5. For 2008…What is Your GOAL As a Financial Advisor? You know you can get there... Getting to the Next Level! • $200,000 • $300,000 • $400,000 • $ 500,000 and more! … in annual income
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7. Recommended Products . . . We can recommend any product. So why LSW ? They have just released new products and riders! National Life Group $19.2 Billion Assets $55 Billion Insurance In Force Rated A+ (S&P), A (Best’s) Career and Independent Distribution Relationship-based Companies LSW is part of:
16. Rider Charge Charge is .40% of Policy Accumulation Value for first 10 Policy years beginning on the 1 st Policy Anniversary Charge is .50% of Policy Accumulation Value for Policy years 11+ Charge is frozen at .40% if election of Guaranteed Withdrawal Payment occurs before the 11 th Policy Year
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19. Step 1: Before Election - Automatic Reset of Income Calculation Base: 5 th , 10 th , 15 th , 20 th , election Years of Income Deferral Income “Calculation” Base Hypothetical Policy Accumulation Value* 1 107,000 $105,000 5 140,225 $140,500 Reset @ 140,500 140,500 $140,500
20. Guaranteed Withdrawal Payment for Life Guaranteed Withdrawal Payment is $10,819 a year for life $ 100,000 LSW Indexed Annuity & GLIR Age 55 Age 65
21. Enhanced Benefit for Life Enhanced Benefit Withdrawal Payment is $16,720 a year for life $ 100,000 LSW Indexed Annuity & GLIR Age 55 Age 65 2 of 6 ADLs
32. t PROTECT YOUR PORTFOLIO Fully Invested in Market a la S&P $400,000 Invested in Mutual Fund $200,000 in Mutual Fund $200,000 Indexed IF the S&P Goes Down 50% Diversified to Less Risk $200k Mutual Fund = $100k $200k Indexed = $200k Total Holdings = $300k $400k Mutual Fund = $200k Total Holdings = $200k IF the S&P Goes Up 33% $200 Mutual Fund = $267k $200 Indexed = $252k Total Holdings = $519k $400k Mutual Fund = $533k Total Holdings = $533k Difference of $14k – But Without The Risk
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36. For 2008…What is Your GOAL As a Financial Advisor? You feel you can get there... Getting to the Next Level! • $200,000 • $300,000 • $400,000 • $ 500,000 and more! … in annual income
37. Why Haven’t You Been Reaching Your Goals? You’re doing it all wrong! If you really look at the marketing materials sent to you . . .the answer is clear
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39. My Future is Bright! . . . There’s Nothing to It… But to DO IT! Life is Good!
40. Just a Few Situations?… Getting Leads Scheduling First Appointments First Appointments No Shows No House at that Address Person Scheduled Died 2 Years Ago r Great First Appointment! I made 2 New Friends Today! My Spouse and I Are Going to Dinner No Money… Already Lost in Market I’m Tired! Client Backed Out!
41. Just a Few Situations?… CAR REPAIRS SPOUSE KIDS MAIL BILLS MARKETING CREDIT CARDS MORTGAGE “ You’ve Got to Get a Real Job!” Some Financial Planner I Am . . . If My Clients Actually Knew Our Finances IRS Problems
42. … Are you feeling a bit overwhelmed about now?
43. What Do I Need to Do? How Do I Want Potential Clients to See Me? “ The Ultimate Financial Advisor” • They Need to Know I Care • They Need to Know I Know • They Need to Know I’m Going to Be Around You Need to Position Yourself for Success! • “ What Do I Do?” Let Us Show You What to Do! = TRUST!
44. 3 Participation Levels . . . EXECUTIVE CLUB ASSOCIATE VICE PRESIDENT REGIONAL VICE PRESIDENT The Resource Center offers Advisors three levels of professional engagement and support
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49. Quick Start Steps… Step 1: Appoint with The Resource Center Step 2: Submit some Business Step 3: Receive 100 FREE LEADS Step 4: 10 times = 1000 LEADS Step 5: YOUR MARKETING AREA 1000 leads yields at least 60 sales at average $60,000 ea. in premium = $3,600,000 @ 8% commission = $280,000 income to you.
57. ** ** * * * Policy loans and withdrawals and the use of living benefits riders reduce the policy’s cash value and death benefit and may result in a taxable event.. **Riders are optional, may require an additional premium and may not be available in all states.
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76. Be Like Mike! SecurePlus Paragon, male 46 preferred, average interest of 9.7% Policy Year Age Annual Outlay Guaranteed Cash Value Guaranteed Death Benefit Current Cash Value Current Death Benefit Annual Income 1 46 $18,000 $0 $976,526 $0 $976,526 $0 2 47 $18,000 $0 $976,526 $0 $976,526 $0 13 58 $18,000 $156,835 $976,526 $282,171 $976,526 $0 14 59 $18,000 $167,078 $976,526 $322,740 $976,526 $0 15 60 $0 $113,060 $929,844 $302,561 $929,844 $43,957 16 61 $0 $55,134 $880,267 $281,856 $880,267 $43,957 45 90 $0 $0 $0 $719,443 $960,759 $43,957 50 95 $0 $0 $0 $1,733,479 $1,808,936 $43,957 51 96 $0 $0 $0 $2,042,484 $2,125,101 $43,957 52 97 $0 $0 $0 $2,393,305 $2,483,754 $43,957 53 98 $0 $0 $0 $2,790,797 $2,889,811 $43,957 54 99 $0 $0 $0 $3,286,655 $3,395,036 $0 55 100 $0 $0 $0 $3,843,804 $3,962,438 $0 Total Premium Paid $252,000 Total Income From Loans $1,714,323
77. A Long Term Saver SecurePlus Paragon, male 30 preferred, average interest of 9.7% Policy Year Age Annual Outlay Guaranteed Cash Value Guaranteed Death Benefit Current Cash Value Current Death Benefit Annual Income 1 30 $7,200 $0 $785,317 $0 $785,317 $0 2 31 $7,200 $0 $785,317 $0 $785,317 $0 30 59 $7,200 $145,063 $785,317 $790,358 $1,059,080 $0 31 60 $0 $140,689 $785,317 $865,472 $1,125,113 $0 32 61 $0 $0 $0 $811,497 $1,076,846 $128,227 56 85 $0 $0 $0 $613,315 $1,028,238 $128,227 57 86 $0 $0 $0 $769,030 $1,222,371 $128,227 58 87 $0 $0 $0 $953,161 $1,448,242 $128,227 59 88 $0 $0 $0 $1,168,365 $1,708,755 $128,227 60 89 $0 $0 $0 $1,417,729 $2,007,278 $128,227 61 90 $0 $0 $0 $1,704,482 $2,347,335 $128,227 70 99 $0 $0 $0 $8,131,155 $8,419,889 $128,227 71 100 $0 $0 $0 $9,576,809 $9,892,861 $0 Total Premium paid $216,000 Total Income From Loans $5,000,853
78. A Last Minute Saver SecurePlus Paragon, male 55 preferred, average interest of 9.7% Policy Year Age Annual Outlay Guaranteed Cash Value Guaranteed Death Benefit Current Cash Value Current Death Benefit Annual Income 1 55 $50,000 $16,811 $801,323 $19,593 $801,323 $0 2 56 $50,000 $51,807 $801,323 $60,532 $801,323 $0 3 57 $50,000 $97,433 $801,323 $115,629 $801,323 $0 4 58 $50,000 $143,840 $801,323 $175,440 $801,323 $0 5 59 $50,000 $191,095 $801,323 $240,483 $801,323 $0 6 60 $0 $157,668 $768,006 $226,345 $768,006 $31,372 7 61 $0 $121,726 $732,623 $211,339 $732,623 $31,372 31 85 $0 $0 $0 $192,987 $304,143 $31,372 41 95 $0 $0 $0 $1,236,316 $1,290,160 $31,372 42 96 $0 $0 $0 $1,456,752 $1,515,706 $31,372 43 97 $0 $0 $0 $1,707,023 $1,771,564 $31,372 44 98 $0 $0 $0 $1,990,592 $2,061,245 $31,372 45 99 $0 $0 $0 $2,344,346 $2,421,684 $0 46 100 $0 $0 $0 $2,741,829 $2,826,484 $0 Total Premium Paid $250,000 Total Income From Loans $1,223,508