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Life insurance, tax deffered income.
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Covering your financial bases
“Protecting the really important things in life”™
CA Lic. # 0695737This presentation is for illustration purposes only and is not intended as a full description of benefits. Please refer to each company’s brochure for a more comprehensive description of benefits, terms and conditions. Life and Health Insurance plans require underwriting. Benefit amounts can vary based on underwriting. Initial payment does not guarantee approval.
Prepared for
NetServ
Covering your financial bases
• If money were no object, we could all afford to insure for every single eventuality in life…
• However, money is a consideration and we must make sure that we cover the bases that really matter the most.
Covering your financial bases
3rd Base “Protecting your Family’s Future”
Life Insurance
2nd Base “Protecting your Paycheck”
Critical Illness Insurance
Home Base “Protecting your
Financial Future” Retirement Strategy
1st Base“Protecting
your Assets”Health Insurance
You and your family
Covering your financial bases
Covering 1st Base
Health InsuranceHealth Insurance
“Protecting your Assets!”
With you can save 30 – 50% each month and get better coverage…especially in the areas that really matter the most!
Cost: $969$969Cost: $969$969
Major MedicalMajor MedicalMajor MedicalMajor Medical Accident PlanAccident PlanAccident PlanAccident Plan
Paycheck Paycheck ProtectionProtection
Paycheck Paycheck ProtectionProtection
Dental PlanDental PlanDental PlanDental Plan
Cost:Cost: $817$817Cost:Cost: $817$817
commonly soldcommonly soldhealth planhealth plan
commonly soldcommonly soldhealth planhealth plan
Kaiser HMO
HSA 0/2700
dr. visit: Network rate
rx: 100 % after deductible
deductible: $2,700 co-insurance: none after deductible
maternity: 100 % after deductible
maximum out of
pocket: $2,700
Value Benefits of America
Pays up to $2,500
per accident on top of major
medical coverage with only a
$100 deductible
_____________
Includes (At No Extra Charge)
• Any Hospital or Doctor
• $5,000 AD&D • Many Additional
Benefits
American General
Helps replace valuable income
due to major/critical illnesses
including:
• heart attack • life-threatening cancer • stroke
• and more… Approx. Benefit
$25,000
California DentalNetwork
Dental Plan Includes:
Large Network of Dentists
Free Exam & X-Ray
Free Cleanings
Free Fluoride – treatment for kids
Great Savings!
Or, you could Or, you could have…have…
Many traditional health plans Many traditional health plans don’t do enoughdon’t do enough to protect your hard earned assets to protect your hard earned assets……
This presentation is for illustration purposes only and is not intended as a full description of benefits. Please refer to each company’s brochure for a more comprehensive description of benefits, terms and conditions. Life and Health Insurance plans require underwriting. Benefit amounts can vary based on underwriting. Initial payment does not guarantee approval.
HealthNet HMO 30 Value
dr. visit: $30
rx: $15 (generic) $30 (Brand 200 ded)
deductible: $0
co-insurance: 30% Hospital
maternity: covered
maximum out of
pocket: $3,500
The ApproachThe Approach
Covering your financial bases
Covering 2nd Base
Critical Illness InsuranceCritical Illness Insurance
“Protecting Your Paycheck”
Because this product is already included in your package, you are covering 2nd Base at no additional cost to you…giving you and your family the financial peace of mind you deserve.
Covering your financial bases
Covering 3rd Base
Life InsuranceLife Insurance
“Protecting your Family’s Future!”
Using some of the savings from the approach to help protect your family’s future.
Covering your financial bases
Option A Option B
Life InsuranceLife Insurance
American General Select- A-Term*
(No money back at end of term) (With return of premium rider)
*30 year term - $500,000 coverage for man age 40 (preferred non-tobacco)
$57.75/month premium
$32,536.80 (spent in 30
years)
You get nothing back at the end of the term!
$20,790.00 (spent in 30 years)
You get it all back at the end of the term! (tax-free!)
$90.38/month premium
American General Select- A-Term*
Covering your financial bases
Covering Home Base
Retirement StrategyRetirement Strategy
“Protecting your Financial Future!”
You can use some of the savings created by the approach to help prepare for your retirement years.
Covering your financial bases
Retirement StrategyRetirement Strategy
Live?…Retire Tax Free! (based on current tax law)
Potential Retirement Income:
(age 70) +$331,622$331,622
Potentially withdraw Potentially withdraw
$52,098$52,098 Tax-Free Tax-Free annually to age 120 annually to age 120
(based on current tax law)(based on current tax law)
Disabled? Plan completed for you!
Die? Plan completed for
you!
You could put some of the savings to You could put some of the savings to work for work for youryour future! future!
With a With a Safe,Safe, Secure and Self-Completing IUL Retirement PlanSecure and Self-Completing IUL Retirement Plan
Payments made for you each month(payments made for 5 years)
$250.00/monthly$250.00/monthly
™
Immediate death benefitImmediate death benefit
$167,550$167,550 (can you get that (can you get that guaranteeguarantee
from your banker of stockbroker?)from your banker of stockbroker?)
*Coverage for man age 40 (preferred non-tobacco)
Covering your financial bases
Home Run!Home Run!
For what you were spending on your old health plan ($843/month) where all you got was just health insurance…
● saves you money!
● gives you more benefits!
● uses the savings to help cover the really important bases!
The ApproachThe Approach
Covering your financial bases
• What “base” concerns you and your family the most?
• Health Insurance• Critical Illness• Life Insurance• Preparing for Retirement
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