We all have two We all have two primary financial primary financial

problems:problems:

DYING TOO SOON…DYING TOO SOON…

OR LIVING TOO LONG… OR LIVING TOO LONG…

………………..FINANCIALLY..FINANCIALLY

How Money Works….A Quiz

Three Refrigerators have a Guaranteed 20 yr. Life Span. If price was not an issue, which one would you choose?

Refrigerator A

$1000.00Today’s Cost:

Replacement Cost:

$3000.00

OR

Refrigerator B

$2000.00

FREE

Refrigerator C

$3000.00

FREE + receive $3000 BACK

OR

Life Insurance is a substitute for the money you don’t have. It provides the instant estate your loved ones would need should you die prematurely, before your living estate is built ( ie 401k, IRA’s, SEPs, etc..). When you have a lot of money you don’t need life insurance.

.

The Rest of the story…

Buying Renewable Level Term and Investing the Difference separately creates a larger estate should you die prematurely, and a larger “Living Estate” should you outlive the

term.

$2,000 invested separately @ 8% is $48,546, @ 9% its $72,219 … and 10% it’s $107,401!!!

Refrigerator A

$1000.00

Independent Advisory Services

“Build, Protect, and Preserve Legacies”

When is there a Need for Life Insurance ?

Any Time a Loss of Income Would be Devastating !!

1. Young Children 4. Mortgage 7. Wealth Transfer (GDBUL)

2. Dependents 5. Business Partnership

3. Debt 6. Estate Preservation ( GDBUL )

Life Insurance is sold on a COST PER THOUSAND basis, and only a small handful of carriers

factor and apply CURRENT mortality tables yearly in calculating the premiums for new clients.

What Type of Life Insurance Protection Do You Have in Place ??

Age

45

49

54

20 Yr guaranteed level Term Based on $500,000 Face Amount Best Term Rates available as of 9/20/10.Monthly Premiums; Rates are current and accurate to the best of our knowledge but subject to change at any time.

Male-Female

NWM NYL BANNER AGL

71.93 – 62.30 69.56 - 55.69 54.69 – 42.88 53.48 - 42.79

106.93 – 84.18 104.13 – 92.31 77.87 – 55.56 75.60 - 60.29

142.54 – 107.98 155.31 – 110.69 119.00 – 89.25 120.23 – 93.98

Independent Advisory Services

“Build, Protect, and Preserve Legacies”

Our Solution: Split Our Solution: Split FundingFunding

The Plan of the future TODAY!The Plan of the future TODAY!

Example: $750,000 face amount to age 70, with a separate FIA .

The Prime Earning Years

Young children

Debt

Mortgage

Not as much savings as should

have…

Loss of income would be

devastating!

The Later Years

Children are grown

Lower or no debt

Mortgage reduced/paid

Retirement income needed

Age 50

$750,000 Face Amount to age 70 (PNT)

Guaranteed level death benefit, level Premium, renewable without evidence of insurability to 95- $141 a month!!! ( converting to either annual renewable or decreasing term at the end of term if not otherwise acted upon )

Reposition your money to make it work harder for you! For example, if you have $150,000 net assets thus far, compounding at an average of 8%... … and max out yours and your spouses ($833 a month) SEP IRAs or ROTH IRAs, in 20 yrs your net worth is $1,229,502, not including your home equity!!!

How much life insurance do you need if you already have a million plus???

What would be better for your family if you died prematurely?

$125,000 of Whole Life, $200,000 of Universal Life, or $750,000 of Term???

( For the same $140/mo.)

Buy a Buy a guaranteedguaranteed renewable, convertible 20 yr. renewable, convertible 20 yr. level level

term and max out your SEP IRA’s or ROTH’s!term and max out your SEP IRA’s or ROTH’s!

***Age 70

Independent Financial& Advisory Services

“Build, Protect, and Preserve A Legacy”

Age 50

*** Life Settlement at age 70 yields $52,500 in cash buyout to policy owner ( 7% avg), especially on guaranteed convertible, renewable term.

Guaranteed Renewable,Guaranteed Renewable, Level TermLevel Term (10,15, 20, 25, 30, 35 yr (10,15, 20, 25, 30, 35 yr

level)level) Buys you the Buys you the TimeTime you need to you need to finishfinish ( Accumulation ) building your ( Accumulation ) building your

estate. estate. Creates an Creates an InstantInstant, , Tax Free EstateTax Free Estate, , as cost effectively as possible.as cost effectively as possible. With guaranteed renewability without proof of insurability to age 95, With guaranteed renewability without proof of insurability to age 95,

if you have cancer in year 19 of a 20 year term you are guaranteed if you have cancer in year 19 of a 20 year term you are guaranteed renewal should you choose to do so at the original underwriting renewal should you choose to do so at the original underwriting class. class.

Conversion options to age 70 Conversion options to age 70 without evidence of insurability without evidence of insurability ( few ( few companies offer this ) strengthens the owners position for a more companies offer this ) strengthens the owners position for a more favorable Life Settlement at the end of the level term period ( no favorable Life Settlement at the end of the level term period ( no need to terminate, sell it back ), or the conversion option to need to terminate, sell it back ), or the conversion option to permanent without over paying the 1permanent without over paying the 1stst 20 yrs 20 yrs

Current 2009 Mortality tables used in factoring rates. Current 2009 Mortality tables used in factoring rates. Terminal Illness Accelerated Benefit Rider- free. ( 50% of the Death Terminal Illness Accelerated Benefit Rider- free. ( 50% of the Death

Benefit advanced if terminal illness is proven )Benefit advanced if terminal illness is proven ) Disability waiver of premium- available for a fee. ( Permanently Disability waiver of premium- available for a fee. ( Permanently

waives premiums should the insured become disabled )waives premiums should the insured become disabled )

… …it just makes it just makes

better sense!better sense!

……and a and a separateseparate FIXED INDEX FIXED INDEX RETIREMENT ANNUITYRETIREMENT ANNUITY

Independent Advisory Services

“Build, Protect, and Preserve Legacies”

““Since 1992”Since 1992”

623-551-8376 602-803-7756

SCOTT E. BUCHER SVPSCOTT E. BUCHER SVP, MGA , MGA

Logan Hunter Group/Logan Hunter Group/WEALTH PLUS FINANCIAL LLC. “WEALTH PLUS FINANCIAL LLC. “Financial Financial

Solutions For Life”Solutions For Life”RISK MANAGEMENT – Life Insurance, RISK MANAGEMENT – Life Insurance,

Long Term Care Insurance, Business Long Term Care Insurance, Business Continuation, Disability.Continuation, Disability.

ASSET MANAGEMENT – Wealth ASSET MANAGEMENT – Wealth Preservation, Asset Transfer, Dynasty Preservation, Asset Transfer, Dynasty Trusts, Limited Partnerships, Charitable Trusts, Limited Partnerships, Charitable Remainder Trusts.Remainder Trusts.

LIFE SETTLEMENTSLIFE SETTLEMENTSREVERSE MORTGAGESREVERSE MORTGAGESINCOME MANAGEMENT SOLUTIONSINCOME MANAGEMENT SOLUTIONS

Independent Advisory Services

“Build, Protect, and Preserve Legacies”

Wealth Plus Financial LLC.Established in 1992

“ Financial Solutions For Life! ”

Thank You For The Opportunity To Serve You!

“Our dedicated staff is committed to helping our clients build, protect, and

preserve their Legacy.

We are honored and grateful for the opportunity

to serve them.”

Independent Advisory Services

“Build, Protect, and Preserve Dignity”