The Family Retirement Plan™MAKING THE MOST OUT OF LIFE™

ACT NOWIf you could have a retirement product that offered

the following benefits, would you consider it:

• Tax-deferred growth

• Tax-free income1

• No risk of losing money in the market

• Interest based on the performance of the

broad stock market

• No contribution limits1

• Proceeds — above and beyond contributions

— that pass tax-free1 to loved ones should

you die prematurely

Most Americans would shout a resounding, YES,

and if you’re one of them, talk with a Family

Retirement Plan Advisor about your retirement

strategy.

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1 When properly structured, funded and managed.

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The Family Retirement PlanTM

1 When properly structured, funded and managed.

ACT NOWIf you could have a retirement product today that offered the following benefits, would you consider it:

• Tax-deferred growth

• Tax-free income1

• No risk of losing money in the market

• Interest based on the performance of the broad stock market

• No contribution limits1

• Proceeds — above and beyond contributions — that pass tax-free1 to loved ones should you die prematurely

Most Americans would shout a resounding, YES, and if you’re one of them, talk with a Family Retirement Plan Advisor about your retirement strategy.

is about Making the Most Out of LifeTM so you can prepare today for a prosperous tomorrow.

ACT NOWIf you could have a retirement product today that

offered the following benefits, would you consider it:

• Tax-deferred growth

• Tax-free income1

• No risk of losing money in the market

• Interest based on the performance of the

broad stock market

• No contribution limits

• Proceeds — above and beyond contributions

— that pass tax-free to loved ones should

you die prematurely

Rethink your retirement with Indexed Universal Life.

Talk with a Family Retirement Plan Advisor about

how you can Make the Most Out of Life.™

1 When properly structured, funded and managed.

C10090912

ACT NOWIf you could have a retirement product today that

offered the following benefits, would you consider it:

• Tax-deferred growth

• Tax-free income1

• No risk of losing money in the market

• Interest based on the performance of the

broad stock market

• No contribution limits

• Proceeds — above and beyond contributions

— that pass tax-free to loved ones should

you die prematurely

Rethink your retirement with Indexed Universal Life.

Talk with a Family Retirement Plan Advisor about

how you can Make the Most Out of Life.™

1 When properly structured, funded and managed.

C10090912

The Family Retirement Plan™ is aboutMaking the Most Out of Life™ andpreparing today for a prosperous tomorrow.

A New Approach to RetirementWithin the Family Retirement Plan we offer you the

opportunity to harness the power of tax-deferred growth

combined with tax-free income.1

Rethinking Old BeliefsFor most working Americans today, we rely on

traditional, tax-deferred qualified plans as the foundation

of our retirement plans - such as 401(k) plans and IRAs.

But, have you ever considered that what we’ve been told

to do to prepare for retirement might be all wrong?

Consider the following:

• Many companies are dropping or reducing the

employer match.

• With the ongoing “corrections” and market volatility,

many employees now realize they have a much

lower risk tolerance.

• Traditional 401(k) plans have looming tax traps you

can’t avoid.

For most Americans they are wondering, “Is a 401(k) the

best place for their retirement money?”

Consider a Better SolutionIf you could have a product today that offered the

following benefits, would you consider it:

• Tax-deferred growth

• Tax-free income1

• No risk of losing money in the market

• Interest based on the performance of the broad

stock market

• Proceeds — above and beyond contributions —

that pass tax-free1 to loved ones

• No contribution limits1

Most Americans would shout a resounding, “Yes!”

Yet few people know that the IRS already allows this

type of product under section 7702 of the Internal

Revenue Code.

Rethinking LifeMost people don’t know about section 7702 because

they’ve never considered life insurance for retirement

planning. If what you think you know about life insurance

is based on an experience or product from years ago, it’s

time to reconsider your options.

1 When properly structured, funded and managed.2 Source: www.justdisney.com

Not to be considered tax advice. Please rely on and consult with a qualified advisor.

Maximizing Life InsuranceFor years the wealthy have been using life insurance

as a tool to help them accumulate wealth, then access

their money in the most tax-efficient manner. We

believe this strategy should be made available to all

because future tax rates will impact everyone, not just

the wealthy and privileged.

Why Life WorksIf you listen to the experts and economists, they are all

saying taxes have one direction to go. With traditional

qualified plans you just defer your taxes — not insulate

yourself from them. So, does it make

sense to just defer taxes when taxes

are projected to rise and there is

clearly a better solution?

Better Products TodayOver the last few years, the insurance

industry continues building innovating

life insurance products. The most

revolutionary product available is

Indexed Universal Life (IUL). This

product continues to gain popularity

because it offers the following benefits:

• You never put your principal or earned interest at

risk to loss due to market volatility.

• The “index” component allows you to

track your performance based on the

broad stock market.

• The product offers underlying guarantees

to help you sleep at night.

• Should you die prematurely, your loved

ones receive tax-free1 money to take care

of financial obligations.

In a nutshell, Indexed Universal Life is not your father’s

insurance contract. It’s something completely different.

Making the Most Out of LifeWhich direction do you prefer to go? Looming tax traps

in your qualified plans, or are you someone who:

• Wants tax-free income1 at any

age, not just after 59½?

• Wishes to save more than $400 a

month for retirement?

• Desires to protect your loved

ones with life insurance?

• Is contributing to a qualified plan

above the employer match?

If you answered yes to any of the questions above,

you should consider The Family Retirement Plan™

funded with Indexed Universal Life.

When structured properly, Indexed Universal Life is a

great way to accumulate wealth that you can access1

in the future without the impact of taxes, and protect

your family at the same time.

“Walt Disney borrowed

money2 from his l i fe

insurance policy to help

f u n d D i s n e y l a n d

amusement park.”