Helping you achieve your dreams

GOLD COIN GROUP INC.

Step 5Monitor the Plan &Make Changes as

Necessary

Step 5Monitor the Plan &Make Changes as

Necessary

Step 1EstablishFinancial

Objectives

Step 1EstablishFinancial

Objectives

Step 2Gather, Process & Analyze Relevant

Information

Step 2Gather, Process & Analyze Relevant

Information

Step 3Develop a

Financial Plan

Step 3Develop a

Financial Plan

Step 4Implement the

Plan

Step 4Implement the

Plan

The process of examiningyour own financial &

personal situation, definingrealistic short-term & long-term

financial objectives & developing& implementing strategies for

reaching those objectives

Our Financial Planning Process

How Important is Your Income? Your ability to earn an income is

your primary financial contribution to your family.

Your income secures a comfortable standard of living for them today and for you tomorrow.

Premature death, disability and old age will destroy your earning power.

When you cannot go to work, you must have a sufficient fund of dollars to put to work to replace your income.

What Would Happen to Your Family

if You Died Prematurely? How will you guarantee them food, clothing and shelter? What about the mortgage or rent payments? How will they pay for last expenses and fees? What about your outstanding debts and liabilities? How will you guarantee your children’s future through a good

education? How long could your family survive without the bills paid and a

regular and guaranteed source of income?

Family Security Analysis

When an income provider dies, his/her family faces two important money needs:Immediate Cash

Continuing Income

Your confidential Family Security Analysis will help you measure the gaps between your family’s needs and currently available resources.

Family Security AnalysisCash Required (1)Last Expenses $___________Debt ___________Mortgage ___________Education ___________Other ___________Total$_________

Cash Available (2)Savings $ ___________Investments ___________Personal Insurance ___________Group Insurance ___________Government Plans ___________Total$_________

Cash Surplus (3) or Deficit (4)$_________(1) - (2) = (3) or (4)

Income Required (5) $ __________

Income Sources Invested Surplus (3) x __% __________Survivor’s Employment Income __________Government Plans __________Other __________Total (6) $ __________

Income Deficit (7) $ __________(5) - (6) = (7)

Capital Required (a) $ __________(7) divided by __%

Total Insurance Required $__________Deficit (4) + Capital (a)

Unplanned Choices for the Non-Insured Your family could re-mortgage or move.

They could collapse their savings program. You could deny your children an education. They could rely on family, charity or welfare. They might borrow money if they could find a willing lender. They could drastically reduce their standard of living.

The Insured Solution Pays a tax free lump sum amount to your family at their worst

moment of crisis. You create needed dollars tomorrow for only pennies today. Your family can choose where to direct the money:

Pay off the immediate bills Eliminate the mortgage Invest for a continuing source of income Put aside for the children’s education

Build Your Own Program Option A – Term Insurance Coverage

Low initial cost Face amount paid at death Rates increase over time Future conversion to Option B available

Option B – Permanent Insurance Coverage Level premiums for life Built-in flexibility at several levels Face amount paid at death Grows cash values for your future security

Option C – Combination Coverage Combine Options A & B to create your own unique program to suit

your budget and family needs

Let’s See if you Can Qualify Today The best time to apply for insurance is now, while you are young and

healthy. Life insurance is like a parachute – when you really need it, you can’t

get it! A small deposit with your application can start your coverage

immediately, subject to certain restrictions. If you cannot qualify, your deposit will be returned in full. If you do qualify, you will have a 10 day period to examine the policy

and return it with no questions asked if you change your mind.