FREEDOM EQUITY GROUP NEW WORLD OF MONEY

WELCOME

All information contained in this presentation is intended for general education and information use only and is not intended as a solicitation for buying or selling life insurance products.

The material in this presentation is not intended to give advice on tax planning, investments, real estate, accounting, estate planning, or financial planning but rather to provide education and information about a possible business opportunity with Freedom Equity Group.

As with any business opportunity the FEG Business Opportunity may take time, effort and money which may or may not provide any financial returns.Assumptions are made in several hypothetical examples to help explain concepts and are for illustrative purposes only and should in no way be construed as any type of guarantee. Past performance is also not a guarantee of future resultsOpportunity Disclosure

WHAT YOU WILL SEE AND HEAR

• A concept that impacts people that you can be passionate about ! • A smarter more complete way to save

money with higher income, more benefits and TAX FREE!• A Multi - Trillion dollar business that pays

billions to producers.• How you can make up for lost time and lost

earnings.

HERE ARE THE PROBLEMS

PROBLEM #2Most of our country's retirement wealth is in Banks, Precious Metals (gold), Real Estate, or IRA/401k/403b (Qualified Plans). A LARGE percentage of this money could be lost to Risk, Fees and Taxes.

PROBLEM #3Every year millions suffer from Heart Attack, Stroke or Cancer. 70% of these people will live and over half will go Bankrupt.

PROBLEM #144% of the adult population cannot meet their financial obligations due to economic conditions.

• Benefits vary by Insurance Company, be sure to check with your agent as to specific riders and benefits availability in your state

• FEG does not provide tax or legal advice, please consult your advisors

FEG CRUSADEProtect the American Family. Retire with Wealth

and Living Benefits Tax Free

FEG VISIONCreate and Lead the Financial Services Industry

Revolution

IT’S ALL ABOUT FREEDOM

• Benefits vary by Insurance Company, be sure to check with your agent as to specific riders and benefits availability in your state• FEG does not provide tax or legal advice, please consult your advisors

*44% of the adult population cannot meet their financial obligations

due to economic conditions.

PROBLEM #1

- statista.com; Bureau of Labor Statistics - US Department of Labor- thinkprogress.org

THE DECEPTION OF THE

CORPORATE DREAMAre you being paid what your worth?

• Our parents taught us, go to high school, then college, so you can get a good job…right?

• Later in life we learn, we either have a JOB, helping someone else achieve their dreams in life, or we go into business for ourselves to PURSUE OUR OWN DREAM.

• Does it appear that the rich are getting richer, and the middle class is being squeezed out?

• What happens if you have a good job, and your company doesn’t need you any more?

PEOPLE IN AMERICA NEED TO MAKE MORE MONEY!

FEG will help change America’s future!

• Income is down $5,000 per family!• There are 242 million adults (over the age of 18) in America!• Of these, only 49% have full time employment and most of them don’t

like their job! • That means, 51% of the Adult Americans with only a part-time job or no

job at all!• 1 in 4 Americans make less than $10 an hour!• Imagine supporting your family on just $14,500 a year. That’s what a

full-time, minimum-wage job pays. Wages come to less than $279 a week—and that’s before taxes!

Citations:- statista.com; Bureau of Labor Statistics - US Department of Labor- thinkprogress.org

Hope and OpportunityMost people dream of owning their own business and controlling their destiny. Yet, it never happens for

most people.

9

•Lack of capital•Lack of experience•Lack of leadership•Lack of a marketable idea•Loss of security•Fear of failure

Here’s Why:

WHAT’S THE

SOLUTION?

EXPERIENCED LEADERSHIP

Owners each have over 30 years in Financial

Services

INCREDIBLE TRACK RECORD

One of the Largest IMO’s in America

Approaching $1 Billion Paid in Commissions

TURN-KEY SYSTEM

Easy to follow INCOME BUILDING SYSTEM: Proven,

Predictable, Duplicable

Bill St. ClairPresident

Ron PetrinovichCEO

Ron BloomingkemperChairman

FREEDOM EQUITY GROUP

A DIFFERENT KIND OF COMPANY

Life Insurance…with Living BenefitsLife Insurance you don’t need to Die to Use!Retirement Income PlanningA more efficient Tax Free Income Strategy!Guaranteed Income …with Living BenefitsTurn your 401k/IRA into a Pension Type Income Stream!Turn Key Builder System Proven, Profitable and Predictable…You run the system and the system builds your business!

Most of our country's retirement wealth is in Banks, Precious Metals (gold), Real Estate, or IRA/401(k)/403b (Qualified

Plans).

A LARGE percentage of this money could be lost to Risk, Fees and Taxes.

The majority will outlive their Income!

PROBLEM #2

• Benefits vary by Insurance Company, be sure to check with your agent as to specific riders and benefits availability in your state• FEG does not provide tax or legal advice, please consult your advisors

Most of our country's retirement savings are in banks, precious metals, real estate, the stock market

and IRA/401k/403b. A LARGE percentage of that money could be lost to Risk, Fees and Taxes.

Most consumers do not understand the 3 major factors that affect their

retirement account.

WHERE DO MOST PEOPLE SAVE FOR RETIREMENT?

RISK, TAXES, FEES• Benefits vary by Insurance Company, be sure to check with your agent as to specific riders and benefits availability in your state

• FEG does not provide tax or legal advice, please consult your advisors

“The ugly truth, is that the 401(k) is a LOUSY PRODUCT, a FINANCIAL FLOP...” October 19, 2009

HIGH FEES!HIGH RISK!HIGH TAXES!

What if you had a way to legally “OPT OUT” of the Tax System, PAY LOWER FEES & NEVER, EVER LOSE money again?

Gandel, S. (2009, October). Why It's Time to Retire the 401(k). Time.

THE POWER OF A ZERO TAX BRACKET AT RETIREMENT

“According to the Congressional Budget Office, if Social Security, Medicare, and Medicaid go unchanged, the rate for

the lowest tax bracket would increase from;

10% would rise to 25% 25% would rise to 63% 34.9% would rise to 88%

David McKnight, author THE POWER OF ZERO

THE FOUR PHASES OF RETIREMENT PLANNING

Qualified Plans

TAX-FREE ALTERNATIVE

Tax Deductible

TaxDeferred

Taxable @ Future Tax Rate

TaxDeferred

Taxable to

Estate

NotDeductible

TaxFree

Benefit

Tax Free

to Estate

PAY TAXES NOW…on the SEED or PAY HIGHER TAXES LATER…on the HARVEST?

WHAT’S THE

SOLUTION?

Never go BackwardsAll Gains - Locked In

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$90,000

$110,000

$130,000

$150,000

$170,000

$190,000

$210,000

$230,000

$250,000

S&P Indexed Annuity

RED LINE vs BLUE LINE

$100,000 invested in 1997

Index Annuity caps and participation rates vary by product and insurance company, consult with your agent

$100,000 Invested in 1997

“Invest like the wealthy where you participate in

market gains but are guaranteed to never lose when the market drops”

Tony Robbins

Rule #1: Never Lose Money

Rule #2: Don’t Forget Rule #1

WARREN BUFFETT’S 2 RULES

PROBLEM #370% of people who were

diagnosed with a heart attack, stroke or cancer did not die.

More than half go bankrupt in the process.*

Many will not be able to go to work*New England Journal of Medicine Volume 362, Page 2155. Harvard Medical School, Harvard Heart Letter, July 2011, Surviving a Heart Attack: A success story. Center for Disease Control and Prevention National Center for Health Statistics, Health, United States, 2010: with special feature on death and dying. American Cancer Society, Cancer Facts & Figures 2011*

If you get sick and can’t go to work…who will pay for this?

Worse Than Death: Critical Illness Money Fears Less than 5% of all workers are covered

*www.cnbc.com/id/100907706/print

EVERY YEAR OVER 6 MILLION AMERICANS SUFFER A HEART ATTACK,

STROKE, OR CANCER

• HEART ATTACK- 1,255,000 Americans suffer a heart attack every year… 17,600,000 Americans alive today have survived a Heart Attack!

• Stroke- Each year 795,000 people suffer a stroke, many end up with permanent disabilities.

• Cancer- 3.5 million new cases each year. Average cost $146,000. Over 65% of expenses are indirect & not covered by traditional insurance. 11,714,000 people are currently living with cancer. *

*American Cancer Society. Cancer Facts & Figures- 2005. American Heart Association. “Heart Disease & stroke disease* 2007: American Cancer Society “Facts & Figures 2007”

THE PROBLEM: WHERE DO I PUT MY MONEY?

DIE TOO SOON, GET SICK, LIVE A LONG HEALTHY LIFE

$300 Retirement Savings $300

Critical Illness$300

Chronic Illness LTC

$300

Life Insurance$300

*Benefits vary by Insurance Company, be sure to check with your agent as to specific riders and benefits available in your state.

Budget

WHAT’S THE

SOLUTION?

A LIVING BENEFIT POLICY! Protect Against:

Critical IllnessHeart Attack, Stroke, Cancer, Major Organ Transplant, Blindness, End Stage Renal Failure and others.

Chronic IllnessUnable to perform 2 of the 6 daily living activities or Cognitive Impaired.

Terminal Illness Upon Terminal Diagnosis up to 2 years.

AT NO ADDITIONAL COST!

Two Products That Cover Many Financial Needs

First Product – Term Insurance

A SOLUTION FOR EVERY FAMILY

OLD TERM NEW TERM

Income Tax Free Death Benefit Income Tax Free Death Benefit

Die to get the moneyNo cost Critical, Chronic and

Terminal Illness Riders. Up to 90% pay-out

No Living benefits.You have to die to use it!

Living Benefits, you don’t have to die to use!

THE BOTTOM LINE…ARE YOU COVERED? • Benefits vary by Insurance Company, be sure to check with your agent as to specific riders and benefits availability in your state

• FEG does not provide tax or legal advice, please consult your advisors

Our first claim…WILL IT PAY OUT???

FEG: THE LIVING BENEFITS COMPANY

Johnny was 48 years old when he replaced his 20 year Term with a new 20 year Term with Living Benefits. The

new policy was LESS EXPENSIVE than the old one. 5 months into the policy Johnny was diagnosed with Stage 4 Stomach Cancer. He and his wife could not

work… We Made A Difference!

THE BOTTOM LINE…ARE YOU COVERED? • Benefits vary by Insurance Company, be sure to check with your agent as to specific riders and benefits availability in your state

• FEG does not provide tax or legal advice, please consult your advisors

Our FEG client….another claim FEG: THE LIVING BENEFITS COMPANY

Bob was 59 years old when he exchanged his Permanent Policy in for a new one with Living

Benefits.Bob worked out daily and developed a sore leg. It

didn’t go away. Bob’s problem was diagnosed as ALS.

He received his check in less than one week. He quit his job and traveled extensively.

One Hundred Eighty Nine Thousand Seven Hundred Eighty two and 64/100

THE BOTTOM LINE…ARE YOU COVERED? • Benefits vary by Insurance Company, be sure to check with your agent as to specific riders and benefits availability in your state

• FEG does not provide tax or legal advice, please consult your advisors

DOZENS of claims in just a few short years

FEG: THE LIVING BENEFITS COMPANY

Greg bought an inexpensive Term policy. He was a healthy guy that never got sick.

In September 2014 Greg had a physical with extensive blood work… All ok

In November, Greg had his first colonoscopy and detected Stage 3 Cancer.

One Hundred Ninety Eight Thousand Six Hundred Forty Three and 81/100

WHAT IF THERE WAS A PRODUCT• That solves the financial issues of Critical, Chronic and

Terminal Illness!

In addition:

• That protected you and your family from market risk without losing the upside potential!

• That provided liquidity without restrictions!

• Allowed access for College Education for your children!

ALL WHILE PROVIDING FOR A TAX FREE INCOME THAT YOU CANNOT OUTLIVE!!!

INDEX UNIVERSAL LIFE INSURANCE The Greatest Wealth Accumulation

Vehicle of our Time

THE NEW WORLD OF MONEYWhat the Banks and Wealthy have been

doing for Years • Benefits vary by Insurance Company, be sure to check with your agent as to specific riders and benefits availability in your state• FEG does not provide tax or legal advice, please consult your advisors

We GOT YOU COVERED if YOU…Live too long, get sick or die

too soon

The Swiss Army Knife of Finance,INDEXED UNIVERSAL LIFE

LIFE INSURANCE YOU DON’T HAVE TO DIE TO USE!

MOST PEOPLE IN AMERICA WIND UP DEAD OR DEAD BROKE. THERE HAS TO BE A BETTER WAY!

SCARY STATISTICS…On average, for every 100 Americans reaching ages 65 to 69...

• 27 have died• 19 have incomes of less than $7,000• 50 have incomes between $7,000 and $45,000• ONLY 4 have incomes of more than $45,000

Social Security Administration Publication No. 13-11871, July 2008

WHAT’S THE

SOLUTION?

Our story begins with two brothers age 35, both are saving $300 a month after tax, both earn 8% interest rate, for the same period of time.

Who made the right decision?

BROTHER “A”Believes in “The Old Way”

Save for retirement in qualified accounts, receive tax deduction and pay taxes later.

BROTHER “B”Believes in “The New Way”

Save in an Indexed Universal Life (IUL) and receive tax-free income later.

$ 0 contributions to 401(k) plus$ 3,600 IUL post tax contribution

$ 0 annual premium$ 500,000 Indexed Universal Life

A Tale of Two Brothers

$ 4,800 pre-tax cont. to 401(k) plus

$ 1,200 employer match

$ 560 annual premium

$ 500,000 30-year term

Total $6,560 annual contribution Total $3,600 annual contribution

• Benefits vary by Insurance Company, be sure to check with your agent as to specific riders and benefits availability in your state• FEG does not provide tax or legal advice, please consult your advisors

It’s not how much you make, it’s how much you keep

BROTHER “A” BROTHER “B”

$ 366,195 cash value IUL

$ 500,000 IUL death benefit

$ 0 cumulative tax deductions

$ 366,195 total retirement savings

Results After 30 Years

$ 706,000 401(k)

$ 0 term insurance. ($12,000 annual premium to replace) Zero Living benefits

$ 36,000 cumulative tax deductions

$ 706,000 total retirement savings

• Benefits vary by Insurance Company, be sure to check with your agent as to specific riders and benefits availability in your state• FEG does not provide tax or legal advice, please consult your advisors

Which plan makes you feel more financially secure?

BROTHER “A” BROTHER “B”

$ 67,603 annual income – Life Time

$ 67,603 TAX-FREE loans

$ 0 tax

If Brother “B” dies at age 100…he would have received

$2,366,165 and left his family $4,738,138 both free of income

tax!

Results During Retirement

$ 67,603 annual income

$ 90,137 withdrawal from 401(k)

$(22,534) tax (25%)

In 9 years, at age 74, Brother “A”…

Runs out of money!

• Benefits vary by Insurance Company, be sure to check with your agent as to specific riders and benefits availability in your state• FEG does not provide tax or legal advice, please consult your advisors

QUESTIONS FOR YOU

1.If you were Brother “A” would you want to be Brother “B”?

2. If you knew someone who was Brother “A” would THEY want to be Brother “B”?

Help 2 Families a month and earn

$28,800 per YEAR!

Help 1 Family a month and earn $14,400 per YEAR!

Real Estate AGENCY

Broker 6% Broker 6%

3%

YOU HAVE TRAINED YOUR COMPETITION

Agent -3% Agent -3%

BVP – 70% to 93% 8-31%

Bill

Mel

Pat

Sue

Tom

YOU NEVER LOSE YOUR PRODUCERS

PROFIT SHARING PROGRAMRepresentative-Trainee 30-40%

District Manager-Trainee 50%

Vice President-Trainee 65%

Earning Potential Part-Time

$90,720

BVP @ 10 Sales per Month

$172,800

Profit Share Builder Program

$1,101,600

IN ONE OF THE LARGEST INDUSTRIES IN THE WORLD… FINANCIAL SERVICES

THIS IS YOUR CHANCE TO BE PART OF A REVOLUTION

$7.3 Trillion Dollar Industry $470 Billion New Annual Premiums, (Life/Annuity) $200+ Billion in Commissions Paid Annually Over 2 million agents, average age 57 2.3 Million Employees Millions of People Moving Trillions of Dollars

HOW BIG IS BIG?FEG MAKES BIG BUSINESS

SIMPLE…http://www.treasury.gov/initiatives/fio/reports-and-notices/Documents/FIO%20Annual%20Report%202013.pdf

• Our SYSTEM is Proven, Predictable and Duplicable for Decades

• NEVER talk to strangers, or go into a stranger’s home

• NEVER make cold calls

• NEVER run out of qualified prospects

“THE FEG SYSTEM”

BECAUSE IT WORKS!

Mastering MotivationA Chance to stand out in the crowd… The Ring of a

$100K, $250K, $500K, $1

Million Rings

WE RECOGNIZE YOUR EFFORTS

TRUE CHAMPION

WORLD CLASS RECOGNITION & TRIPS

SEE THE WORLD

WITH FEG

1. Client - Living Benefits and/or Tax Free Retirement

2. Associate - Part Time or paid Referral Associate

3. Builder - Full Time

WHERE DO YOU SEE YOURSELF?

WHAT IS THE NEXT STEP?

THE NEXT STEP IS YOURS...

Set up a one on one meeting, in the NEXT 24 – 48 hrs., to see if this is right for you.

“Live” or “Online”

• Get your questions answered…• Learn about our training programs…• How much time you can devote…• Income potential…

Get back with the person who invited you to this presentation and find out how to get started.