new ppt 3.18.2015 final
TRANSCRIPT
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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2014
$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.