FINANCIAL TOOLS
FOR SUCCESS
Tools to help you provide clear and transparent options for your clients.
FINANCIAL
CALCULATORS
DIME METHOD
COMPOUND INTEREST
FINANCIAL INDEPENDENCE NUMBER
HISTORY OF
LIFE INSURANCE
TYPES | TERM | WHOLE | UNIVERSAL | VARIABLE | INDEXED |
|---|---|---|---|---|---|
YEAR CREATED | 1920's | 1950's | 1970's | LATE 80s | LATE 90's |
AFFORDABILITY | $ | $$$ | $$ | $$ | $$ |
ACCUMULATION STYLE | No cash value | Earns 3-4% | Earns 4-5% | Uncapped/No Floor | Uncapped/0% Floor |
COVERAGE PERIOD | 10, 15, 20, 30 Years | Lifetime | Lifetime | Lifetime | Lifetime |
ACCESS METHOD | N/A | 5-8% Loans | 3-5% Loans | 3-5% Loans | 1-2% Loans |
THE POWER OF
INDEXED POLICIES
Indexed Savings
✅ Minimum Guarantee
✅ Capture Upside
✅ Tax Free Access
🚫 No Mandatory Withdrawals
🚫 No FAFSA
🚫 No 59 ½ Rule
Insurance Protection
👨⚕️ Long-Term Care
- Nursing Home
- Avg 2% Monthly
🏥 Living Benefits:
- Critical Illness (up to 90%)
- Chronic Illness (up to 2% Monthly)
- Terminal Illness (100%)
Multi-Use Opportunities
👨👩👦 Family (Retirement, College Saving, Supplemental Savings, etc.)
💼 Business (Executive Bonus, etc.)
✅ Against Market Volatility
✅ Against the IRS (Tax Free Growth)
✅ Against Inflation
✅ Against Creditors
IRC 162 – TAX DEDUCTIBLE
IRC 7702 (B) – LONG-TERM CARE
IRC 72(E) TEFRA - HOW THE IUL GROWS TAX FREE
IRC 7702 DEFRA - HOW YOU CAN TAKE MONEY OUT F IUL TAX FREE
IRC 101(A) TAMRA - IUL IS GIVEN TO BENEFICIARIES TAX FREE WHEN YOU PASS AWAY
PERSONAL PRIVATE
PENSION (ANNUITY)
SOCIAL
SECURITY
PERSONAL
SAVINGS
COMPANY PENSIONS
GROWTH
- Up Market – Lock In
- Down Market – Guaranteed Floor
Death Benefit
- Leave a legacy with remaining balance
Lifetime Income
- Guaranteed Income for Life
- Guaranteed not to Lose Money
"The way to get started is to quit talking and begin doing."
-- Walt Disney
