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Slide 1: WHY MOST PEOPLE DON’T BUY LIFE INSURANCE! 1
Slide 2: THE REASON: THEY DON’T KNOW THE ANSWER TO THESE QUESTIONS:    HOW MUCH DO I (WE) NEED? WHAT TYPE OF INSURANCE DO I (WE) BUY? HOW MUCH WILL IT COST? 2
Slide 3: QUESTION #1 HOW MUCH DO I (WE) NEED? 3
Slide 4: 3 WAYS TO BUY LIFE INSURANCE 4
Slide 5: Three ways to buy Life Insurance    DEBT ELIMINATION CPA METHOD CAPITOL PRESERVATION 5
Slide 6: DEBT ELIMINATION LIFE INSURANCE BENEFIT EQUALS AMOUNT OF DEBT. DEBT IS THEN PAID OFF AT DEATH OF INSURED 6
Slide 7: CPA METHOD MOST CPAs RECOMMEND THAT YOUR LIFE INSURANCE BENEFIT IS EQUAL TO 10 TO 15 TIMES YOUR INCOME. 7
Slide 8: CAPITOL PRESERVATION LIFE INSURANCE PROCEEDS EARN INTEREST INCOME FILLING THE SHORTAGE. ORIGINAL CAPITOL IS PRESERVED. 8
Slide 9: QUESTION #2 WHAT TYPE DO I (WE) NEED? 9
Slide 10: 2 TYPES OF LIFE INSURANCE   PERMANENT TERM INSURANCE 10
Slide 11: PERMANENT INSURANCE    DESIGNED TO LAST TO AGE 100 BUILDS EQUITY (CASH VALUE) FORMS OF PERMANENT INSURANCE    WHOLE LIFE UNIVERSAL LIFE VARIABLE LIFE  LEVEL PREMIUMS 11
Slide 12: TERM INSURANCE     DESIGNED TO COVER A SPECIFIC PERIOD NO EQUITY LOWER PREMIUM IN EARLY YEARS HAS LEVEL PREMIUM   10 YEARS 20 YEARS  PREMIUMS INCREASE DRMATICALLY AFTER LEVEL PERIOD 12
Slide 13: QUESTION #3 HOW MUCH WILL IT COST? 13
Slide 14: PREMIUM VARIABLES    TOBACCO USE AMOUNT MIX OF COVERAGE  TERM VS. PERMANENT  HEALTH CONDITIONS  YOUR BUDGET 14
Slide 15: OUR GOAL: DESIGN A PLAN THAT FITS YOUR BUDGET THAT HELPS TO FILL THE NEEDS THAT WE HAVE UNCOVERED. 15