Feg sale presentation

FEG SALES PRESENTATION

POLICY REVIEW

• Review Client’s Policy

THE USE OF LIFE INSURANCE

• Funeral Cost

• Pay Debt

• Mortgage Protection

• Income Replacement

• Education Fund

• Taxes

• Donation/Gift

• Estate Planning

• Emergency

• Retirement

• Cash Value

• Liquidity

• Build Tax-Free Wealth

• Help Take Care of Loved Ones

FIDELITY & GUARANTY LIFE

Now let me tell you about one of the most advanced product offered through Fidelity & Guaranty.

FIDELITY & GUARANTY LIFE

Originally Incorporated in 1959

• 3 Locations: Des Moines, IA; Baltimore, MD; Lincoln, NE

• $22.4 Billion in Total Assets

• Over 96% of Assets rated in NAIC 1 or 2 Category

• Risk Based Capital in Excess of 450%

• Solid Rating Reviews – A.M. Best: B++ for Financial Strength, the Fifth Highest of 16 Rating Classes

• Stabile Leadership Team with Average of 29 years of Industry Experience

• Over 700,000 Policyholders with 20,000 Licensed Agents

SYNERGY GLOBAL ADVANTAGE GOLD

• THE POWER OF OPTIONS


• Fixed Indexed Account

• S&P 500 Indexed Account

• Gold Commodity Option Account

• Dow Jones Real Estate Account

• Option to Blend Accounts


• Real Estate prices are on the comeback

• Spread vs Cap on upside potential

• Uncapped strategy has the ability to deliver real performance

• Real Estate Index Credit will never be less than .25%

• Unique to the FIUL marketplace


• Allocations tied to the performance of the DJ Real Estate Account – DJUSR10T

• Annual One Year No Cap Point-to-Point index interest crediting option

• Use a 20 year look back with a current spread rate of 1.5% to determine current illustrative rate

• Currently illustrating at 10.77%

PAST PERFORMANCE OF SYNERGY GLOBAL ADVANTAGE

DJREIT – 20 year look back – Current Spread 1.5%

Gold – 15 year look back – Current Cap 14.00%

S&P 500 – 25 year look back – Current Cap 13.5%

FG Life-Gold/Synergy Global Advantage Gold

100% PAR S&P Gold DJUSR10T

15-Jan 7.83 15-Jan 8.12 15-Jan 11.87

15-Feb 8.34 15-Feb 9.30 15-Feb 12.48

15-Mar 8.25 15-Mar 8.80 15-Mar 11.71

15-Apr 8.24 15-Apr 8.24 15-Apr 11.67

15-May 8.36 15-May 7.30 15-May 10.82

15-Jun 8.53 15-Jun 9.08 15-Jun 9.61

15-Jul 8.19 15-Jul 7.27 15-Jul 9.47

15-Aug 8.52 15-Aug 8.64 15-Aug 8.98

15-Sep 8.76 15-Sep 8.83 15-Sep 9.62

15-Oct 8.76 15-Oct 9.65 15-Oct 11.07

15-Nov 8.33 15-Nov 7.92 15-Nov 10.86

15-Dec 8.35 15-Dec 8.83 15-Dec 11.10

Avg 8.37 Avg 8.50 Avg 10.77

HOW IMPORTANT ARE VOLATILITY CONTROLS?

January 1, 2007 – January 1, 2009

DJUSR10T: Down 6%

HOW IMPORTANT ARE VOLATILITY CONTROLS?

January 1, 2007 – January 1, 2009

DJUSRE: Down 58%

1. BANKS

80 / 20

2. S&P 500 3. REAL ESTATE 4. GOLD

5. Insurance

TERM

WHOLE LIFE

UNIVERSAL LIFE

VARIABLE LIFE

INDEX UNIVERSAL LIFE

16 / 4

3 / 1FIXED4.5%

InsuranceDeath BenefitLiving BenefitsLiquidityTax Free TransferTax Free LoansLobbyistDownside Protection

S&P 500: 8.37%Real Estate: 10.77%Gold: 8.5%

ILLUSTRATION35 year old, Male$1,000,000 Face Amount

401K VS IUL

LUMP SUM$100,000 Lump Sum

MONTHLY $500 Monthly Contribution

FREEDOM EQUITY GROUPBuilding Financial Freedom for every American Family, giving clients the security they need to grow tax-free income with Living Benefits.

Feg sale presentation

Economy & Finance

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