Foresters Financial Partners Desktop Sales Maker Series

1
Foresters Financial PartnersDesktop Sales Maker
Series   

• Host Ed Ledford, CLU, RFC
• VP- Business Development - FFP
• Guest Eric Lopez, MBA, FLMI, AFSI
• VP of Sales Marketing- National Life

2
National Life GroupEric Lopez, MBA, FLMI,
AFSIVP, Key Accounts and National Hispanic Sales
Marketing elopez_at_nationallife.com
National Life Group is a trade name representing
various affiliates which offer a variety of
financial products. Each company of the National
Life Group is solely responsible for its own
financial condition and contractual obligations.
TC44183(0908) 
3
Group Members
4
The Need
5
Consumer Financial Concerns

• 45 of 40 year olds will experience a disability
  during their working years that will last 90 days
  or more. 80 of todays 20 year olds will
  experience a disability that will last 90 days or
  more before age 651

1Social Security Administration
6
Consumer Financial Concerns

• 45 of 40 year olds will experience a disability
  during their working years that will last 90 days
  or more. 80 of todays 20 year olds will
  experience a disability that will last 90 days or
  more before age 651

• Almost half of Americans have saved less than
  50,000 (46), and 15 say they have saved
  nothing towards retirement2

1Social Security Administration 22002
Retirement Confidence Survey American Savings
Education Council
7
Consumer Financial Concerns

• 45 of 40 year olds will experience a disability
  during their working years that will last 90 days
  or more. 80 of todays 20 year olds will
  experience a disability that will last 90 days or
  more before age 651

• Almost half of Americans have saved less than
  50,000 (46), and 15 say they have saved
  nothing towards retirement2

• At age 65, the odds are nearly 1 in 2 that you
  will require nursing home services for at least
  2.5 years3

1Social Security Administration 22002
Retirement Confidence Survey American Savings
Education Council 3LIMRA International
8
Consumer Financial Concerns

• 45 of 40 year olds will experience a disability
  during their working years that will last 90 days
  or more. 80 of todays 20 year olds will
  experience a disability that will last 90 days or
  more before age 651

• Almost half of Americans have saved less than
  50,000 (46), and 15 say they have saved
  nothing towards retirement2

• At age 65, the odds are nearly 1 in 2 that you
  will require nursing home services for at least
  2.5 years3

• In a recent survey, 45 percent of widows and 37
  percent of widowers said their spouse had been
  inadequately insured3

1Social Security Administration 22002
Retirement Confidence Survey American Savings
Education Council 3LIMRA International
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The Average Consumer Cannot Afford the
Individual Policy Approach
Accelerated Living Benefits
Life Insurance
Disability
Retirement
800



200
200
200
200
Rejected!
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The Average Consumer Cannot Afford the
Individual Policy Approach
ONE COMBINED SOLUTION




Four unrealistic premiums become One affordable
solution
Benefits may not be mutually exclusive. Using one
benefit may reduce or eliminate another.
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Policy loans and withdrawals and the use of
living benefits riders reduce the policys cash
value and death benefit and may result in a
taxable event.. Riders are optional, may
require an additional premium and may not be
available in all states.
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The Life Event Story
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The Life Event Story

• The Clients
• A young married couple, both age 35, Verified
  Standard Non-Tobacco.
• The couple has a 3-year-old son and can afford to
  put a combined 300 per month into the policy.

• Their Needs
• Financial protection in the event of death,
  critical, chronic, or terminal illness.
• Cash reserves that may be used for emergencies,
  college expenses or retirement

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The Life Event Story

• Two SecurePlus Paragon Policies
• 300,000 face amount each
• 300/month
• Living Benefits
• Critical, Chronic and Terminal Illness plus Cash
  Accumulation

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Life Event 1

• Two years after the policy is issued, the husband
  suffers a severe heart attack, but survives.
• Accelerate 75,000 of death benefit ABR3 Critical
  Illness Benefit 33,000.
• 15,000 for medical expenses
• 18,000 for pay down refinance their mortgage

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Life Event 2

• Fifteen years into the policy, their son goes to
  college.
• The couple uses the cash value in her policy to
  help pay for college expenses.
• 10,000 per year for 4 years 40,000.

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Life Event 3

• The couple retires at age 65 with a combined cash
  value of 393,000.
• They are able to stop paying premiums and take
  100,000 in cash from husbands policy for a down
  payment on a vacation condo.
• At age 66 they begin making annual withdrawals
  from both policies totaling 48,000 to supplement
  their retirement income.

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Life Event 4

• At age 79, the wife becomes ChronicallyiIll and
  enters a nursing home. They accelerate 1 of her
  Death Benefit each month.
• Monthly Benefit is 3,355 per month. Total over
  60 months 201,000.
• Husband continues withdrawing 24,000 out of his
  policy annually.

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The Final Life Event

• At age 83, both husband wife pass away.
• The remaining death combined death benefit of
  678,000 is earmarked for their son and his
  family, including their grandchildrens college
  fund

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Benefit Summary
Husbands Heart Attack Critical Illness /
ABR3 Medical Expenses 15,000 Mortgage
Reduction Payment 18,000 Sons College -
Policy Cash 40,000 Retirement - Condo Down
Payment - Policy Cash 100,000 Supplemental
Retirement Income - Policy Cash 720,000 Wife
Enters Nursing Home Chronic /
ABR2 201,000 Wife and Husbands Death Death
Benefit Grandchildrens College 678,000
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Life Event Story The Bottom Line
Living Benefits Paid 1,094,000 Death Benefit
Paid 678,000 Total Benefits Paid 1,772,000 Total
Premiums Paid 171,000
The benefits shown in this example do not reflect
guaranteed or current values as they would have
appeared in an actual illustration. The values
have been rounded to the nearest thousandth for
illustrative purposes only. This type of
illustrative example may not be used with the
public as it does not comply with the
illustration and advertising regulations that
govern these types of materials when used in a
sales situation.
22




Policy loans and withdrawals and the use of
living benefits riders reduce the policys cash
value and death benefit and may result in a
taxable event.. Riders are optional, may
require an additional premium and may not be
available in all states.
23
LSWs UL Portfolio

• Fixed Rate ULs
• Horizon
• Harbor
• Foundation (Coming Soon!)
• Indexed ULs
• Provider 1st Gen IUL
• Paragon 2nd Gen IUL
• SecurePlus Advantage 79

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SecurePlus Paragon
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SecurePlus Paragon

• Issue ages 0 - 85 (age nearest)
• Minimum Face 100,000
• (Base Face Amount APB Face Amount)
• Minimum APB 25,000
• Maximum APB Nine times base face
• Maximum Face Talk to us
• Premium Bands 250,000 1,000,000

Additional Protection Benefit Rider. Riders are
optional, may require an additional premium and
may not be available in all states.
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SecurePlus Paragon

• Rate Classes
• Elite Pref. Non-Tobacco (issue ages 20-75)
• Preferred Non-Tobacco (issue ages 20-85)
• Standard Non-Tobacco (issue ages 0-85)
• Preferred Tobacco (issue ages 20-75)
• Standard Tobacco (issue ages 20-85)
• Standard Non-Tobacco for insureds ages 0-19

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SecurePlus Paragon

• Minimum Premium 25.00 / month
• Surrender Charge 10 year declining charge
• Policy Loans Variable and fixed available after
  the first policy year
• Withdrawals Available after the first policy
  year
• Minimum Interest 2.5, available at death or
  full surrender

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SecurePlus Paragon

• Other Features
• High, lifetime rolling targets.
• Year 1 surrender charge cap.
• CVAT testing available higher premium in early
  years.
• Full customization with available riders.
• 1035 Exchanges available with loans of up to 50
  of the gross transfer amount.
• Illustration functionality / InsMark

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Provider

• Issue ages 0 - 85 (age last birthday)
• Minimum Face 25,000
• Maximum Face Talk to us
• Minimum Interest 2 every 5 years
• Account Value Enhancement
• 1.25 beginning at end of policy year 10

Additional Protection Benefit Rider. Riders are
optional, may require an additional premium and
may not be available in all states.
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Provider

• Rate Classes
• Preferred Non-Tobacco (issue ages 20-85)
• Standard Non-Tobacco (issue ages 0-85)
• Express Standard NT (issue ages 0-85)
• Preferred Tobacco (issue ages 20-85)
• Standard Tobacco (issue ages 20-85)
• Standard Non-Tobacco for insureds ages 0-19

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Participation, Cap andIllustration Rates
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SecurePlus Paragon

• Interest Crediting 1 yr term, annual reset
• Fixed Interest
• Point-to-Point Cap focus
• Point-to-Point Participation Rate focus
• Point-to-Point No Cap
• Point-to-Daily Average

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Paragon RatesAs of November 21, 2008
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Provider

• Interest Crediting 5 yr term, annual reset
• Fixed Interest
• Point-to-Point Cap focus
• Point-to-Point Participation Rate focus
• Point-to-Daily Average
• Not available simultaneously, determined by
  policy selected at issue

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Rider Portfolio
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Rider Portfolio

• Accelerated Benefits
• Terminal Illness
• Chronic Illness
• Critical Illness
• Long-term Care
• Extension of Benefits
• Accidental Death Benefit
• Additional Protection Benefit

• Balance Sheet Benefit
• Childrens Term
• Disability Income
• 2-year
• 5-year
• Guaranteed Insurability
• Other Insured
• Overloan Protection
• Unemployment
• Waiver of Target Premium

Some riders are optional, may require an
additional premium and may not be available in
all states. Use of Accelerated Benefits riders
reduce the policys cash value and death benefit
and may result in a taxable event.
37
Accelerated Benefits Riders

• ABR 1 Terminal Illness
• Death expected within two years.
• Lump-sum distribution (discounted death benefit).
• Funds can be used for any purpose.
• No additional cost.

One year in PA, CT or VT. Please see the ABR
disclosure forms for more information.
Form series 8052(0798)
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Accelerated Benefits Riders

• ABR 2 Chronic Illness
• Unable to perform 2 of 6 ADLs or cognitive
  impairment (at least 90 days).
• Max. monthly benefit calculated as 2 of the net
  death benefit (actual payment is discounted).

Please see the ABR disclosure forms for more
information.
Form series 8095(0399)
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Accelerated Benefits Riders

• ABR 2 Chronic Illness (contd)
• Activities of Daily Living
• Bathing
• Continence
• Dressing
• Eating
• Toileting
• Transferring
• Cognitive Impairment
• Short-term or long-term memory impairment
• Loss of orientation to people, places or time
• Deductive or abstract reasoning impairment

Form series 8095(0399)
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Accelerated Benefits Riders

• ABR 2 Chronic Illness (contd)
• 90-day waiting period.
• Policy must be in force for two years before
  benefits become available.
• Funds can be used for any purpose.
• No additional cost.

Form series 8095(0399)
41
Accelerated Benefits Riders

• ABR 3 Critical Illness
• Covered Illnesses
• Heart Attack
• Stroke
• Cancer
• End stage renal failure
• Major organ transplant
• ALS (Lou Gehrigs disease)
• Blindness

Upon diagnosis. Please see the ABR disclosure
forms for more information.
Form series 8165(0703)
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Accelerated Benefits Riders

• ABR 3 Critical Illness (contd)
• Available 30 days after policy issue.
• Lump-sum distribution (discounted from death
  benefit).
• Funds can be used for any purpose.
• No additional cost.

Form series 8165(0703)
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Extension of Benefits Rider

• Provides LTC benefits after ABR2 or LTC Rider
  benefits have been exhausted.
• Max. monthly benefit of 1 of initial face amount
  for nursing home or home health care or .5 for
  adult day care.
• Not available with APB rider.

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Extension of Benefits Rider

• Funds must be used for long-term care costs.
• Benefits are paid for life as long as insured
  remains eligible.
• Rider premiums remain level.
• Inflation protection available
• 5 annual compounded increase.
• Starting at policy issue.
• Issue ages 0 70.

45
Additional Protection Benefit Rider

• Provides additional permanent coverage.
• Minimum base face amount - 10,000.
• Maximum APB blend 9 times base.
• No target premium associated with APB.
• Maximum ABR acceleration 50 of APB amount at
  time of initial acceleration

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Balance Sheet Benefit Rider

• Eliminates surrender charges on applicable
  coverage.
• Available for up to 100 of coverage.
• Monthly charge based on age, sex, rate class.
• Level compensation schedule applies for
  applicable coverage.

Form series 8459(0606)
47
Childrens Term Rider

• Provides term insurance on all of the insureds
  children until age 23.
• Coverage per child
• Min. 5,000
• Max. 25,000
• New children added automatically.
• Convertible for double the rider face amount at
  age 23, marriage, or death of PI.
• Issue ages 15 days - 16 years.

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Disability Income Rider (2 year)

• Two-year payout period.
• Available for both Primary Insured and Primary
  Other Insured.
• 3-month waiting period
• Benefits paid retroactively

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Disability Income Rider (2 year)

• Own occupation.
• Min. monthly benefit 300.
• Max. monthly benefit 2,000, 60 of gross
  income, or 2 of policy face amount.
• Premiums remain level.
• Issue ages 18 55.

50
Disability Income Rider (5 year)

• Five-year payout period.
• Available for both Primary Insured and Primary
  Other Insured.
• 6-month waiting period
• No retroactive benefits

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Disability Income Rider (5 year)

• Own occupation first 2 years any occupation
  thereafter.
• Min. monthly benefit 300.
• Max. monthly benefit 2,000, 60 of gross
  income, or 2 of policy face amount.
• Premiums remain level.
• Issues Ages 18-55.

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Other Insured Rider

• Low-cost renewable term insurance
• Spouse
• Child
• Business Partner
• Min. amount 25,000.
• Max. amount base policy face amount.
• Rider stays in force to other insureds age 100
  as long as base policy remains in force.
• Issue ages 0 85.

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Overloan Protection Rider

• Prevents a potential tax liability if a policy is
  in danger of lapse due to loans
• Creates a paid up policy
• Policy must be in corridor
• Loans at least equal to 95 of policys
  accumulated value

Form series 8315(0206)
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Overloan Protection Rider

• Not available on CVAT.
• No additional cost until rider is exercised.
• Policyholder will be notified when eligibility
  requirements are met.
• Insured must be age 75 or greater.
• Policy must be in force at least 15 years.

Form series 8315(0206)
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Waiver of Target Premium

• Waives the policy premium up to target when the
  insured is totally disabled
• 6-month elimination period
• Premiums remain level
• Issue ages 15 - 55

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Other Riders

• Accidental Death Benefit Rider1
• Guaranteed Insurability Rider2
• Unemployment Rider3

1 Form series 8050(0798), 2 Form series
8051(0798), 3 Form series 8058(0798)
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Features and Benefits Assessment

• Accelerated Benefits
• Long Term Care
• Loans
• Overloan Protection
• Sweep Frequency
• Term Blending
• Surrender Charge Flexibility
• Surrender Charge Period

Products and rates are subject to change.
Comparison information was provided by
inter-company exchange and third-party research.
The comparison may not be of identical features
and/or benefits and is meant to cover all IUL
products offered by the companies noted.
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Special Marketing Programs

• Life Cycle Kits
• Hispanic Marketing Program
• Section 79
• QPM (Qualified Plan Marketing)
• Premium Finance

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Internal Sales SupportGary P. Lenz,
LUTCFRegistered RepresentativeSenior Internal
Sales Associate888-297-3990glenz_at_nationallife.co
mwww.nationallife.com

• SecurePlus Paragon is underwritten by Life
  Insurance Company of the Southwest, Dallas,
  Texas. SecurePlus Paragon is not available in
  all states.

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Thank you for your business!Eric Lopez, MBA,
FLMI, AFSIVP, Key Accounts and National Hispanic
Sales Marketing elopez_at_nationallife.com
National Life Group is a trade name representing
various affiliates which offer a variety of
financial products. Each company of the National
Life Group is solely responsible for its own
financial condition and contractual obligations.
TC44183(0908) 
61
Foresters Financial PartnersDesktop Sales Maker
Series  

• Q As
• Thank You for Participating