Term & Permanent Life Insurance

Term & Permanent Insurance Plans : 

Term & Permanent Insurance Plans 1

Term & Whole Life Comparison : 

Term & Whole Life Comparison Annual Renewable Term Initial Premium: $93 Ultimate Premium Age 80: $16,362 Cumulative Total Premium Age 80: -$168,614 Whole Life Annual Level Premium: $1,148 Total Premium Age 80: $51,660 Total Cash Value Age 80: $205,554* Cost/Profit:+$153,894* Total Premium Age 100: $74,620 Total Cash Value Age 100: $589,169* Cost/Profit:+$514,549* * Includes non-guaranteed dividends Initial Face Amount: $100,000 Ultimate Face Amount Age 80: $100,000 Initial Face Amount: $100,000 Ultimate Face Amount Age 80 : $272,949* Ultimate Face Amount Age 100: $589,169* Face Amount: $100,000 Age 35 Ultra Preferred Non-Smoker 2

Annual Renewable Term : 

Annual Renewable Term Face Amount: $100,000 Age 35 Ultra Preferred Non-Smoker Annual Renewable Term to Age 80 Initial Premium: $93 Ultimate Premium Age 80: $16,362 Cumulative Total Premium Age 80: -$168,614 $0 $2,000 $4,000 $6,000 $8,000 $10,000 $12,000 $14,000 $16,000 $18,000 1 4 7 10 13 16 19 22 25 28 31 34 37 40 43 Year Age 35 80 100 Whole Life Annual Level Premium: $1,148 Total Premium Age 80: $51,660 Total Cash Value Age 80: $205,554* Cost/Profit:+$153,894* Total Premium Age 100: $74,620 Total Cash Value Age 100: $589,169* Cost/Profit:+$514,549* * Includes non-guaranteed dividends Age 80 Age 100 3

Whole Life : 

Whole Life Face Amount: $100,000 Age 35 Ultra Preferred Non-Smoker Age 100 4

Term & Whole Life Comparison : 

Term & Whole Life Comparison 5

Term Insurance Cost Study : 

Term Insurance Cost Study AGE (Male Age 40, Face Amount: $1,000,000 Select Preferred Class) 6 EXPIRED EXPIRED

Slide 7: 

Premium Paying Years LISR Whole Life Issue Age Whole Life 100with Life Insurance Supplement Rider Initial Death Benefit Age 100 Age 121 Protection Years Crossover Point 7

Some Compelling ReasonsWhy Permanent Life Insuranceis Still the Best Way to Go : 

Some Compelling ReasonsWhy Permanent Life Insuranceis Still the Best Way to Go

Some Compelling ReasonsWhy Permanent Life Insuranceis Still the Best Way to Go : 

Some Compelling ReasonsWhy Permanent Life Insuranceis Still the Best Way to Go

Some Compelling ReasonsWhy Permanent Life Insuranceis Still the Best Way to Go : 

Some Compelling ReasonsWhy Permanent Life Insuranceis Still the Best Way to Go

Some Compelling ReasonsWhy Permanent Life Insuranceis Still the Best Way to Go : 

Some Compelling ReasonsWhy Permanent Life Insuranceis Still the Best Way to Go

Some Compelling ReasonsWhy Permanent Life Insuranceis Still the Best Way to Go : 

Some Compelling ReasonsWhy Permanent Life Insuranceis Still the Best Way to Go

Some Compelling ReasonsWhy Permanent Life Insuranceis Still the Best Way to Go : 

Some Compelling ReasonsWhy Permanent Life Insuranceis Still the Best Way to Go

Human Interest StoryThe Hindenburg Zeppelin & Term Insurance : 

Human Interest StoryThe Hindenburg Zeppelin & Term Insurance

Leonard Renieron “Buy Term & Invest the Difference” : 

Leonard Renieron “Buy Term & Invest the Difference” Here’s some of his insights about Buy Term & Invest the Difference...  The most common marketing ploy for term insurance tells us to buy term insurance rather than cash value insurance and invest the difference. If that’s such sound advice, why don’t we apply the wisdom more often? For example:  Buy folding chairs, not a couch, and invest the difference. Buy a push mower, not a power mower, and invest the difference.  Buy a bicycle, not a car, invest the difference.  Buy a shovel, not a snow blower, invest the difference.  Buy a pet, don’t have kids, invest the difference.  Buy scissors, cut your own hair, invest the difference.  Buy just aspirin, not your prescriptions, invest the difference.  Stay at home, don’t take the spouse out, invest the difference.  Move back in with your parents, sell your house, invest the difference.  Visit the mall, instead of taking a vacation, invest the difference. If this philosophy works with everything, then simply extract value and invest the difference. Leonard Renier in his book, “Learning to Avoid Unintended Consequences”

SynergiaBusiness Presentations : 

SynergiaBusiness Presentations Joaquin “Duke” G. Wilwayco8301 Ephraim Road, Austin, TX 78717Phone: (512) 799-2999 Email: dgwilwayco@aol.com 16