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The Perfect Plan…

The Perfect Plan…. To Rescue Poorly Performing Assets. Agent Use. Agents Can Sell a plan with…. Multiple Interest Crediting Strategies 10% Penalty Free Withdrawals Flexible Payment Options (SPIA friendly) A Tax Free Death Benefit! Enhanced Nursing Home Benefits

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The Perfect Plan…

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  1. The Perfect Plan… To Rescue Poorly Performing Assets Agent Use

  2. Agents Can Sell a plan with…. • Multiple Interest Crediting Strategies • 10% Penalty Free Withdrawals • Flexible Payment Options (SPIA friendly) • A Tax Free Death Benefit! • Enhanced Nursing Home Benefits • Home Health Care Coverage too! • A Tax Advantaged Income Stream if needed • Double Digit Street Commission to age 80!

  3. ® NWL Lifetime Returns Select • Ages 45-85 • $25,000 Minimum Face • Single Pay, 5 Pay or 10 Pay • NO LAPSE GUARANTEE • Standard issue to Table 5! • Net Amount at Risk (see chart that follows)

  4. Net Amount at Risk by Age

  5. Prospect Existing Annuity Clients • Estate Creation or Maximization • Tax Efficient Wealth Transfer • Discounted Bequeaths • Underperforming Product Rescue • Retirement Income: Annuity Alternative • Maximize Savings Set Aside for LTC • A good reason to meet with every existing annuity client!

  6. Premium Payments • Single Pay (MEC) • 5 Pay (MEC) • 10 Pay CHOICES!

  7. INTEREST CREDITING • Fixed Interest • 4.80% • Current Rate • Monthly Point to Point • 3.50% • Current Monthly Cap • Annual Point to Point • 8.25% • Current Annual Cap • Monthly Average • 70% • Current Participation • NO CAP! Any Combination!

  8. Features CONTROL! • Variable Rate Policy Loans: Net Cost/ Net Gain based on index performance • Policy Loans: Paid Up Rider • No Lapse Guarantee to Age 121!

  9. LIQUIDITY CONTROL! • 10% Penalty Free Withdrawal (Beginning Year 2) • Terminal Illness Liquidity • 75% Death Benefit Advance • Max of $250,000 • $300 Processing Fee Living Benefit Rider Form 01-3071-96

  10. LIQUIDITY CONTROL! • Qualified Care Services (Nursing Home, Home Health Care, Assisted Living) • 90 Days of Consecutive Care • 24% of the Death Benefit Each Year • Paid Monthly • Max $500 K or until Face Amount = $12.5 K Accelerated Benefit Rider Form 01-3113-04

  11. Qualified Care Scenario CONTROL! • Death Benefit of $100,000 • $24,000 per year, $2,000 Monthly • 43 Months of Funding • Paid Direct or Assignable This Is An Optional Benefit.. Only $75,480 Premium w/ ABR!

  12. $100,000 For Sale at Age 60! Male $48,600 or $50,595 with ABR! Female $43,400 or $47,040 with ABR! ABR = Accelerated Benefit Rider

  13. $100,000 For Sale at Age 70! Male $63,500 or $66,281 with ABR! Female $56,800 or $62,239 with ABR! ABR = Accelerated Benefit Rider

  14. $100,000 For Sale at Age 80! Male $79,200 or $82,737 with ABR! Female $72,000 or $78,465 with ABR! ABR = Accelerated Benefit Rider

  15. Street Commission 11% (Level 3) Ages 45 to 80 7% (Level 3) Ages 81-85

  16. CHOICES + CONTROL = SALES OPPORTUNITIES • Annual Annuity Review on Existing Book of Biz • CD Renewals at 1-2%  • Second Marriages or Other Life Events • Sell an annuity while providing tax relief--80/20 • Withdraw or Annuitize From Existing Plans • Underperforming Life Policies • Underperforming Variable Annuities

  17. Simple U/W = Easy to Execute • 30 Minute Telephone Interview • Pharmaceutical Therapy Review • Table 5 to Standard Shave Program • No Exams Necessary for most applicants • Larger Faces are fully underwritten to provide maximum NAR to age 85—healthy clients welcome! • Ask the chief if you are uncertain

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