Are you ready to get a glimpse of the rewards and benefits of becoming an insurance professional?

Opportunity disclosuresOpportunity disclosures

• All representatives must hold a current life insurance license in order to receive commissions from the various insurance companies.

• This presentation shows an example of the potential income for licensed agents that can be earned. These numbers are based on the results illustrated. Your actual income will vary and could be either higher or lower than the numbers shown.

• None of the material in this presentation is intended to give specific tax and/or legal advice.

To change the lives of people and protect their

financial well-being!

JOIN OUR CRUSADE!JOIN OUR CRUSADE!

A CHANCE TO CHANGE ONE OF THE LARGEST INDUSTRIES IN THE WORLD!

You can be a part of this REVOLUTION...

Are you ready to see the money...?

82,000,000 MillennialsAges 20-34

82,000,000 MillennialsAges 20-34

64,000,000 Generation XAges 35-47

64,000,000 Generation XAges 35-47

77,000,000 Baby Boomers

Ages 48-66

77,000,000 Baby Boomers

Ages 48-66

40,000,000 Seniors

Age 65+

40,000,000 Seniors

Age 65+

200 million+ people are in need of COMMON SENSE financial protection and retirement solutions, and you could be the

one to help them!

How big is the insurance market, How big is the insurance market, and how do you fit in?and how do you fit in?

• $4.3 trillion in 401(k)s...

• 50% of current college graduates cannot find jobs...

• 23 million people are out of work...

• 47 million people on food stamps...

Income is down $4,300 per family across America!

We work with some of the biggest We work with some of the biggest and oldest companies in the industryand oldest companies in the industry

Founded in 1848$44 billion in assets

Founded in 1905$23 billion in assets

Founded in 1900$9.6 billion in assets

Founded in 1995$25.4 billion in

assets

Why is this a solid industry to Why is this a solid industry to work in?work in?

People also need financial protection while they’re still alive! You can provide them with that peace of

mind, as well.

Because people die. As an agent, your job is to offer people various financial solutions that suits their

needs, so that their families are adequately protected when that event takes place.

If you got sick and couldn’t work, how long would your financial

resources last?

There is a There is a 70%70% chance a person will suffer a chance a person will suffer a HEART ATTACK, STROKE or CANCER before HEART ATTACK, STROKE or CANCER before

the age of 65!the age of 65!

This LIVING BENEFIT check saved this family from financial devastation when he got cancer! How good would you have felt knowing that his family was financially

protected, and you were the one that pointed them in the right direction?

The The SolutionSolution? A plan that provides flexibility throughout ? A plan that provides flexibility throughout all phases of a person’s lifeall phases of a person’s life

Critical illness - Heart Attack, Stroke, Cancer, Blindness...Chronic illness - Unable to perform 2 of the 6 Activities of Daily

Living, bathing, continence, dressing, eating, toileting, transferring.

Outliving your money is worse than dying too soon!

How do most people save for their retirements…401(k),

403(b), IRA?

Retirement is important too! Will you Retirement is important too! Will you have enough income to enjoy have enough income to enjoy youryour

retirement?retirement?

All of the above, but is a 401(k), 403(b), or All of the above, but is a 401(k), 403(b), or IRA really the best place to put your IRA really the best place to put your

retirement nest egg?retirement nest egg? “The ugly truth, is that the 401(k)

is a LOUSY PRODUCT, a FINANCIAL FLOP...”

Time magazine - October 19, 2009High fees & taxes are

killing people’s retirement goals!

Your role as an agent can also help people with the four phases of

retirement planning

IRA / 401(k) / 403(b)

TAX-FREE ALTERNATIVE

Would you prefer to pay taxes upfront, or pay

higher taxes later once you’ve retired?

TaxDeductible

TaxDeferred

TAXABLE

TaxDeferred

TAXABLE

NOTDeductible

TAXFREE

TAXFREE

Death & living benefits, including retirement Death & living benefits, including retirement affect affect youyou as well as your clients. as well as your clients.

20

Contributions required to achieve a monthly income of either $3,000 or $5,000, at the age of 65.

$4,881.30

$3,000Age $5,000

30

40

50

60

$ 68.00$

156.36$

377.13$1,036.4

8

$ 113.33$ 260.59

$ 628.55

$1,727.47

$8,135.51

Figures based on an assumed compounded rate of 8%. The amounts shown are rough numbers and are not exact.

Is your own financial future secure? Should you have the Is your own financial future secure? Should you have the same protection that you’re expecting your clients to same protection that you’re expecting your clients to

have?have?

$300K($310,125)

$500$300 $1,000

Contribution example: 35 year old male, preferred, non-smoker

$500K($521,206)

$1 million($1,051,686)

$300K($338,403)

$500K($568,915)

$1 million($1,149,334)

$48,888

$82,258

$166,281

$3 million($2,934,967)

$5 million($4,940,289)

$10 million($9,989,720)

$300K($276,082)

$500K($459,490)

$1M($917,559)

Minimum death

benefit:

Monthly contribution:

Account value @ age

65:Tax-free

income to age 120:

A 401(k) will last roughly 6 years before running out of money. Fees & taxes are not accounted for in the

figure shown.

Account value @ age 100:

Tax-deferred vs. Tax-freeTax-deferred vs. Tax-free(35 Year old male contributing $500/month) 401(k) / 403(b) /

IRAFlexible

LifeCumulative

contributions to age 65

totaling $180,000

Divide the numbers in the gold ovals by the desired after-tax yearly income of $82,258 to

determine how long the funds will last (beginning at age 66).

$180,000 $180,000$459,490

$2,151,926

$2,061,259

$2,879,030

0Account values at age 100

Death benefit value to be paid to a beneficiary

The 401(k), 403(b) and IRA account is

depletedin 6 short years after

the age of 65

Cash flow continues

to age 120

To age 72To age

100

You must start drawing your funds

by age 70 1/2 to avoid incurring heavy penalties

Policy endows or pays the policy face

value at age 100

This is the perfect money solution! This can be This is the perfect money solution! This can be extremely lucrative for you as an agent.extremely lucrative for you as an agent.

People want to minimize their tax exposure when they retire, have their investments grow, and never lose money. They also want a disability or long-term care plan. Is that too ideal? Well, it isn’t! There is a product available that does just that.

Death is unavoidable, but you can protect

the financial well-being of you, your own family, and the lives of

your clients.

Getting sick and not being able to work can ruin even the best financial plans!

With billions of liquid reserves and commissions ready to be paid out to you, do you want to explore the possibilities of how you can prosper by helping other people?

This is the ONLY industry in the world where you can leverage $300 to get $3,000 worth of value once a policy is issued. Want to get started?

Insurance is a trillion dollar industry. Would Insurance is a trillion dollar industry. Would you like to have a little slice of that pie for you like to have a little slice of that pie for

yourself?yourself?

YOU

1 2 3 4 5

A potential $250,000+ annual income is possible if you follow the turn-key, duplicable system. You could earn $50K a year,

working part-time, if that’s your desire. You are in control.

Getting started is simple...Getting started is simple...

You teach them to follow your lead and to duplicate the same system, which you will

learn.

You start your own $300/month TAX-FREE retirement plan!

SHARE this vision with five other people who are also serious & coachable, and are open to learning &

earning!

First 45 day First 45 day Fast TrackFast Track promotion to VPpromotion to VP

$300

$300

$300

$300

$300

1. Bill

4. Sue

5. Tom

3. Pat

2. Mel

$1,200

$1,200

$1,200

$1,200

$1,200

$6,000

5

5

5

5

5

Training bonus

VP Override

$5,250

$5,250

$5,250

$5,250

$5,250$26,250

$32,250 total potential income within first 60 days...

New Rep

VPHere’s a quick overview of your first 45-60 day earning potential

until you get your license…

OVER $250,000 income in 12 months!

YOUpromote to

Premium#

Reps

Advancing to VP is your first target. Earn 75% of the commissions Advancing to VP is your first target. Earn 75% of the commissions you generate, plus earn a certain percentage of the performance of you generate, plus earn a certain percentage of the performance of

your own team.your own team.

New repSales

Leader

40%► 3 Recruits and 3

Sales45%

► 3 Sales LeadersDistrict

Manager50%

► 2 District ManagersDivision

Manager60%

► 2 Division Managers

VP (level) 75%VP 1st 9%VP 2nd 3%VP 3rd 2%VP 4th 2%VP 5th 1%VP 6th 0%VP 7th 0%

$100K $200K $400K $600K $1,000,000SVP NVP SNVP ENVP FOUNDER 78% 81% 78% 81% 93%12% 15% 18% 21% 27% 6% 9% 12% 15% 21% 5% 8% 11% 14% 20% 5% 8% 11% 14% 20% 4% 7% 10% 13% 19% 3% 6% 9% 12% 18% 3% 6% 9% 12% 18% - Infinity Override -

The life insurancedistribution system pay

grid

Allow the IRS to pay for your $300 Allow the IRS to pay for your $300 retirement savings plan…retirement savings plan…

A job Your business

Gross IncomeDeductible Expenses

Taxable Income

Tax

$50,000 $50,000

$10,000 $20,000

$40,000 $30,000

$7,500 $11,200

28% 25%

IRS ShareTax

Deductions5 100+

Potential Tax Savings

0 $3,700

A home-based business is A home-based business is one of the bestone of the best strategies to legally strategies to legally lower your taxes and reduce your overhead. There are many ways lower your taxes and reduce your overhead. There are many ways

to free up money and reduce taxes.to free up money and reduce taxes.

► Tax deductions, meals, home office, auto, cell phone...

► Review your current life insurance policy…

► Raise your insurance deductibles...

► 401(k)/IRA - contribute only up to matching amount...

► Reduce overpayments on mortgage, cars, etc

And many more...

The RIGHT EXPERT is the key...

► Pay your kids instead of giving them allowances...

Is your current job depriving you of the things you really want to Is your current job depriving you of the things you really want to have or be able to do?have or be able to do?

Is it time to explore a different career path? Are you open and ready to take advantage of this

opportunity?

BEFORE

5. No Retirement Plan

3. No Life Insurance

AFTER

4. No Living Benefits

2. No Extra Income

1. JOB

6. Just Over Broke

1. Become an insurance professional

5. $30K-100K tax-free annual income

3. $300K life insurance protection

4. Living benefits in place (disability & long-term care)

2. $250K+ potential income

6. Just Overwhelmed with Blessings

Are you in control of your Are you in control of your destiny?destiny?

Are you living in your DREAM home?

Are you taking your DREAM vacations? Are you saving for your DREAM retirement?

Are you driving your DREAM car?

You can ACHIEVE Your DREAMS! Is this the right path for you? Do you want more information? Getting started is

simple…

Getting started. Five simple Getting started. Five simple steps will put you on the steps will put you on the

right path…right path…• Activate Your $300 TAX-FREE retirement plan• Scope-out your top 5 serious & coachable

associates• Sit down with me and discuss your needs & desires• Plan & execute your roadmap to achieve your goals• Restore and begin living your Dreams!

Contact me when you’re ready to get started…

Greg F. Marshall916.215.2459 (cell)

1.866.557.7015 (fax)4.gf.marshall@gmail.comwww.MakeYourLifeBetterNow.c

omMy senior associates and I will train you. There are also conference calls and webinars for your convenience. ►

Training calendar. Other trainings are Training calendar. Other trainings are held in other locations, as well. Please held in other locations, as well. Please

inquire.inquire.

Webinar – Tuesdays at 10:00 A.M. & 11:30 A.M AND

Monday-Thursday evenings at 6:00 P.M. (25 mins)

24-7 TRAINING: www.fegins.com www.fegins.netConference call – Every Tuesday at 9:00 A.M.

1-866-906-7447, pin 7912032

Training & Opportunity Meeting Saturdays at 10:00 A.M. -- San Diego office

Training & Opportunity MeetingThursdays at 7:00 P.M. – Anaheim, CA

Training & Opportunity Meeting Wednesdays at 6:00 P.M. – Sacramento, and

6:30 P.M. in San Diego & San Jose, CA