Financial Insurance Advisors

“A Division of Financial Advisors International”

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FIA is a One-Stop Financial Center, helping people take charge of their family’s future.

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FIA helps bring Equity Indexed Products to middle America by helping clients make money when the stock market is up, never losing money when the market is down and accessing their money tax free at retirement. FIA offers a variety of insurance products such as indexed life, indexed annuities, term insurance and more.

One-Stop Financial Center

Age 2%Money Doubles Every 36 Years

29 $100,00065 $200,000

* These hypothetical examples are for illustrative purposes only and do not represent any particular investment vehicle. The Rule of 72 is a mathematical concept that approximates the number of years it would take to double the principal at a constant rate of return. The performance of investments fluctuates over time, and as a result, the actual time it will take an investment to double in value cannot be predicted with any certainty.

The Rule of 72Divide 72 by the interest rate to estimate the number of years it

takes for your money to double.

Age 8%Money Doubles Every 9 Years

29 $100,00038 $200,00047 $400,00056 $800,00065 $1,600,000

Age 10%Money Doubles Every 7.2 Years

29 $100,00036.2 $200,00043.4 $400,00050.6 $800,00057.8 $1,600,00065 $3,200,000

The person with the most “doubles” wins.Average 401k Active Money ManagementIndexed Products

* Average 401k taken from the book “The Great 401(k) Hoax” by William Wolman

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Albert Einstein's 9th Wonder: Compound Interest

Safety ofPrincipal

Fixed Products

1% to 4%

Risk ofPrincipal

VariableProducts

UpsidePotential

IndexedProducts

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Types of Investments: TIC-TAC-TOE

They are fixed interest rate products that earn interest based on the potential of an index

Protect your principle and earned interest from loss

Long term savings vehicles designed to accumulate cash on a tax deferred basis

Guarantee a lifetime of income. 5

What are Equity Indexed Products

$150,000

$140,000

$130,000

$120,000

$100,000

$160,000

$170,000

$90,000

$110,000

$100,000 Invested in 1997

Indexed AccountLarge Company Stocks

Many people sacrifice return for safety, and other people sacrifice safety for return. Indexing brings together the best of both.

8/1997 8/1998 8/1999 8/2000 8/2001 8/2002 8/2003 8/2004 8/2005 8/2006 8/2007 11/2008

$149,937

$126,925

$139,237

$95,529

$115,449

$129,330

$117,435

$152,488

$133,977

$103,775$96,845

$114,490$122,504 $122,504

$122,504

$140,255

$155,476

$166,359

$150,073

$131,080

$107,000

$166,359

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Indexed Products VS. Large Company Stock Protection & Potential

People who are dissatisfied with interest from CDs or other fixed rate savings accounts

People who don’t have the time or temperament for the stock market

People who are tired of losing money in the stock market and want investments with guarantees to never lose money

Still would like to participate in the returns of the market without having any money actually in the market

People who want to grow & access their money tax free at retirement

People who want liquidity7

When are Indexed Products Appropriate?

1 Equity Indexed Annuity… $5,0001 Equity Indexed Life… (year 1 only) $2,400

Annualized Income: $88,800

$7,400/mo.

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Personal Production Compensation

Equity Indexed Annuity income is based on a $100,000 account where Equity Indexed Annuity is paying 10% gross commission. Equity Indexed Life is based on clientpaying a $500 a month premium where CTP is $4,800. Hypothetical example.

Annualized Income: $301,920

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Personal and Team Compensation

Equity Indexed Annuity income is based on a $100,000 account where Equity Indexed Annuity is paying 10% gross commission. Equity Indexed Life is based on clientpaying a $500 a month premium where CTP is $4,800. Hypothetical example. Team overrides are based on a Division Director (64%) overriding a team of 5 agents where each agent is doing 1 transaction a month and is at an Intern level (40%).Commission level.

1 Equity Indexed Annuity $5,0001 Equity Indexed Life $2,400

$7,400/mo.

Personal Production5 Equity Indexed Annuity $12,0005 Equity Indexed Life $5,760

$17,760/mo.

Team of 5 Agents