Planning for retirement income requires important decisions!Let Nsurance Solutions Group help design a plan which fits your needs.

THE NSURANCE SOLUTIONS GROUP “We’re all about helping you plan for retirement”

The Importance of Retirement Planning

Are you concerned about...

• Outliving your retirement income?

• Paying state and federal taxes?

• Getting a satisfactory return on your money?

• Market volatility?

• Probate and estate transfer fees?

• Loss of assets to long-term care?

• Creditors?

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Income

Social

Security

Pension

Wages

Interest

$

Monthly

Living

Expenses

$

Savings

Fund

$

Emergencies

$

NEST EGG

The Importance of Retirement Planning

Are the assets in your NEST EGG accumulating at a satisfactory rate?

2014 Property of Tri-State Agency for Senior Solutions . 2

• Annuities

• IUL Life Insurance

• Real Estate

• Mutual Funds

• CDs

• Savings Accounts

• Stock market

Retirement Planning Options for Your Nest Egg

Planning vehicles used should match both your goals and your comfort level towards risk.

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An Annuity or IUL Life Insurance is part of the Base that can help protect your money.

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Retirement Planning Options for Your Nest Egg

• Where are your assets?

• Are they in alignment with your goals

and the level of risk you are willing

to accept?

• If not, should you change your goals

or change where your money is?

Even the best laid plans for a comfortable retirement can fail if the assets in your nest egg remain exposed to unnecessary value loss!

The Importance of Retirement Planning

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Taxes

Unsatisfactory returns

Market volatility

Long-term care

Creditors

An Annuity or IUL can help control the drain.

$

The types of assets you own should match your risk tolerance.

Risk Tolerance

51 10

$ $

Excess Savings

Earnings/Growth

Nest Egg

IUL

CDs

IRAsStocks

Annuities

MutualFunds

MoneyMarket

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What is an annuity or IUL Life Insurance?

An annuity is an insurance product designed to accumulate money, tax-deferred (under current tax laws)

- Often for retirement- Often provides a guaranteed income for life

An Index Universal Life is an insurance product designed to accumulate money, tax-deferred (under

current tax laws) - Often for a Tax-Free retirement- Often used for Long Term Care

What is an Annuity or IUL?

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• Principal is guaranteed and not subject to market volatility

• Will not affect Social Security

• Annuity Avoids probate in most cases IUL provides Tax-Free funds to the beneficiary

• May be given special protection from attachments of creditors, claims, lawsuits, bankruptcies, etc.

• An annuity and IUL are savings vehicles which offers benefits in two different ways– To grow or accumulate benefits– To payout or distribute benefits

Annuity – Benefits as a growth vehicle

• Deferred Annuities are used to accumulate money on either a tax qualified or non-qualified basis

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What is a Tax Deferred annuity?

• Provides Long-term tax-deferred growth

• Offers Competitive interest rates

• Like a CD, principal accumulates at interest

• Unlike a CD, interest accumulations are not taxed until withdrawal

• Provides a minimum interest rate guarantee

Another way of looking at it…

TAXABLE INVESTMENT DEFERRED ANNUITY

Year Beg. Yr Value Earnings Principle + Taxes Year-End EBIT Paid Value

1

5

10

20

30

$10,000

$11,681

$14,184

$20,915

$30,841

$550

$642

$780

$1,150

$1,696

$10,550

$12,323

$14,964

$22,065

$32,537

$154

$180

$218

$322

$475

$10,396

$12,143

$14,746

$21,743

$32,062

Beg. Yr. Earnings Year-End Value Value

$10,000

$12,388

$16,191

$27,656

$47,241

$550

$681

$891

$1,521

$2,598

$10,550

$13,070

$17,081

$29,178

$49,840Assumptions

(1) The Annuity and Taxable Accounts earn 5.5 percent a year

(2) The client is in the 28 percent tax bracket

(3) No money is withdrawn before age 59 1/2

(4) EBIT = Earnings Before Income Taxes

(5) If the entire $49,840 is withdrawn after 30 years, the after

tax value would equal $38,685 assuming 28% tax bracket

Over $17,778More!

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Because you’re not paying taxes while your money is growing, you’re able to get interest on the principal, interest on interest and interest on tax savings.

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Annuity and IUL – Payout or

Distribution Benefits

Annuities and IULs can be used to distribute funds to

benefit one’s self or others

• Utilize settlement options on an existing

deferred annuity

• Use a Single Premium Immediate Annuity to

immediately start receiving distribution benefits

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Annuity Distributions for Self

• Withdrawals

• Settlement Options

– Life Income: an income that cannot be outlived

– Period Certain: an income stream for a given

period of time

– Amount Certain: an income stream of a

given amount

An Annuity Lets You… Access Your Money!

Bank and investment accounts, CDs and other taxable alternatives can’t guarantee an income for life

Tax-deferred Annuity or a Single Premium Immediate Annuity (SPIA)

• Guarantees your monthly income – It will never go down

• The Lifetime Income Option guarantees you’ll receive monthly income for as long as you live

• If you’re concerned about the need for long-term care, an annuity can help make the funds available

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Annuity Distributions for Others

• Settlement Options while alive

– Joint Life Income: an income for a couple that

cannot be outlived by the survivor

– Period Certain: an income stream for a given

period of time

– Amount Certain: an income stream of a

given amount

• Settlement Options if deceased (if available)

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How would you like to pass on your assets? This Way?

Please note: This is a

simplified diagram of

the probate process

and is not intended to

represent all possible

situations that could

occur. This process

will also vary on a

state by state basis.

Contact your attorney

for details affecting the

process in your state.

DIAGRAM OF THE TYPICAL PROBATE PROCESS

Documents Filed:

Actions Taken:

Documents Filed:

Actions Taken:

Documents Filed:

Actions Taken:

File petition to start the Probate Process

Publish “Notice of Petition” requesting the start of the Probate Estate at

least 15 days prior to hearing

Mail Notice of Petition to heirs and others who may have claim to the estate and are entitled to receive

notice at least 15 days prior to hearing

Submit legal documents to Court for judge’s approval, appointing the

administrator of the estate

Court hearing for judge’s approval tobegin the Probate Process and

appoint the administrator of the estate4 months to 2 years depending on estate assets and time needed to resolve claims

Create inventory of the Probate Estate’s assets and establish

value; file with Court

Give notice to known creditors;accept or reject creditors’ claims

Pay all debts of the estate and filetax returns (IRS Form 706 is due

9 months after date of death)

File petition for distribution of estate assets

Court hearing-Judge signs Judgment of Final Distribution

Submit legal documents to Court for Final Distribution of assets

(no hearing required)

Mail notice to heirs and other partiesat least 15 days prior to hearing

Distribute assets to heirs, and file final income tax returns (if required)

4 to 6 weeks

4 to 6 weeks

…or by avoiding probate?

Beneficiary

Annuitiesor

Life Insurance*

*Please note: This is a simplified diagram of the probate process and is not intended to represent all possible situations that could occur. Contact your attorney for details affecting the process in your state.

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How would you like to pass on your assets?

*In most cases annuities and life insurance may avoid probate

There are lots of good reasons to consider a Nsurance Solutions Annuities

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A Nsurance Solution Annuity Can…• Provide steady growth for a more secure retirement

• Avoid exposure to probate costs

• Provide funding for nursing home costs and final expenses

• Defer taxes on your growth

• Guarantee a minimum interest rate

• Guarantee a monthly income

Nsurance Solutions has a Variety of Annuities to Fit Your Needs

• Single Premium Deferred Annuity

– Traditional Plan – Bonus Plan – Indexed Annuity

• Flexible Premium Deferred Annuity

• Single Premium Immediate Annuity

©2007 Property of Bankers Life and Casualty Company.18

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Plus one more your money can buy...

Why Choose the Nsurance Solution?

• Company’s with Solid reputation

• Company’s with over $9,000,000,000 in assets

• 90% of claims paid within 7 days

• $2 Million paid daily in claims

• Local Nsurance representatives and customer service

• We specialize in seniors.

Peace of MindHow much is it worth to you?

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We do not intend to give tax or legal advice. The

information above was written to support the sale

and marketing of insurance and annuity policies

offered by The Nsurance Solutions Group. Based on

your particular circumstances, you should seek

advice from an independent tax adviser. You cannot

rely upon or use the information above for the

purposes of avoiding any tax or tax penalty that may

be imposed by the Internal Revenue Service.

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You Have Spent a LifetimeAccumulating Assets

RETIREMENT INCOME Growth • Security Emergency

LONG-TERM CARE At Home • Nursing Home

FINAL EXPENSES/INCOME Burial • Taxes • Gifts

MEDICAL EXPENSES Medicare Supplement • Part D