2. All information contained in this presentation is intended for general education and information
use only and is not intended as a solicitation for buying or selling life insurance products.
The material in this presentation is not intended to give advice on tax planning, investments,
real estate, accounting, estate planning, or financial planning but rather to provide education
and information about a possible business opportunity with Freedom Equity Group.
As with any business opportunity the FEG Business Opportunity may take time, effort and
money which may or may not provide any financial returns.
Assumptions are made in several hypothetical examples to help explain concepts and are for
illustrative purposes only and should in no way be construed as any type of guarantee. Past
performance is also not a guarantee of future results
Opportunity Disclosure
3. WHAT YOU WILL SEE AND HEAR
• A concept that impacts people that you
can be passionate about !
• A smarter more complete way to save
money with higher income, more benefits
and TAX FREE!
• A Multi - Trillion dollar business that pays
billions to producers.
• How you can make up for lost time and
lost earnings.
4. HERE ARE THE PROBLEMS
PROBLEM #2
Most of our country's retirement wealth is in Banks, Precious
Metals (gold), Real Estate, or IRA/401k/403b (Qualified Plans). A
LARGE percentage of this money could be lost to Risk, Fees and
Taxes.
PROBLEM #3
Every year millions suffer from Heart Attack, Stroke or Cancer.
70% of these people will live and over half will go Bankrupt.
PROBLEM #1
44% of the adult population cannot meet their financial
obligations due to economic conditions.
• Benefits vary by Insurance Company, be sure to check with your agent as to specific riders and benefits availability in your state
• FEG does not provide tax or legal advice, please consult your advisors
5. FEG CRUSADE
Protect the American Family. Retire with Wealth
and Living Benefits Tax Free
FEG VISION
Create and Lead the Financial Services Industry
Revolution
IT’S ALL ABOUT FREEDOM
• Benefits vary by Insurance Company, be sure to check with your agent as to specific riders and benefits availability in your state
• FEG does not provide tax or legal advice, please consult your advisors
6. *44% of the adult
population cannot meet
their financial obligations
due to economic
conditions.
PROBLEM #1
- statista.com; Bureau of Labor Statistics - US Department of Labor
- thinkprogress.org
7. THE DECEPTION
OF THE
CORPORATE DREAM
Are you being paid what your worth?
• Our parents taught us, go to high school, then college,
so you can get a good job…right?
• Later in life we learn, we either have a JOB, helping
someone else achieve their dreams in life, or we go
into business for ourselves to PURSUE OUR OWN
DREAM.
• Does it appear that the rich are getting richer, and the
middle class is being squeezed out?
• What happens if you have a good job, and your
company doesn’t need you any more?
8. PEOPLE IN AMERICA NEED TO MAKE
MORE MONEY!
FEG will help change America’s future!
• Income is down $5,000 per family!
• There are 242 million adults (over the age of 18) in America!
• Of these, only 49% have full time employment and most of them don’t
like their job!
• That means, 51% of the Adult Americans with only a part-time job or no
job at all!
• 1 in 4 Americans make less than $10 an hour!
• Imagine supporting your family on just $14,500 a year. That’s what a
full-time, minimum-wage job pays. Wages come to less than $279 a
week—and that’s before taxes!
Citations:
- statista.com; Bureau of Labor Statistics - US Department of Labor
- thinkprogress.org
9. Hope and Opportunity
Most people dream of owning their
own business and controlling their
destiny. Yet, it never happens for
most people.
9
•Lack of capital
•Lack of experience
•Lack of leadership
•Lack of a marketable idea
•Loss of security
•Fear of failure
Here’s Why:
11. EXPERIENCED LEADERSHIP
Owners each have over 30
years in Financial Services
INCREDIBLE TRACK RECORD
One of the Largest IMO’s in America
Approaching $1 Billion Paid in
Commissions
TURN-KEY SYSTEM
Easy to follow INCOME BUILDING
SYSTEM: Proven, Predictable,
Duplicable
Bill St. Clair
President
Ron Petrinovich
CEO
Ron Bloomingkemper
Chairman
FREEDOM EQUITY GROUP
12. A DIFFERENT KIND OF COMPANY
Life Insurance…with Living Benefits
Life Insurance you don’t need to Die to Use!
Retirement Income Planning
A more efficient Tax Free Income Strategy!
Guaranteed Income …with Living Benefits
Turn your 401k/IRA into a Pension Type
Income Stream!
Turn Key Builder System
Proven, Profitable and Predictable…
You run the system and the system builds your
business!
13. Most of our country's retirement wealth is
in Banks, Precious Metals (gold), Real
Estate, or IRA/401(k)/403b (Qualified
Plans).
A LARGE percentage of this money could be
lost to Risk, Fees and Taxes.
The majority will outlive their Income!
PROBLEM #2
• Benefits vary by Insurance Company, be sure to check with your agent as to specific riders and benefits availability in your state
• FEG does not provide tax or legal advice, please consult your advisors
14. Most of our country's retirement savings are in
banks, precious metals, real estate, the stock market
and IRA/401k/403b. A LARGE percentage of that
money could be lost to Risk, Fees and Taxes.
Most consumers do not understand the
3 major factors that affect their
retirement account.
WHERE DO MOST PEOPLE SAVE FOR
RETIREMENT?
RISK, TAXES, FEES
• Benefits vary by Insurance Company, be sure to check with your agent as to specific riders and benefits availability in your state
• FEG does not provide tax or legal advice, please consult your advisors
15. “The ugly truth, is that the 401(k) is a LOUSY
PRODUCT, a FINANCIAL FLOP...”
October 19, 2009
HIGH FEES!
HIGH RISK!HIGH TAXES!
What if you had a way to legally
“OPT OUT” of the Tax System,
PAY LOWER FEES & NEVER,
EVER LOSE money again?
Gandel, S. (2009, October). Why It's Time to Retire the 401(k). Time.
16.
17. THE POWER OF A ZERO TAX BRACKET AT
RETIREMENT
“According to the Congressional Budget Office, if Social
Security, Medicare, and Medicaid go unchanged, the rate for
the lowest tax bracket would increase from;
10% would rise to 25%
25% would rise to 63%
34.9% would rise to 88%
David McKnight, author
THE POWER OF ZERO
18. THE FOUR PHASES OF RETIREMENT PLANNING
Qualified Plans
TAX-FREE ALTERNATIVE
Tax
Deductible
Tax
Deferred
Taxable @
Future Tax
Rate
Tax
Deferred
Taxable
to Estate
Not
Deductible
Tax
Free
Benefit
Tax
Free
to Estate
PAY TAXES NOW…on the SEED
or PAY HIGHER TAXES LATER…on the HARVEST?
24. PROBLEM #3
70% of people who were
diagnosed with a heart attack,
stroke or cancer did not die.
More than half go bankrupt in
the process.*
Many will not be able to go to work
*New England Journal of Medicine Volume 362, Page 2155. Harvard Medical School, Harvard Heart Letter, July 2011,
Surviving a Heart Attack: A success story. Center for Disease Control and Prevention National Center for Health
Statistics, Health, United States, 2010: with special feature on death and dying. American Cancer Society, Cancer Facts
& Figures 2011*
25. If you get sick and can’t go to work…
who will pay for this?
Worse Than Death: Critical Illness Money
Fears Less than 5% of all workers are covered
*www.cnbc.com/id/100907706/print
26. EVERY YEAR OVER 6 MILLION
AMERICANS SUFFER A HEART ATTACK,
STROKE, OR CANCER
• HEART ATTACK- 1,255,000 Americans suffer a
heart attack every year… 17,600,000 Americans
alive today have survived a Heart Attack!
• Stroke- Each year 795,000 people suffer a
stroke, many end up with permanent
disabilities.
• Cancer- 3.5 million new cases each year.
Average cost $146,000. Over 65% of expenses
are indirect & not covered by traditional
insurance. 11,714,000 people are currently
living with cancer. *
*American Cancer Society. Cancer Facts & Figures- 2005. American Heart Association.
“Heart Disease & stroke disease* 2007: American Cancer Society “Facts & Figures 2007”
27. THE PROBLEM: WHERE DO I PUT MY MONEY?
DIE TOO SOON, GET SICK, LIVE A LONG HEALTHY LIFE
$300 Retirement
Savings $300
Critical
Illness
$300
Chronic
Illness LTC
$300
Life Insurance
$300
*Benefits vary by Insurance Company, be sure to check with your agent as to specific riders and benefits available in your state.
Budget
29. A LIVING BENEFIT POLICY!
Protect Against:
Critical Illness
Heart Attack, Stroke, Cancer, Major Organ Transplant,
Blindness, End Stage Renal Failure and others.
Chronic Illness
Unable to perform 2 of the 6 daily living activities or
Cognitive Impaired.
Terminal Illness
Upon Terminal Diagnosis up to 2 years.
AT NO ADDITIONAL COST!
30. Two Products That Cover Many Financial Needs
First Product – Term Insurance
A SOLUTION FOR EVERY FAMILY
OLD TERM NEW TERM
Income Tax Free Death Benefit Income Tax Free Death Benefit
Die to get the money
No cost Critical, Chronic and
Terminal Illness Riders.
Up to 90% pay-out
No Living benefits.
You have to die to use it!
Living Benefits, you don’t have to
die to use!
31. THE BOTTOM LINE…ARE YOU COVERED?
• Benefits vary by Insurance Company, be sure to check with your agent as to specific riders and benefits availability in your state
• FEG does not provide tax or legal advice, please consult your advisors
Our first claim…WILL IT PAY OUT???
FEG: THE LIVING BENEFITS COMPANY
Johnny was 48 years old when he replaced his 20 year Term with a
new 20 year Term with Living Benefits. The new policy was LESS
EXPENSIVE than the old one.
5 months into the policy Johnny was diagnosed with Stage 4 Stomach
Cancer. He and his wife could not work… We Made A Difference!
32. THE BOTTOM LINE…ARE YOU COVERED?
• Benefits vary by Insurance Company, be sure to check with your agent as to specific riders and benefits availability in your state
• FEG does not provide tax or legal advice, please consult your advisors
Our FEG client….another claim
FEG: THE LIVING BENEFITS COMPANY
Bob was 59 years old when he exchanged his Permanent Policy
in for a new one with Living Benefits.
Bob worked out daily and developed a sore leg. It didn’t go
away.
Bob’s problem was diagnosed as ALS.
He received his check in less than one week. He quit his job
and traveled extensively.
One Hundred Eighty Nine Thousand Seven Hundred Eighty two and 64/100
33. THE BOTTOM LINE…ARE YOU COVERED?
• Benefits vary by Insurance Company, be sure to check with your agent as to specific riders and benefits availability in your state
• FEG does not provide tax or legal advice, please consult your advisors
DOZENS of claims in just a few short years
FEG: THE LIVING BENEFITS COMPANY
Greg bought an inexpensive Term policy. He was a healthy guy
that never got sick.
In September 2014 Greg had a physical with extensive blood
work… All ok
In November, Greg had his first colonoscopy and detected
Stage 3 Cancer.
One Hundred Ninety Eight Thousand Six Hundred Forty Three and 81/100
34. WHAT IF THERE WAS A PRODUCT
• That solves the financial issues of Critical, Chronic and
Terminal Illness!
In addition:
• That protected you and your family from market risk
without losing the upside potential!
• That provided liquidity without restrictions!
• Allowed access for College Education for your children!
ALL WHILE PROVIDING FOR A TAX FREE INCOME
THAT YOU CANNOT OUTLIVE!!!
35. INDEX UNIVERSAL LIFE INSURANCE
The Greatest Wealth Accumulation
Vehicle of our Time
THE NEW WORLD OF MONEY
What the Banks and Wealthy have been doing for Years
• Benefits vary by Insurance Company, be sure to check with your agent as to specific riders and benefits availability in your state
• FEG does not provide tax or legal advice, please consult your advisors
36. We GOT YOU COVERED if YOU…
Live too long, get sick or die too soon
The Swiss Army Knife of Finance,
INDEXED UNIVERSAL LIFE
LIFE INSURANCE YOU DON’T HAVE TO DIE TO USE!
37. MOST PEOPLE IN AMERICA WIND UP DEAD OR
DEAD BROKE. THERE HAS TO BE A BETTER WAY!
SCARY STATISTICS…On average, for every 100 Americans
reaching ages 65 to 69...
• 27 have died
• 19 have incomes of less than $7,000
• 50 have incomes between $7,000 and $45,000
• ONLY 4 have incomes of more than $45,000
Social Security Administration Publication No. 13-11871, July 2008
39. Our story begins with two brothers age 35, both are saving $300 a
month after tax, both earn 8% interest rate, for the same period of time.
Who made the right decision?
BROTHER “A”
Believes in “The Old Way”
Save for retirement in qualified accounts,
receive tax deduction and pay taxes later.
BROTHER “B”
Believes in “The New Way”
Save in an Indexed Universal Life (IUL) and
receive tax-free income later.
$ 0 contributions to 401(k) plus
$ 3,600 IUL post tax contribution
$ 0 annual premium
$ 500,000 Indexed Universal Life
A Tale of Two Brothers
$ 4,800 pre-tax cont. to 401(k) plus
$ 1,200 employer match
$ 560 annual premium
$ 500,000 30-year term
Total $6,560 annual contribution Total $3,600 annual contribution
• Benefits vary by Insurance Company, be sure to check with your agent as to specific riders and benefits availability in your state
• FEG does not provide tax or legal advice, please consult your advisors
40. It’s not how much you make, it’s how much you keep
BROTHER “A” BROTHER “B”
$ 366,195 cash value IUL
$ 500,000 IUL death benefit
$ 0 cumulative tax deductions
$ 366,195 total retirement savings
Results After 30 Years
$ 706,000 401(k)
$ 0 term insurance.
($12,000 annual premium to replace) Zero
Living benefits
$ 36,000 cumulative tax deductions
$ 706,000 total retirement savings
• Benefits vary by Insurance Company, be sure to check with your agent as to specific riders and benefits availability in your state
• FEG does not provide tax or legal advice, please consult your advisors
41. Which plan makes you feel more financially secure?
BROTHER “A” BROTHER “B”
$ 67,603 annual income – Life Time
$ 67,603 TAX-FREE loans
$ 0 tax
If Brother “B” dies at age 100…
he would have received $2,366,165 and
left his family $4,738,138 both free of
income tax!
Results During Retirement
$ 67,603 annual income
$ 90,137 withdrawal from 401(k)
$(22,534) tax (25%)
In 9 years, at age 74,
Brother “A”…
Runs out of money!
• Benefits vary by Insurance Company, be sure to check with your agent as to specific riders and benefits availability in your state
• FEG does not provide tax or legal advice, please consult your advisors
42. QUESTIONS FOR YOU
1.If you were Brother “A” would you want to be
Brother “B”?
2. If you knew someone who was Brother “A”
would THEY want to be Brother “B”?
Help 2 Families a month and
earn $28,800 per YEAR!
Help 1 Family a month and
earn $14,400 per YEAR!
44. BVP – 70% to 93% 8-31%
Bill
Mel
Pat
Sue
Tom
YOU NEVER LOSE YOUR PRODUCERS
PROFIT SHARING PROGRAM
Representative-Trainee 30-40%
District Manager-Trainee 50%
Vice President-Trainee 65%
48. IN ONE OF THE LARGEST INDUSTRIES IN THE
WORLD… FINANCIAL SERVICES
THIS IS YOUR CHANCE TO BE PART OF A REVOLUTION
$7.3 Trillion Dollar Industry
$470 Billion New Annual Premiums, (Life/Annuity)
$200+ Billion in Commissions Paid Annually
Over 2 million agents, average age 57
2.3 Million Employees
Millions of People Moving Trillions of Dollars
HOW BIG IS BIG?
FEG MAKES BIG BUSINESS
SIMPLE…
http://www.treasury.gov/initiatives/fio/reports-and-
notices/Documents/FIO%20Annual%20Report%202013.pdf
49. • Our SYSTEM is Proven, Predictable and
Duplicable for Decades
• NEVER talk to strangers, or go into a
stranger’s home
• NEVER make cold calls
• NEVER run out of qualified prospects
“THE FEG SYSTEM”
BECAUSE IT WORKS!
50. Mastering Motivation
A Chance to stand out in
the crowd… The Ring of a
$100K, $250K, $500K,
$1 Million Rings
WE RECOGNIZE YOUR EFFORTS
TRUE CHAMPION
52. 1. Client - Living Benefits and/or Tax Free Retirement
2. Associate - Part Time or paid Referral Associate
3. Builder - Full Time
WHERE DO YOU SEE
YOURSELF?
53. WHAT IS THE NEXT STEP?
THE NEXT STEP IS YOURS...
Set up a one on one meeting,
in the NEXT 24 – 48 hrs., to see if this is right for you.
“Live” or “Online”
• Get your questions answered…
• Learn about our training programs…
• How much time you can devote…
• Income potential…
Get back with the person who invited you to this
presentation and find out how to get started.
