2. During Your Lifetime You’ll Earn a Fortune! $2,000 $4,000 $6,000 $8,000 $10,000 10 240,000 480,000 720,000 960,000 1,200,000 15 360,000 720,000 1,080,000 1,440,000 1,800,000 20 480,000 960,000 1,440,000 1,920,000 2,400,000 25 600,000 1,200,000 1,800,000 2,400,000 3,000,000 30 720,000 1,440,000 2,160,000 2,880,000 3,600,000 35 840,000 1,680,000 2,520,000 3,360,000 4,200,000 AVERAGE MONTHLY INCOME YEARS TO RETIRE 2
3.
4.
5.
6. Human Life Value Curve Your Human Life Value is your future financial potential over your lifetime. It is at its peak when you are at your optimal education level for your career. 8 Life Human Value
7. Financial Exponential Curve You only have one Financial Exponential Curve in your lifetime! 9 Accumulation Growth Take-off!
8. Education Years Earning Years Exponential Years Financial Life Curves 10 Life Human Value Exponential Curve Accumulation Growth
9. Education Years Earning Years (No Exponential Years) Delayed Exponential Curve 11 Life Human Value Accumulation Growth
10. The Advantage of Tax-Deferral* $83,572 $41,274 $15,592 10 20 30 40 YEARS $100 per month deposited at 5.00% before tax Compound interest for 40 years equals $153,237 * Assumes a 25% tax bracket $898 $4,319 $11,893 $26,309 TAX DUE 15 Figures quoted are for illustrative purposes only and are not indicative of a specific result that may be obtained on any particular product. They do not include consideration of the time value of money, inflation, and fluctuation in principal.
11.
12.
13.
14. The Obstacles * According to the 1985 Society of Actuaries 19 Age: 25 30 35 40 45 50 55 Probability : 44% 42% 31% 39% 36% 33% 27% The odds* of a person having at least one long term disability that lasts three months or longer before that person reaches age 65: The table above* shows how many people have recovered, died or remained disabled for five years after a disability’s onset. Age @ onset of Disability : 25 35 45 55 Recovered : 44.1% 34.0% 21.5% 11.8% Died : 9.7% 12.3% 19.9% 28.5% Still Disabled : 46.2% 53.7% 58.6% 59.7%
15.
16.
17.
18.
19.
Notas do Editor
When we spoke previously, (prospects name), I mentioned some concepts that have been of benefit to people like yourself. These ideas have to do with accumulating wealth and becoming financially independent. How do you feel about becoming financially independent? (wait for a response from the prospect). Would being financially independent be a priority for you? I found that using a few visuals I can present a clearer picture of these concepts and ideas.