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Field Training

Guide

Internal Use Only

1

*BEFORE SHARING SCREEN*

GET TO KNOW THEM, BUILD RAPPORT & TRUST: (About 5 minutes)

Family / Occupation / Recreation / Where they are from, etc.

*Your goal is to find something in common in order to build trust*

Also share a little about yourself as well

(TRANSITION INTO PRESENTATION:)

Mr/Mrs. Client, what has (trainee) told you about our firm or are you completely in the dark?...In the dark? (haha) no problem at all, we will lighten the room for you!

How does that sound?...fantastic.

So We do these trainings for 3 main reasons:

To gain support for (trainee) because this is a new career path
For (trainee) to learn how to best represent our firm, so please feel free to ask questions because the more you ask the better the training will be
If you happen to come across anyone who would value this information, you’ll know what (trainee) specializes in and will feel confident referring people later on down the road

So, what I’ll do, is give you more information about who we are, what we do, and we can be done in about 20 minutes or so, sound good?

*START SHARING SCREEN NOW*

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Our Credibility

Internal Use Only

Founders with 100+ years of combined experience

In Partnership With 25+ A-rated, Fortune 500 financial institutions

Industry Leading Persistency �Leading the industry in client retention

Licensed In all 50 States, Puerto Rico, Canada, The Virgin Islands & 30+ Countries

In Partnership with Ethos, a technology platform backed by some of the largest venture capitalist firms in the world, like Sequoia Capital and SoftBank, who are worth a combined $185B.

Internal Use Only

2

(CREDIBILITY)

Our company is Global Financial Impact and our goal is to inspire families to dream again.

We’re in partnership with ETHOS. ETHOS is ranked by Forbes as the #1 life insurance company in the United States for 2024.

•ETHOS is backed by Sequoia Capital & Soft Bank, who are some of the largest (if not the largest) venture capitalist companies in the world

We are in partnership with over 25 A-Rated Fortune 500 Financial Institutions.

We are leading the industry in persistency and what that means is when we help a client, they stay on the books with us long term. And can we both agree from an integrity standpoint, that’s very important?

We are licensed in all 50 states, Puerto Rico, Canada, the Virgin Islands & 33 Countries

& Our mission is to help 100 Million families by 2030, which is why i fell in love with the firm and am so passionate because that means that I am able to help families like mine….

*Insert 2 minute personal story on why you believe in financial literacy*

And one of the reasons we are able to sit down and help a wide variety of families is because we are what you would call a non captive company, by any chance do you know the difference between captive and non captive?

(STRENGTH IN SELECTION)

-A captive company only offers their own products

-As a non captive company, we work with 75% of all the multi billion-dollar fortune 500 financial institutions in North America

-Because we can do pretty much anything when it comes to money, we sit down with a family, provide education, find out their goals, then become their broker and go find the company and or companies that specialize in exactly what they are looking for, does this make sense?

-Not only that, everything we do for a family is complementary. We don’t charge the family, we actually charge the company for bringing them a client they wouldn’t have without us, creating a win-win-win scenario

Win for the client because they now have 24/7 access to a team of financial specialists that can help them with anything when it comes to money. Not only now, but over the years to come
It’s a win for the company because they gained a client that they wouldn’t have without us
And it’s a win for the agent because they are able to sit down with families having no agenda and feel amazing about what they do.

Does this make sense?...excellent

(TRANSITION):

So even though we offer a variety of different products and services one thing that we are big on is taking an educational approach.

So we like to teach our clients the 3 rules of money, by any chance have you ever heard of the 3 rules of money?

*NEXT SLIDE*

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3 Rules of Money

The Rule 72 is a mathematical concept that approximates the number of years it will 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. Additionally, there are no guarantees that any investment or savings program can outpace inflation. All figures are for illustrative purposes only and do not reflect an actual investment in any product. These graphs depict hypothetical scenarios and are not necessarily representative of how these investment types perform. Tax and/or legal advice is not offered by Global Financial Impact, LLC, its affiliated companies nor its independent associates. Please consult with your personal tax professional or legal advisor for further guidance on tax or legal matters.

Internal Use Only

Before we dive into the financial education, where would you rate yourself on a scale of 1-10 for your general financial knowledge?

Okay, so our goal is for this information to bring some value and potentially bump that number up a little higher, does that sound good?.. awesome!

(RULE OF 72)

So the first rule is the rule of 72. Have you ever heard of the rule of 72?... No problem,

Albert Einstein actually considered it to be the 8th wonder of the world and so to give you an idea of how this works, if you take the number 72, and you divide it by the interest that you are earning on your money, thats how long it will take for your money to double

So let's say you're 29 years old and you invest $10,000 into an account that earns 1% interest. 72 divided 1 = 72 which means it will take you 72 years to double your money. Do you have 72 years to wait for your money to double?...me neither!

At 4% your money would double every 18 years, at 6% your money would double every 12 years, and at 12% your money would double every 6 years, getting you to almost $1.3 Million by the age of 71

So when somebody tells me they're saving money, that’s a great thing! But I always ask the question, where? Because if I'm saving $200 in an account that's giving me 4% interest and you're saving $200 in an account that's giving you 12% interest, obviously the 12% interest is going to be better for someone's family, correct?

So for us, our goal is always to get families the highest rate of return possible because of how big of a difference it will make in their life. So in order to get a high rate of return we need to contribute our money into the right account which leads me to the 2nd rule of money which is “How Money Grows”

(HOW MONEY GROWS)

The 1st way for your money to grow is a strategy called fixed, which is considered to be safe and guaranteed. This is like your bank account and when was the last time you saw your bank account grow, without you putting money into it?... Exactly.

So it’s great for emergency funds or accessibility, but can we both agree it’s probably not the best account when it comes to trying to accumulate wealth?... Of course not!

2^nd option is variable which is like a 401k, IRA, TSP, or other retirement accounts, typically found through work…

In a variable account you can make a lot of money, but you also run the risk of, what?….. Losing a lot of money

And when it comes to your life savings, would you rather have no guarantees or guarantees on your money?...Guarantees, right?

So Unfortunately, when you have your money in these variable accounts, you don’t even know what your account balance will be tomorrow, do you?...

So if you don’t know what you will have in your account tomorrow, can you properly plan for your future 10 to 20 years from now?...Of course not,

so that’s like crossing your fingers and hoping one day to have enough, and that doesn’t sound like the greatest way to plan for your financial future, does it?... Of course not

So is variable bad? No, if you can afford to diversify I would recommend it. but if you are looking for certainty when it comes to your retirement, unfortunately you won’t be able to get that in a variable account

3^rd option is a strategy that the wealthy love, which is called indexed growth

Indexed growth gives you the ability to participate on the upside of the market, but if the market crashes you are guaranteed not to lose any principle. So if the market does 8%, then you will earn 8% on your money, but if the market does -8%, your account locks in and you don’t lose a penny.

It is actually public record that this is where banks and 68% of the top 1,000 largest companies in America store and invest their assets. The FDIC (Federal Deposit Insurance Corporation) considers this a tier 1 capital, making it the safest place to have your money

Like I said, if you can afford to diversify your portfolio, we definitely recommend it. However, if a family could only choose 1, which option sounds like the safest way to grow your money?...Indexed?...I would agree!

(HOW MONEY IS TAXED)

So there are 3 different ways for you to pay taxes and as a company we offer all 3….

1^st option is called “TAX NOW” which basically means you are going to pay taxes twice. When you get a paycheck you'll pay taxes, and then after the money is invested you will pay taxes on the growth of that money

So the question I have for you, is how much did you like paying taxes the first time?...

Exactly, so let’s move on

The 2^nd option is a strategy called “tax later” or most know this as tax deferred, which is normally found through work.

This means you aren’t going to pay taxes now, you will pay taxes later when you go to retire. Which sounds great to people because that means they get to avoid paying taxes upfront. But there are a couple of questions we need to ask ourselves…

We don’t get to choose how much we pay in taxes, do we?... Nope
and do we think taxes are going down, or can we both agree they are probably going to go up?... Go up, right?

So basically what they are telling families to do, is go work as hard as you can for your money, take your life savings and put it into your 401k (or what they have).

You take on all the risk and liability. Then when you go to retire, the IRS gets to decide how much of your life savings they get to steal out of your account.

This doesn’t sound like the greatest way to pay taxes on your money, does it?...

The 3^rd option is a solution that the wealthy have been using for over 100 years which is called tax advantaged

This allows you to grow your money tax free and also withdraw all of the money 100% income tax free

The way this is possible is because when you get paid you have already paid taxes on that money, correct?... Which means you paid your fair share.

So as long as you use the right tax codes and investment strategies, you can actually grow all of your money tax free and withdraw it, once again, 100% tax free

So like I said as a company we offer all 3 and there is a time and place for all of them, but when it comes to your taxes, do you think it would be smarter to pay taxes on the same dollar twice, wait until later, or take the advantage?... advantage, I agree.

*NEXT SLIDE*

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8 Wealth Building Categories

Internal Use Only

	BANK	401(K), IRA, TSP	ROTH IRA	FIA	IUL
Tax Exempt Benefits	-	-		-
Growth Potential	-
No Risk Of Losing		-	-
Protection (Insured)	-	-	-
Access (Liquidity)		-	-	-
Legacy For Family	-	-	-
Probate Avoidance	-	-	-
Living Benefits	-	-	-	-

We surveyed millionaires and billionaires and asked them “when it comes to building and protecting your net worth, what are your non-negotiables” these were the top 8 wealth building categories:

Tax exempt benefits - no surprise, the wealthy master paying taxes on the 10 cents and keep the rest

Growth potential - everyone wants their money working for them

No risk of losing - Warren Buffet has 2 rules, Rule # 1 never lose money Rule #2 never forget rule #1, cheesy maybe (hahaha) But he is one of the wealthiest individuals in the world

Protection

Access/Liquidity - being able to access your funds without a fee or penalty

Legacy for Family - many say they want to leave a legacy, very few are clear on how to actually do it

Probate Avoidance - what the wealthy know is that without a trust/will estate in place, the state will dictate where your assets go, including your children

And Living Benefits - in the event of a critical, chronic or terminal illness like heart attack, cancer, not being able to dress or bath, the wealthy rather have access to hundreds or thousands of dollars to cover their living expenses

Across the top you’ll see the bank, 401k, IRA, TSP, Roth IRA, Fixed Indexed Annuity, Index Universal Life and with the check marks you see which benefit is offered with which account.

Now I know these were the top 8 for the wealthy, Mr/Mrs Client which 3 would you say are your non-negotiables when building and protecting wealth?

(Let them answer! If they’re not sure, another great question I ask is “what surprises you most on this chart?”)

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Client Service Menu

Internal Use Only

We Are Here To Provide Value And Make An Impact

Tax-Advantaged

Wealth Accumulation Strategies

Asset Protection & Qualified Plan Rollovers

College�Education Funds

Debt Management�And Consolidation

Infinite Banking And

Family Banks

Life Insurance , Living Benefits, & Final Expense

Estate And

Legacy Planning

Indexed Growth

Roth IRA, SEP IRA, Traditional IRA

Mortgage Protection Term

Business Owner Strategies

Tax and/or legal advice is not offered by Global Financial Impact, LLC, its affiliated companies nor its independent associates. Please consult with your personal tax professional or legal advisor for further guidance on tax or legal matters.

So in closing like mentioned before, there are many different products and services that we offer in order to provide value and peace of mind to the families we sit down with

First, is the Tax Advantage Wealth, like everything we just talked about, we want to grow our money tax free so we don’t end up giving away hundreds of thousands of dollars when we retire

Second is Asset Protection, there is a difference in investment vs retirement account. Investments fluctuate based on economy, people, and things. Whereas retirement is meant to be guaranteed. Asset protections makes sure you don't lose the money you need for retirement.

Third is College Fund, this is obviously just setting up our kids for college so they can use these assets in the future. We can probably both agree we always want to leave them better than we had it.

Fourth, is Debt Management so this is just making sure that the rule of 72 is working more for you than against you.

Fifth is Infinite Banking, now personally this is my favorite because this shows you how families like the Rockefellers were able to create generational wealth by leveraging assets to allow them to be billionaires for 11 generations.

Sixth is Insurance and Living Benefits, just to make sure clients have the right proper protection, that they could access their money if they have an illness.

Seven is Estate and Legacy Planning, so this is getting them set up with the best wills, trusts, and estates that way all this wealth we help people build gets passed on properly.

Eight is Index Growth, protecting our retirement accounts to never stop the flow of compound interest.

Nine, is Mortgage Protection term

& Ten is Business Owner Strategies, this is for those who are business owners and are wanting to set up group retirement funds to help their employees as well as their taxable liabilities.

Are there 2 that stand out most to you or that you’ve heard other people talk about?...(and why did those stand out to you most?)

*briefly connect with their answer*

(TRANSITION: STOP SHARING SCREEN):

As we wrap things up, I want to thank you so much for supporting TRAINEE today for his/her training!

I would love some feedback from you on what stuck out to you the most.. was it how money gets taxed…. or our mission of inspiring families to dream again? What really stuck out?...

Are there any last minute questions you have?...

Would you say that we were able to provide you some value today?... You rated a (*) out of ten, would you say that number jumped up a bit?...

If you don’t have any more questions, if it’s cool with you, I actually have some questions for you.. awesome…

*NEXT SLIDE*

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Apples To Apples Comparison

Apples to Apples (Slide 1)

So this is a comparison of the IUL Vs 401k(or whatever they have) which is what most people have been contributing to, and just know that the IUL numbers that you do see here are very conservative because our software is programmed to under promising so we can over deliver

Age 31:

So as you can see in the 401k, you are contributing $15,000 per year, while in your IUL you are contributing $12,000 a year. The reason is because in a 401k you will pay taxes long term, while in an IUL, we are using after taxed dollars in order to insure a tax free retirement solution

I also want to point out that in your 401k you are only paying $398 in fees the first year, while in an IUL you are paying a little over $2,000 in fees. So based off this, the 401k is obviously looking better right? Of course

But what if I told you that

A) over time, your 401k would actually cost you way more in fees, which I’ll show you here in just a second

B) the only reason you are paying a little bit more in fees up front in your IUL, is because if you died today, your family would receive a tax free check for over $510,000 to support them through the worst time of their life... while in a 401k, they would only get $12,000. That’s powerful isn’t it?

And C) because if you got diagnosed with a critical, chronic, or terminal illness, which over 76% of Americans will experience, you could access up to 90% of this $510,000 to support your family through once again, one of the hardest times of their life.

So knowing all of this, Can we both agree, that paying a little more in fees upfront would be worth the peace of mind long term? Of course

And Just curious, do you happen to know anyone that’s ever been diagnosed with an illness and or passed away, and because of it their family struggled financially? Yes? And would you ever want that to happen to your family? Of course not… and this keeps that from happening. isn't that incredible?

*NEXT SLIDE*

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Apples To Apples Comparison

Apples to Apples (Slide 2)

So now we get to the age of 65 years old. And at 65 years old, you contributed a total of $525,000 into your 401k, versus $420k into your IUL.

In your 401k you owe $213,000 in taxes, and in an IUL you owe $0 in taxes.

In your 401k, You have paid about $400,000 in management fees, while in an IUL you only paid $55,000 in fees.

Your 401k account balance would be a little over $1,000,000, while in an IUL, you would have over $1,300,000 TAX FREE.

And if god forbid you passed away at age 65. In a 401k you would leave behind about $850k, while in your IUL you leave behind over $1.8m tax free.

so I am not finished explaining everything just yet, but based off what we have covered, what sounds better to you, the 401k or the IUL? Obviously the IUL

*NEXT SLIDE*

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Apples To Apples Comparison

Apples to Apples (Slide 3)

Age 66

So now at age 66 we start taking income, and in your 401k you would have to take out $148k a year, to have a net income of $119k

while in a IUL because it’s tax free, all you have to do is take out $119k to generate the same result.

But in a 401k because it’s taxable income, you are now in a $148k tax bracket which will affect your social security. While in an IUL it’s 100% tax free, which means you are in a 0% tax bracket. So would you rather earn earn $119k a year and be at the highest tax bracket, or make $119k a year, be at a 0% tax bracket, and maximize your social security?

But it’s not just about how much we make, but how long our income lasts. So as I drag the age dial I want you to pay attention to how long your income would last in a 401k versus in an IUL.

*NEXT SLIDE*

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Apples To Apples Comparison

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Apples to Apples (Slide 4)

So as you can see at the age 75 years old, you officially ran out of money in your 401k... And at 75, would you rather be submitting Resumes? Or planning your next vacation with family? obviously your next vacation? but unfortunately most people will be submitting resumes because of a lack of education.

so as I drag the age dial, as you can see, your IUL income is set to last until age 90. but keep in mind I can structure this to last as long as you want.

So CLIENT, would you rather run out of money at age 75, or have a tax free income all the way until age 90? Age 90 right?

and what's crazy about this, is that even at age 90, you still have almost $360,000 to pass on as tax free legacy money to your family...

So in an IUL you contributed a total of $420,000, and took out over $3.3M tax free. And so if you wrote us a check for $420k, and we wrote you back a check for $3.3m tax free, would that be a no brainer for you and your family? Of course (HAHA)

So do you happen to have any questions, or does everything make sense to you? Amazing

so one of the things we can actually do is design an entire plan for you if you would like, but we can talk about that later no problem…

*GO TO NEXT SLIDE*

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For Agent Visual Only

5 Magic Questions

What age would you like to retire?
How much money would you need to have saved up in order to retire? (They typically won’t know which shows how much they need you)
What would you need as a monthly income in order to be able to retire?

Let's do the math real quick to figure out how much you’d need saved total based on that monthly amount
For example, let’s say you live up to age of 90.
So $__each month X 12, for the whole year you’ll need $___. I'm going to multiply that $__ by the amount of years you’ll be retired___.
That's a total of ___million dollars.

Let’s say you were at a place where you get $/month in retirement, what would your retirement look like for you?
With what you currently have in place or have saved now, would you say you are on track to hitting that goal?

Final Question

If we could create a plan that would help you confidently retire at age ___ with $___ saved and a monthly income of $____, and we didn’t charge you a single penny to do so, is that something you would allow us to look into for you?

THEY SAY YES:

Amazing, Would it be okay if I ask you a couple of more questions? (gather basic information like DOB / Current accounts)

Internal Use Only

*GO THROUGH CLOZING QUESTIONS (ABOVE) FIRST*

So what We will do is consult with our team and do some research on possible options for you, & based off the information you just gave me, I am extremely confident that we can help you achieve your financial goals.

Typically, what we we like to do is get back together within a day or so to keep the information fresh in your mind.

so Which day works better for you, tomorrow or the next day?

Okay great, does morning, afternoon or evening work best for you?
Perfect, I have X, X, or X available

Book into calendly:

So I just emailed you our next get together and in that email is a link for a quick video that I would love for you to watch before we get together next. It will give you even more education and then right after the video it will give you the ability to complete what we call a financial snapshot. If you could please watch that and complete that either tonight or latest tomorrow morning that would be great because without that it makes it difficult for us to do what we do best, which is prepare a financial plan that will help you achieve the goals that you have for your life.

So do I have your commitment to get that done? AMAZING, I know for a fact you will be excited about what we put together…

well thank you so much for taking the time to support _______, I know it means the world to them, and I’m just so glad you saw value in everything as well……

*End with something fun that was discussed in the beginning of the convo or ask if they have any fun plans for the weekend or in the next few days*

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Historical Performance of the S&P 500

EXAMPLE

Example of a client saving $500/month

Internal Use Only

The performance of investments fluctuates over time. There are no guarantees that any investment or savings program can outpace inflation. All figures are for illustrative purposes only and do not reflect an actual investment in any product. These graphs depict hypothetical scenarios and are not necessarily representative of how these investment types perform. Tax and/or legal advice is not offered by Global Financial Impact, LLC, its affiliated companies nor its independent associates. Please consult with your personal tax professional or legal advisor for further guidance on tax or legal matters.

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Historical Performance of the S&P 500

EXAMPLE

Example of a client saving $2,500/month

Internal Use Only

The performance of investments fluctuates over time. There are no guarantees that any investment or savings program can outpace inflation. All figures are for illustrative purposes only and do not reflect an actual investment in any product. These graphs depict hypothetical scenarios and are not necessarily representative of how these investment types perform. Tax and/or legal advice is not offered by Global Financial Impact, LLC, its affiliated companies nor its independent associates. Please consult with your personal tax professional or legal advisor for further guidance on tax or legal matters.

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Average VS Actual R.O.R

$100,000 Example

VARIABLE

INDEXED

10%CAP

$50,000

$75,000

$37,500

$56,250

$100,000

$110,000

$121,000

-50%

+50%

-50%

+50%

0%

10% GAIN

0%

10% GAIN

AVERAGE

ACTUAL

0%

-$43,750

5%

+$21,000

This is a hypothetical example for educational purposes only.

Internal Use Only

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Putting A GRIPP�on Investments

Internal Use Only

Fixed Indexed Annuity

VARIABLE

Unprotected

INDEXED

Protected

G

R

I

P

GUARANTEES

RATE OF RETURN

INDEXED GROWTH

PENSION-LIKE INCOME

POTENTIAL BONUSES

50 YEARS OLD - $200,000
51 YEARS OLD - $220,000
58 YEARS OLD - $440,000
65 YEARS OLD - $880,000
72 YEARS OLD - $1,760,000

RULE OF 72: 72 ÷ 10 = 7.2

No Taxes

No Penalties

No Fees

401k, IRA, Roth IRA, 403B, 457, Stocks, etc.

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Fixed

Low Returns

Savings Accounts, High Yield Savings, CD’s, etc.

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	Brokerage Account	529 Plan	Million Dollar Baby IUL
After Tax Contribution	-	-
Tax Deferred Growth	-
Tax Free Distribution	-	-	-
Growth Potential	-	-	-
No Market Risk	-	-	-
Tax Free Liquidity	-	-	-
Freedom of Use	-	-	-
Insurance Benefits	-	-	-
Does Not Affect Financial Aid	-

Child-Saving Options

Million Dollar Baby IUL

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Good Debt VS Bad Debt

Good Debt

Bad Debt

Good Debt helps you generate income and is an investment that will grow in value or generate long-term cash flow

Example:

Property Investment (Mortgage)

Business Loans

Bad Debt is acquired by purchasing things that don’t appreciate in value or produce long-term income

Example:

Credit Card Debt

Car Loans

Personal Loans

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The Avalanche Method

Step 1

Step 2

Step 3

Pay minimum payments to all debts

Allocate all additional cash towards the debt with the highest interest rate

Pay that off, move to the next highest interest rate

The Process

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F.D.I.C

Infinite Banking

IUL / Family Bank

Taxes

Your money is insured up�to $250,000

$1 - $24

$1 - $100

Tax Free

$10 - $1

$3 - $1

RE-INS

No Risk

Internal Use Only

Floor: 0%

Cap: 15%

1913

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Here’s you*click*. So where do you (and everyone you know) put your money after getting paid? The bank! *click*

When you give your money to the bank, they’ll give you 0-1% interest on your money. However, on the growth of that money, you still have to pay taxes. *click*

Now, why do people like the bank?...because it’s safe…*click*...The bank is backed by the FDIC, which is the Federal Deposit Insurance Corporation. They’ll insure your money up to a quarter million dollars.

What most people don’t know is that for every $1 we give the bank…*click*... they can legally turn around and lend out $24. Back in 2008, when the economy crashed…*click* for every $1 we gave them they were lending out $100! Can you believe that!?

So guess what happened...the market crashed, everyone came running to pull their money out and the banks didn’t have it! We had over 500 banks go bankrupt! It was a huge mess, we had all the government bailouts...it was bad.

But here’s the thing...the banks will gamble with our money all day long, but they are MUCH smarter with what they do with their own money…*click*...Banks put as much of their money as humanly possible into life insurance companies. Why do they do this? The FDIC considers this TIer 1 capital which is the safest capital a bank can have. They also get 8-15% of a return…*click*...it’s 100% tax free…*click*...and there’s no risk. How is there no risk?

Because these accounts grow indexed…*click*...meaning that anything between 0 and 15% they get to keep.

The banks also know that these insurance companies have to play by a different set of rules…*click*... Meaning that for every $1 they have in liabilities, they have to have 10 times that in assets! …*click*... If that ratio ever drops below 3-1…*click*...there’s something called re-insurance corporations that come in and cover them until they get back to where they need to be. This is why we’ve NEVER seen a SINGLE life insurance company go out of business in the history of our country. Make sense?

How long do you think the banks have been doing this with our money? *Click* SINCE 1913!

Most people ask me “Well if this has been around so long why haven’t I heard of this before?” Most people have never met with a licensed financial professional before. So it’s not that it doesn’t exist, we just don’t know about it.

Plus, if the banks are making 8-15% on YOUR money and only giving you 1% in return, do you REALLY think they’re gonna tell you about this? Of course not!

Obviously we still need to have a checking and savings, but when it comes to investing…*click*...we show families how to skip the banks…*click*...and go straight to where the banks are investing our money

So the question is - would you rather the banks make money on your money...or would YOU rather make money on your money…?

So all we do is teach families how to do what the banks are ALREADY doing with our money, creating your own family bank.

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3-in-1 Solution

IUL / Family Bank

P

E

RC

S

PROTECTION

EMERGENCY FUNDS

RETIREMENT

COLLEGE FUNDS

SAVINGS

1913 IRC 7702 (a)

IRC 162 - Tax Deductible

IRC 7702 (b) - Long Term Care

IRC 72 (e) TEFRA - Tax Free Growth

IRC 7702 DEFRA - Tax Free Withdrawals

IRC 101 (a) TAMRA - Tax Free Beneficiary Death Benefit

IUL

Family Bank Strategy

(Wealth Accumulation)

Tax-Free �Life Insurance

Living �Benefits

7 PROTECTIONS:

1. Family

2. Health

3. Business or Home

4. Market Losses

5. IRS

6. Inflation

7. Creditors/Predators

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Infinite Bank

IUL / Family Bank

1. Policy Holder

2. Insurance Company

3. Cash Value

(8% - 15% Average Return)

PREMIUM CONTRIBUTION

% OF PREMIUM

Policyholders can take out a tax-free loan against the policy at a minimal interest rate.

The Loan Amount in which you can borrow will be determined by the amount of cash value within the account.

This money can be used for anything and does not have to be paid back because your cash value and death benefit are used as collateral.

If the loan amount is used for other investment opportunities, then you could potentially earn interest on the same dollar 2-3 times at once.

Policy Holder Can Take A Tax Free Loan Against The Policy

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Family Bank

Individual Owns Life Insurance Policy.

After Death, The Life Insurance Policy Pays Out Tax-Free To Beneficiaries

An individual becomes insured by a life insurance policy that is owned and funded by the family trust. The trust is also the beneficiary, so if the insured dies, the Tax-Free death benefit then pays back out to the trust, which then once again gets funded into a life insurance policy for wealth accumulation. This cycle continues to repeat itself

Individual

Family�Trust

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Term Life Insurance With Living Benefits

Internal Use Only

Term Life Insurance W/ Living Benefits

Traditional life insurance only pays out when you die. Living Benefits allow the death benefit money to be accessed while you’re alive!

Critical

Heart Attack

Stroke

Major Organ Transplant

End Stage Renal Failure

Paralysis

Invasive Cancer

Blindness

Amyotrophic Lateral Sclerosis (ALS)

Chronic

Bathing

Dressing

Eating

Toileting

Continence

Transferring to/from Bed�or Wheelchair

Terminal

Any illness where you have 24 months or less to live

AAS

Accelerated Access Solution:

$250,000 Policy

2% Fixed:

$5,000 Per Month For 4 Years, & 2 Months

4% Fixed:

$10,000 Per Month For 2 Years, & 1 Month

What do you have in place that gives you access to hundreds of thousands of dollars while you’re alive in case you get a critical, chronic, or terminal illness?

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DIME Method

Proper Protection

D

I

M

E

DEBT:

INCOME x 10:

MORTALITY:

EDUCATION:

Home, Car Loans, Credit Cards, Student Debt, Etc.

Annual Income x 10 Years

How much is estimated to cover funeral

≈$250,000 for each Child they Have

Total =

Insurable Need

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ETHOS

ETHOS offers a FREE Will & Trust with every Term Life Insurance Policy or IUL Policy

Trusts, Wills, Legacy Planning

Tax and/or legal advice is not offered by Global Financial Impact, LLC, its affiliated companies nor its independent associates. Please consult with your personal tax professional or legal advisor for further guidance on tax or legal matters.

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Executive Bonus Plan: Section 162

Business Write Off

Vesting Period

Employee Benefits

The business pays a single or double bonus.
Business writes off entire bonus amount

The business establishes a vesting period
Incentivizes the employee to stick around

Tax-Free Bonus (if double bonus)
Tax-Free Growth
Indexed Growth
Liquid Access (after vesting period)
Tax-Free Distributions

Tax and/or legal advice is not offered by Global Financial Impact, LLC, its affiliated companies nor its independent associates. Please consult with your personal tax professional or legal advisor for further guidance on tax or legal matters.

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What is Final Expense?

Final Expense

What is Final Expense?

Final expense insurance is a whole-life policy that pays out shortly after a loved one passes away. The payout amount can vary but is typically enough money to cover funeral expenses and remaining medical bills.

Internal Use Only

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For Agent Visual Only

5 Magic Questions

What age would you like to retire?

How much money would you need to have saved up in order to retire? (They typically won’t know which shows how much they need you)

What would you need as a monthly income in order to be able to retire?

Let's do the math real quick to figure out how much you’d need saved total based on that monthly amount
For example, let’s say you live up to age of 90.
So $__each month X 12, for the whole year you’ll need $___. I'm going to multiply that $__ by the amount of years you’ll be retired___.
That's a total of ___million dollars.

Let’s say you were at a place where you get $/month in retirement, what would your retirement look like for you?

With what you currently have in place or have saved now, are you on track to hitting that goal?

Final Question

If we could create a plan for you to confidently retire at age ___ with $___ saved and a monthly income of $____, would you be interested in exploring that option?

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For more information

Visit our website at www.globalfinancialimpact.com

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