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We have two primary financial problems:
DYING TOO SOON…
OR LIVING TOO LONG…
………..FINANCIALLY
.
Our Solution: Split Funding
The Plan of the future TODAY!
Example: $750,000 face amount to age 70, with a separate FIA .
The Prime Earning Years
Young children
Debt
Mortgage
Not as much savings as should
have…
Loss of income would be
devastating!
The Later Years
Children are grown
Lower or no debt
Mortgage reduced/paid
Retirement income needed
Age 50
$750,000 Face Amount to age 70 (PNT)
Guaranteed level death benefit, level Premium, renewable without evidence of insurability to 95- $141 a month!!! (converting to either annual renewable or decreasing term at the end of term if not otherwise acted upon )
Reposition your money to make it work harder for you! For example, if you have $150,000 net assets thus far, compounding at an average of 7%... … and continue to fully fund yours and your spouses SEP IRAs or ROTH IRAs, in 20 yrs your net worth is $1,229,502! ( $1.9MILLION in 25 years! ), not including your home equity!!!
How much life insurance do you need if you already have a million plus???
What would be better for your family if you died prematurely?
$125,000 of Whole Life, $200,000 of Universal Life, or $750,000 of Term???
( For the same $140/mo.)
Buy a guaranteed renewable, convertible 20 yr. level
term and max out your SEP IRA’s or ROTH’s!
***Age 70
Independent Financial& Advisory Services
“Build, Protect, and Preserve A Legacy”
Age 50
Logan Hunter Group / Wealth Plus Financial
*** Life Settlement at age 70 yields $52,500 in cash buyout to policy owner ( 7% avg), especially on guaranteed convertible, renewable term.
Guaranteed Renewable, Level Term (10,15, 20, 25, 30, 35 yr
level) Buys you the Time you need to finish ( Accumulation )
building your estate. Creates an Instant, Tax Free Estate, as cost effectively as
possible. With guaranteed renewability without proof of insurability
to age 95, if you have cancer in year 19 of a 20 year term you are guaranteed renewal should you choose to do so at the original underwriting class.
Conversion options to age 70 without evidence of insurability ( few companies offer this ) strengthens the owners position for a more favorable Life Settlement at the end of the level term period ( no need to terminate, sell it back ), or the conversion option to permanent without over paying the 1st 20 yrs
Current 2009 Mortality tables used in factoring rates. Terminal Illness Accelerated Benefit Rider- FREE. ( 50% of
the Death Benefit advanced if terminal illness is proven ( as a loan against db 5% int. )
Disability waiver of premium- available for a fee. ( Permanently waives premiums should the insured become disabled )
…it just
makes better sense!
…and a separate FIXED INDEX RETIREMENT ANNUITY
Logan Hunter Group / Wealth Plus Financial
Independent Advisory Services
“Build, Protect, and Preserve Legacies”
“Since 1992”SCOTT E. BUCHER SVP, MBGA
Logan Hunter Group/WEALTH PLUS FINANCIAL LLC.
“Financial Solutions For Life”RISK MANAGEMENT – Life
Insurance, Long Term Care Insurance, Business Continuation, Disability.
ASSET MANAGEMENT – Wealth Preservation, Asset Transfer, Dynasty Trusts, Limited Partnerships, Charitable Remainder Trusts.
LIFE SETTLEMENTSMORTGAGES/REVERSE
MORTGAGESINCOME MANAGEMENT
SOLUTIONS
Independent Advisory Services
“Build, Protect, and Preserve Legacies”
Logan Hunter Group / Wealth Plus Financial
623-551-0441 602-803-7756
Wealth Plus Financial LLC.Established in 1992
“ Financial Solutions For Life! ”
Thank You For The Opportunity To Serve You!
“Our dedicated staff is committed to helping our clients build, protect, and
preserve their Legacy.
We are honored and grateful for the opportunity
to serve them.”
Independent Advisory Services
“Build, Protect, and Preserve Dignity”
Logan Hunter Group / Wealth Plus Financial