1. Using AdvisorTermQuotes.com&DI Update for Physicians and Dentists October 20, 2010 Web Conference Presented by John Ryan, CFP® Ryan Insurance Strategy Consultants

2. About us Ryan Insurance Strategy Consultants and John Ryan, CFP® Working with NAPFA advisors since 1983 Nationally recognized experts in Life, DI, and Long-term Care Insurance planning Long time supporter of NAPFA See John Ryan’s bio at www.Ryan-Insurance.net for more information

3. AdvisorTermQuotes.com

4. AdvisorTermQuotes.com Term Life Quotes in 60 seconds or less Industry’s most competitive term life plans Top 50 plans quoted Exclusively for Fee-Only advisors and their clients No required contact with “salesmen”

5. Choosing A Company/Product Check the company ratings “Company Financial Ratings” link on our website Medical history changes the picture Medical history may change the premiums offered by a company and also may change which company is most competitive. Look at the conversion options. “Conversion Option Deadlines” link on the Life Insurance page of our website. Older conversion age = higher premiums www. Ryan-Insurance.Net

6. Update:DI for Physicians and Dentists

7. Increased Issue & Participation Limits for Physicians and Dentists Most DI companies have increased issue and participation (I & P) limits for Individual Disability Income Insurance. These competitive limits can increase your client’s protection.

8. Cost of DI vs Homeowners Insurance Age 30 $250,000/ year income 20 year career Discount rate 5% Earnings increase 5% per year Present value of earnings = $5,000,000 Value of home= $5,000,000

9. Cost of DI vs Homeowners Insurance Age 45 $250,000/ year income 10 year career Discount rate 5% Earnings increase 5% per year Present value of earnings = $2,500,000 Value of home= $2,500,000

10. Layers Of DisabilityFor Physicians and Dentists

11. Other Layers of DI Protection Practice/Business Overhead Expense DI Covers ongoing business expenses Covers salary of replacement Covers loan obligations Buy/Sell DI Provides funding for buy-sell agreements

13. 3 Ways to Get a Proposal Call us to create a Request for Proposal 800.796.0909 Email John or staff See the “Contact Us” page of our website Submit an on-line quote request form In the “Disability Insurance” section of our website www.Ryan-Insurance.net

14. How To Apply Put us in touch with your client so all paperwork can be completed in a 20 minute phone interview. Our knowledgeable staff will competently and professionally guide your client through the underwriting process.

15. Contact Us: Ryan Insurance Strategy Consultants 800.796.0909 John Ryan ext 102 John_Ryan@Ryan-Insurance.net www.Ryan-Insurance.net Web conference slides are available at http://www.slideshare.net/risc79438 15