Retirement Presentation

The Right Retirement Plan L I F E I N S U R A N C E & S U P P L E M E N T A L R E T I R E M E N T P L A N N I N G

A financially secure retirement requires more than understanding the importance of planning.

… made up of the right ingredients … in the right amounts … and given the right amount of time to grow. It requires the Right Retirement Plan … The Right Plan

[object Object],[object Object],[object Object],[object Object],[object Object],The Right Plan Government Programs Employer Programs Individual Programs 42% 40% 18% There are three basic ingredients in every successful retirement strategy:

Government-Sponsored Programs Don’t Gamble on the Government 6558 Rev. 12/00

[object Object],Don’t Gamble on the Government G O V E R N M E N T - S P O N S O R E D P R O G R A M S -- Social Security Administration, 2000 40% The primary government-sponsored program is Social Security. Social Security, however, was never intended to replace 100 percent of a person’s income prior to retirement.

Employer-Sponsored Programs Don’t Bet on the Benevolent Boss

Don’t Bet on the Benevolent Boss ,[object Object],E M P L O Y E R - S P O N S O R E D P R O G R A M S D E F I N E D B E N E F I T P E N S I O N P L A N S What they were What they are now Defined benefit pension plans are typically employer-pay-all plans, which provide long-term employees a portion of their pre-retirement salary as retirement income. Many of these plans have been replaced by 401(k) plans, which are funded by contributions by employees and employers and invested in accounts often selected by the employees.

Don’t Bet on the Benevolent Boss ,[object Object],[object Object],[object Object],[object Object],E M P L O Y E R - S P O N S O R E D P R O G R A M S Here are some other facts about qualified employer-sponsored programs:

Individual Programs Make a Choice for Your Security

A Choice for Your Security ,[object Object],[object Object],[object Object],I N D I V I D U A L P R O G R A M S With the uncertainty regarding Social Security and the reduction of employer-sponsored programs, a third source of funds may be the most crucial to experiencing a financially secure retirement.

Individual Retirement Accounts ,[object Object],[object Object],[object Object],I N D I V I D U A L P R O G R A M S There are two types of IRAs: traditional and Roth.

Tax me now or Tax me later ,[object Object],[object Object],[object Object],I N D I V I D U A L P R O G R A M S

Life Insurance ,[object Object],[object Object],[object Object],I N D I V I D U A L P R O G R A M S

Life Insurance ,[object Object],I N D I V I D U A L P R O G R A M S Dying Too Soon or Living Too Long

Dying too Soon ,[object Object],[object Object],[object Object],[object Object],I N D I V I D U A L P R O G R A M S

Dying too Soon ,[object Object],I N D I V I D U A L P R O G R A M S Your beneficiaries receive a specified death benefit whether you hold the policy for two, 10 or 30 years.

Living too Long ,[object Object],[object Object],[object Object],I N D I V I D U A L P R O G R A M S

Dying too soon or Living too long ,[object Object],[object Object],[object Object],[object Object],I N D I V I D U A L P R O G R A M S Dying too soon or living too long…only permanent life insurance offers you that certainty...

[object Object],[object Object],[object Object],The Plan According to the Department of Labor and the Social Security Administration*, out of all people age 65 or older… *1998 edition of the “Income of the Population 55 or Older,” published with information provided by various government entities, including the Department of Labor and the Social Security Administration.

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Retirement Presentation

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