If you have a 401k or IRA, then you need to watch this presentation. Learn how to index your money against market loss with indexed universal life insurance (IUL).

1. (Puzzle
Graphic
–
Logo)

2. Assurety Incorporated
Presented
By:
Michael Nixon
866 755 9628
mnixon@assuretyinc.com
www.assuretyinc.com
What
You’ve
Been
Taught
ABOUT
INVESTMENT
OPTIONS
“Solving
the
Re.rement
Puzzle”
is
for
informa.onal
purposes
only.
All
numbers
and
calcula:ons
are
not
product
specific
and
are
based
on
hypothe:cal
performance.
This
presenta:on
is
not
designed
to
give
investment,
tax,
or
legal
advice.
You
should
always
consult
with
a
licensed
professional
about
your
specific
situa:on
to
determine
the
best
fit
for
your
specific
situa:on
to
assess
your
specific
re:rement
needs.

3. Assurety Incorporated
Presented
By:
Michael Nixon
866 755 9628
mnixon@assuretyinc.com
www.assuretyinc.com
Are
these
your
only
2
op.ons?
Fixed
Variable
Lower
Rates
Higher
Poten?al
No
Principal
Risk
100%
Principal
Risk
CD’s
Stocks
Money
Market
Mutual
Funds
Fixed
Annui?es
Variable
Annui?es
“Solving
the
Re.rement
Puzzle”
is
for
informa.onal
purposes
only.
All
numbers
and
calcula:ons
are
not
product
specific
and
are
based
on
hypothe:cal
performance.
This
presenta:on
is
not
designed
to
give
investment,
tax,
or
legal
advice.
You
should
always
consult
with
a
licensed
professional
about
your
specific
situa:on
to
determine
the
best
fit
for
your
specific
situa:on
to
assess
your
specific
re:rement
needs.

4. Assurety Incorporated
Presented
By:
Michael Nixon
866 755 9628
mnixon@assuretyinc.com
www.assuretyinc.com
How
to
combine
the
best
of
both?
Fixed
“HYBRID”
Lower
Rates
Higher
Poten?al
Variable
No
Principal
Risk
Higher
Poten?al
No
Principal
Risk
100%
Principal
Risk
Combines
best
aspects
of
CD’s
Fixed
and
Variable
op?ons
Stocks
Money
Market
“Power
of
Indexing”
Mutual
Funds
Fixed
Annui?es
Variable
Annui?es
“Solving
the
Re.rement
Puzzle”
is
for
informa.onal
purposes
only.
All
numbers
and
calcula:ons
are
not
product
specific
and
are
based
on
hypothe:cal
performance.
This
presenta:on
is
not
designed
to
give
investment,
tax,
or
legal
advice.
You
should
always
consult
with
a
licensed
professional
about
your
specific
situa:on
to
determine
the
best
fit
for
your
specific
situa:on
to
assess
your
specific
re:rement
needs.

5. Assurety Incorporated
Presented
By:
Michael Nixon
866 755 9628
mnixon@assuretyinc.com
www.assuretyinc.com
Hybrid
Products
Use
“Indexing”
• What
is
Indexing?
Increased
Upside
w/No
Risk
– You
earn
interest
based
on
movement
of
index
– No
risk
to
your
principal,
gains
are
protected
– Greater
growth
poten?al
than
fixed
assets
Let’s
take
a
closer
look
at
how
it
works…
“Solving
the
Re.rement
Puzzle”
is
for
informa.onal
purposes
only.
All
numbers
and
calcula:ons
are
not
product
specific
and
are
based
on
hypothe:cal
performance.
This
presenta:on
is
not
designed
to
give
investment,
tax,
or
legal
advice.
You
should
always
consult
with
a
licensed
professional
about
your
specific
situa:on
to
determine
the
best
fit
for
your
specific
situa:on
to
assess
your
specific
re:rement
needs.

6. Assurety Incorporated
Presented
By:
Michael Nixon
866 755 9628
mnixon@assuretyinc.com
www.assuretyinc.com
“Solving
the
Re.rement
Puzzle”
is
for
informa.onal
purposes
only.
All
numbers
and
calcula:ons
are
not
product
specific
and
are
based
on
hypothe:cal
performance.
This
presenta:on
is
not
designed
to
give
investment,
tax,
or
legal
advice.
You
should
always
consult
with
a
licensed
professional
about
your
specific
situa:on
to
determine
the
best
fit
for
your
specific
situa:on
to
assess
your
specific
re:rement
needs.

7. Assurety Incorporated
Presented
By:
Michael Nixon
866 755 9628
mnixon@assuretyinc.com
www.assuretyinc.com
Have
You
Heard
This
Quote?
The
Two
Rules
of
Inves.ng
1. Don’t
Lose
Money
2. Don’t
Forget
Rule
#1
-­‐Warren
BuffeM
When
solving
your
personal
re:rement
puzzle,
not
losing
money
is
the
cornerstone
for
guaranteeing
predictable
life:me
income.
“Solving
the
Re.rement
Puzzle”
is
for
informa.onal
purposes
only.
All
numbers
and
calcula:ons
are
not
product
specific
and
are
based
on
hypothe:cal
performance.
This
presenta:on
is
not
designed
to
give
investment,
tax,
or
legal
advice.
You
should
always
consult
with
a
licensed
professional
about
your
specific
situa:on
to
determine
the
best
fit
for
your
specific
situa:on
to
assess
your
specific
re:rement
needs.

8. Assurety Incorporated
Michael Nixon
Presented
By:
866 755 9628
mnixon@assuretyinc.com
www.assuretyinc.com
Let’s
Talk
About
Mary
Simpson
• 48
Years
Old
• Real
Estate
Broker
• $80,000/yr.
Income
• Mary
Has
Concerns
– Wants
to
Re?re
at
65
– SSI?
When?
How
Much?
– Has
$225,000
in
her
401(k)
– Needs
$80,000/yr
Income
for
Life
– Can
afford
an
addi?onal
$10k/yr
for
the
next
15
years
“Solving
the
Re.rement
Puzzle”
is
for
informa.onal
purposes
only.
All
numbers
and
calcula:ons
are
not
product
specific
and
are
based
on
hypothe:cal
performance.
This
presenta:on
is
not
designed
to
give
investment,
tax,
or
legal
advice.
You
should
always
consult
with
a
licensed
professional
about
your
specific
situa:on
to
determine
the
best
fit
for
your
specific
situa:on
to
assess
your
specific
re:rement
needs.

9. Assurety Incorporated
Michael Nixon
Presented
By:
866 755 9628
mnixon@assuretyinc.com
www.assuretyinc.com
What
is
Mary’s
Income
Gap?
$225,000
401(k)
Fixed
Annuity
will
guarantee
$37,000/yr.
INCOME
NEED
INCOME
GAP
Re.re
at
Age
67
Re.re
at
Age
67
$80,000/yr
$28,000/yr
Social
Security
Es:mated
Social
Security
$15,000/yr.
“Solving
the
Re.rement
Puzzle”
is
for
informa.onal
purposes
only.
All
numbers
and
calcula:ons
are
not
product
specific
and
are
based
on
hypothe:cal
performance.
This
presenta:on
is
not
designed
to
give
investment,
tax,
or
legal
advice.
You
should
always
consult
with
a
licensed
professional
about
your
specific
situa:on
to
determine
the
best
fit
for
your
specific
situa:on
to
assess
your
specific
re:rement
needs.

10. Assurety Incorporated
Presented
By:
Michael Nixon
866 755 9628
mnixon@assuretyinc.com
www.assuretyinc.com
Where
Should
Mary
Put
Her
Money?
FIXED
VARIABLE
INDEXED
ACCOUNT
ACCOUNT
UL
PLAN
3%
Annual
Return
Previous
17
year
Return
Previous
17
Year
Return
$10,000/yr
Grows
to
$10,000/yr
Grows
to
$10,000/yr
Grows
to
$234,100
$243,900
$269,700
“Solving
the
Re.rement
Puzzle”
is
for
informa.onal
purposes
only.
numbers
and
calcula:ons
are
not
product
specific
and
are
based
on
hypothe:cal
performance.
This
presenta:on
is
All
not
designed
to
give
investment,
tax,
or
legal
advice.
You
should
always
consult
with
a
licensed
professional
about
your
specific
situa:on
to
determine
the
best
fit
for
your
specific
situa:on
to
assess
your
specific
re:rement
needs.

11. Assurety Incorporated
Presented
By:
Michael Nixon
866 755 9628
mnixon@assuretyinc.com
www.assuretyinc.com
How
Much
Income
Will
Mary
Get?
FIXED
VARIABLE
INDEXED
ACCOUNT
ACCOUNT
UL
PLAN
Income
Produced
Income
Produced
Income
Produced
Based
on
5%
Rule
Based
on
5%
Rule
Based
on
Illustra?on
$11,700
$12,195
$30,700
“Solving
the
Re.rement
Puzzle”
is
for
informa.onal
purposes
only.
numbers
and
calcula:ons
are
not
product
specific
and
are
based
on
hypothe:cal
performance.
This
presenta:on
is
All
not
designed
to
give
investment,
tax,
or
legal
advice.
You
should
always
consult
with
a
licensed
professional
about
your
specific
situa:on
to
determine
the
best
fit
for
your
specific
situa:on
to
assess
your
specific
re:rement
needs.

12. Assurety Incorporated
Michael Nixon
Presented
By:
866 755 9628
mnixon@assuretyinc.com
www.assuretyinc.com
Let’s
Talk
About
Bob
Wilson
• 54
Years
Old
• Small
Business
Owner
• $275,000
Income
• Bob
Has
Concerns
– Wants
to
Re?re
at
70
– SSI?
When?
How
Much?
– Used
to
“the
Lifestyle”
– 401k/IRA
Limita?ons
(Maxed)
– $925k
Current
IRA/401k
Balance
– Can
contribute
$100k/yr
for
the
next
5
years
while
business
is
good
– Needs
$275,000
Income
for
Life
“Solving
the
Re.rement
Puzzle”
is
for
informa.onal
purposes
only.
All
numbers
and
calcula:ons
are
not
product
specific
and
are
based
on
hypothe:cal
performance.
This
presenta:on
is
not
designed
to
give
investment,
tax,
or
legal
advice.
You
should
always
consult
with
a
licensed
professional
about
your
specific
situa:on
to
determine
the
best
fit
for
your
specific
situa:on
to
assess
your
specific
re:rement
needs.

13. Assurety Incorporated
Presented
By:
Michael Nixon
866 755 9628
mnixon@assuretyinc.com
www.assuretyinc.com
What
is
Bob’s
Income
Gap?
$925,000
IRA/401k
Fixed
Annuity
will
guarantee
$136,000/yr.
INCOME
NEED
INCOME
GAP
Re.re
at
Age
70
Re.re
at
Age
70
$275,000/yr
$99,000/yr
Social
Security
Es:mated
Social
Security
$40,000/yr.
“Solving
the
Re.rement
Puzzle”
is
for
informa.onal
purposes
only.
All
numbers
and
calcula:ons
are
not
product
specific
and
are
based
on
hypothe:cal
performance.
This
presenta:on
is
not
designed
to
give
investment,
tax,
or
legal
advice.
You
should
always
consult
with
a
licensed
professional
about
your
specific
situa:on
to
determine
the
best
fit
for
your
specific
situa:on
to
assess
your
specific
re:rement
needs.

14. Assurety Incorporated
Presented
By:
Michael Nixon
866 755 9628
mnixon@assuretyinc.com
www.assuretyinc.com
Where
Should
Bob
Put
His
Money?
FIXED
VARIABLE
INDEXED
ACCOUNT
ACCOUNT
UL
PLAN
3%
Annual
Return
Previous
16
year
Return
Previous
16
Year
Return
$100,000/yr
Grows
to
$100,000/yr
Grows
to
$100,000/yr
Grows
to
$779,664
$1,059,503
$986,856
“Solving
the
Re.rement
Puzzle”
is
for
informa.onal
purposes
only.
numbers
and
calcula:ons
are
not
product
specific
and
are
based
on
hypothe:cal
performance.
This
presenta:on
is
All
not
designed
to
give
investment,
tax,
or
legal
advice.
You
should
always
consult
with
a
licensed
professional
about
your
specific
situa:on
to
determine
the
best
fit
for
your
specific
situa:on
to
assess
your
specific
re:rement
needs.

15. Assurety Incorporated
Michael Nixon
Presented
By:
866 755 9628
mnixon@assuretyinc.com
www.assuretyinc.com
How
Much
Income
Will
Bob
Get?
FIXED
VARIABLE
INDEXED
ACCOUNT
ACCOUNT
UL
PLAN
Income
Produced
Income
Produced
Income
Produced
Based
on
5%
Rule
Based
on
5%
Rule
Based
on
Illustra?on
$38,983
$52,975
$106,136
“Solving
the
Re.rement
Puzzle”
is
for
informa.onal
purposes
only.
numbers
and
calcula:ons
are
not
product
specific
and
are
based
on
hypothe:cal
performance.
This
presenta:on
is
All
not
designed
to
give
investment,
tax,
or
legal
advice.
You
should
always
consult
with
a
licensed
professional
about
your
specific
situa:on
to
determine
the
best
fit
for
your
specific
situa:on
to
assess
your
specific
re:rement
needs.

16. Assurety Incorporated
Presented
By:
Michael Nixon
866 755 9628
mnixon@assuretyinc.com
www.assuretyinc.com
How
Much
Income
Will
Bob
Get?
FIXED
VARIABLE
INDEXED
ACCOUNT
ACCOUNT
UL
PLAN
Income
Produced
Income
Produced
Income
Produced
Based
on
5%
Rule
Based
on
5%
Rule
Based
on
Illustra?on
$38,983
$52,975
$106,136
“Solving
the
Re.rement
Puzzle”
is
for
informa.onal
purposes
only.
numbers
and
calcula:ons
are
not
product
specific
and
are
based
on
hypothe:cal
performance.
This
presenta:on
is
All
not
designed
to
give
investment,
tax,
or
legal
advice.
You
should
always
consult
with
a
licensed
professional
about
your
specific
situa:on
to
determine
the
best
fit
for
your
specific
situa:on
to
assess
your
specific
re:rement
needs.