opportunities for 2013 · retirement - life insurance - investments 1 cullen england, clu, chfc,...

RETIREMENT • INVESTMENTS • INSURANCE

ING Life Companies

Opportunities For 2013

Retirement - Life Insurance - Investments 1

Cullen England, CLU, ChFC, MSFS, AEP

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www.ing-presentations.intranet

For agent/registered representative use only. Not for public distribution.

CN1218-6659-0114

Disclosure

The ING Life Companies and their agents and representatives do not give tax or legal advice. This

information is general in nature and not comprehensive; the applicable laws change frequently and

the strategies suggested may not be suitable for everyone. Each taxpayer should seek advice from

his or her tax and legal advisors regarding their individual situation.

These materials are not intended to and cannot be used to avoid tax penalties; and they were

prepared to support the promotion or marketing of the matter addressed in this document.

Many life insurance products have some flexibility in structuring the face amount, riders, premium

and cash values. Therefore, it is important that you consider your client’s particular needs,

circumstances and goals carefully, and discuss them at length before recommending any life

insurance product.

All guarantees are based on the financial strength and claims paying ability of the issuing insurance

company, who is solely responsible for all obligations under its policies.

Life insurance products are issued by ReliaStar Life Insurance Company (Minneapolis, MN),

ReliaStar Life Insurance Company of New York (Woodbury, NY) and Security Life of Denver

Insurance Company (Denver, CO). Variable universal life insurance products are distributed by ING

America Equities, Inc. Within the state of New York, only ReliaStar Life Insurance Company of New

York is admitted and it's products issued. All are members of the ING family of companies

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CN1218-6659-0114

Disclosure

ING Indexed Universal Life - Global Choice (ING IUL-Global Choice), policy form #1186-09/12, ING Indexed Universal Life - Global (ING IUL-Global) policy form series #1180-12/09 and ING Indexed Universal Life – Global Plus (ING IUL-Global Plus), policy form series #1182-12/10 have an equity indexed feature, varies by state and may not be available in every state. Not available in New York. They are issued by Security Life of Denver Insurance Company (Denver, CO), a member of the ING family of companies. The index cap and index participation rate are subject to change for new index blocks.

These policies contain an index-linked crediting strategy that is calculated based on changes in external indexes. While policy values may be affected by the external indexes, the policy is not an investment in the stock market and does not participate in any index fund, stock or equity investments. These unmanaged indexes are not intended to represent specific investments. Investors cannot invest directly in an index. Past performance is not guarantee of future results.

Product’s actual features and benefits, expenses, loads and charges, may vary from client to client and will impact the values shown. Products are not identical, and the products specific features and the client’s use of those features will impact long term policy performance.

Registered and/or variable insurance products are offered by prospectus only. To solicit registered and/or variable insurance products you must be appointed with the issuing insurance company and be a registered representative of a broker-dealer that has a current selling agreement with the issuing company; variable insurance products may also require you to obtain a variable insurance product line on your insurance license.

Before investing, your clients should carefully consider their need for life insurance coverage and the charges and expenses of the variable universal life insurance policy. They should also consider the investment objectives, risks, fees, and charges of each underlying variable investment option. This and other information is contained in the prospectuses for the variable universal life insurance policy and the underlying variable investment options. Obtain these prospectuses for your client by calling 877-253-5050 or from www.ing-usa.com. Your clients should read them carefully before investing.

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http://www.ing-usa.com/



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CN1218-6659-0114

Disclosures

The S&P 500® Index is an Index of the stock performance of 500 publicly traded companies that does not reflect the dividends payable on the underlying stocks. ―Standard & Poor’s®,‖ ―S&P®,‖ ―S&P 500®‖ are registered trademarks of Standard & Poor’s Financial Services LLC and have been licensed for use by Security Life of Denver Insurance Company. The Policy is not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s makes no representation regarding the advisability of investing in the Policy.

EURO STOXX 50® Index – An Index of blue-chip stocks that are represented by 50 stocks covering the largest sector leaders in the EURO STOXX 50® Index. It does not reflect dividends payable on the underlying stocks. STOXX Limited, Zurich, Switzerland and its licensors (the ―Licensors‖) have no relationship to Security Life of Denver Insurance Company (―Security Life‖), other than the licensing of the EURO STOXX 50® Index and the related trademarks for use in connection with the ING Indexed Universal Life – Global Choice (―ING IUL-Global Choice‖) insurance policy. STOXX and its Licensors do not: (1) Sponsor, endorse, sell or promote the ING IUL-Global Choice policy; (2) Recommend that any person invest in the ING IUL-Global Choice policy or any securities; (3) Have any responsibility or liability for or make any decisions about the timing, amount or pricing of the ING IUL-Global Choice policy; (4) Have any responsibility or liability for the administration, management or marketing of the ING IUL-Global Choice policy; or (5) Consider the needs of the ING IUL-Global Choice policy or the owners of the ING IUL-Global Choice policy in determining, composing or calculating the EURO STOXX 50® Index or have any obligation to do so.

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CN1218-6659-0114

Disclosures

The Hang Seng Index (the ―Index‖) is published and compiled by Hang Seng Indexes Company Limited pursuant to a license from Hang Seng Data Services Limited. The mark and name ―Hang Seng Index‖ are proprietary to Hang Seng Data Services Limited. Hang Seng Indexes Company Limited and Hang Seng Data Services Limited have agreed to the use of, and reference to, the Index by Security Life of Denver Insurance Company (―Security Life‖) in connection with this Indexed universal life insurance policy (the ―Policy‖), BUT NEITHER HANG SENG INDEXES COMPANY LIMITED NOR HANG SENG DATA SERVICES LIMITED WARRANTS OR REPRESENTS OR GUARANTEES TO ANY BROKER OR HOLDER OF THE POLICY OR ANY OTHER PERSON (i) THE ACCURACY OR COMPLETENESS OF THE INDEX AND ITS COMPUTATION OR ANY INFORMATION RELATED THERETO; OR (ii) THE FITNESS OR SUITABILITY FOR ANY PURPOSE OF THE INDEX OR ANY COMPONENT OR DATA COMPRISED IN IT; OR (iii) THE RESULTS WHICH MAY BE OBTAINED BY ANY PERSON FROM THE USE OF THE INDEX OR ANY COMPONENT OR DATA COMPRISED IN IT FOR ANY PURPOSE, AND NO WARRANTY OR REPRESENTATION OR GUARANTEE OF ANY KIND WHATSOEVER RELATING TO THE INDEX IS GIVEN OR MAY BE IMPLIED. The process and basis of computation and compilation of the Index and any of the related formula or formulae,constituent stocks and factors may at any time be changed or altered by Hang Seng Indexes Company Limited without notice. TO THE EXTENT PERMITTED BY APPLICABLE LAW, NO RESPONSIBILITY OR LIABILITY IS ACCEPTED BY HANG SENG INDEXES COMPANY LIMITED OR HANG SENG DATA SERVICES LIMITED (i) IN RESPECT OF THE USE OF AND/OR REFERENCE TO THE INDEX BY SECURITY LIFE IN CONNECTION WITH THE POLICY; OR (ii) FOR ANY INACCURACIES, OMISSIONS, MISTAKES OR ERRORS OF HANG SENG INDEXES COMPANY LIMITED IN THE COMPUTATION OF THE INDEX; OR (iii) FOR ANY INACCURACIES, OMISSIONS, MISTAKES, ERRORS OR INCOMPLETENESS OF ANY INFORMATION USED IN CONNECTION WITH THE COMPUTATION OF THE INDEX WHICH IS SUPPLIED BY ANY OTHER PERSON; OR (iv) FOR ANY ECONOMIC OR OTHER LOSS WHICH MAY BE DIRECTLY OR INDIRECTLY SUSTAINED BY ANY BROKER OR HOLDER OF THE POLICY OR ANY OTHER PERSON DEALING WITH THE POLICY AS A RESULT OF ANY OF THE AFORESAID, AND NO CLAIMS, ACTIONS OR LEGAL PROCEEDINGS MAY BE BROUGHT AGAINST HANG SENG INDEXES COMPANY LIMITED AND/OR HANG SENG DATA SERVICES LIMITED IN CONNECTION WITH THE POLICY IN ANY MANNER WHATSOEVER BY ANY BROKER, HOLDER OR OTHER PERSON DEALING WITH THE POLICY. Any broker, holder or other person dealing with the Policy does so therefore in full knowledge of this disclaimer and can place no reliance whatsoever on Hang Seng Indexes Company Limited and Hang Seng Data Services Limited. For the avoidance of doubt, this disclaimer does not create any contractual or quasi-contractual relationship between any broker, holder or other person and Hang Seng Indexes Company Limited and/or Hang Seng Data Services Limited and must not be construed to have created such relationship.

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CN1218-6659-0114

What Does This All Mean?

6

Save

Protect

People Need to Save More

Risk of higher taxes and less benefits in the future

Prompt

We Need to Educate Clients, so They Act BEFORE it is Too

Late !

People Need to Protect More

Income replacement & tax rate insulation

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CN1218-6659-0114

2013 – Our Focus

Training and Education 7

ACCUMULATION & PROTECTION

Term Insurance Foundation

•Leverage E-Delivery and other E-Solutions

•Maintain solid cycle times

Current Assumption Product Opportunities

•ING Protector UL (policy form 80-100)

•Competitive UL for Death Benefit focused needs

•VUL

•ING IUL-Global Choice

•Middle, Mass Affluent and Affluent Market Solutions

Training and Education

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CN1218-6659-0114 8

ING Life Companies: A Complete IUL Platform

Unique Product Family

IUL Education & Training

Market Segments: Middle, Mass & Affluent

Tools: Percentiles Calculator

Index Reporting

Concierge Service

Comprehensive End-to-End Platform

Market

Segents Tols Product Concierge

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CN1218-6659-0114

Three Index Strategies

Early Cash Value Rider

Traditional Loans

Combination of Strategies

Long-term Accumulation Potential

Select Loans

9

ING IUL-Global Choice – A Good Fit

or

Product

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CN1218-6659-0114

INDEXED UNIVERSAL LIFE

First IUL was 1968 – Not as new as you think .

There have been several generations already.

Some are better than others.

WE THINK OURS IS BEST – LET’S SEE WHY!

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CN1218-6659-0114

SINGLE INDEX

The

Beginning

Multi- Index

Several Indices

You Choose

Multi-Index

Several Indices

Carrier Chooses

Multi-Index

Several Indices Market Chooses

IUL DESIGN EVOLUTION

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CN1218-6659-0114 12 12

WHY MULTI-INDEX

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CN1218-6659-0114 13 13

United States 49%

Japan 10%

Other Pacific 6%

United Kingdom 10%

Other Europe 20%

Canada 5%

Percentage of World Stock Market Capitalization

It is a BIG WORLD out there - 51% Non US! Source: Ibbotson Stocks, Bonds, Bills, and Inflation Yearbook

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CN1218-6659-0114 14 14

Best

2nd Best

Worst

THE USA IS NOT ALWAYS THE WINNER

70's 80's 90's 00's 1970-2010

Canada 11.00% 11.70% 9.90% 9.20% 10.70%

Europe 8.60% 18.50% 14.50% 2.40% 10.70%

Pacific 14.80% 26.40% 0.50% -0.30% 10.00%

EAFE 10.10% 22.80% 7.30% 1.60% 10.10%

USA 5.90% 17.60% 18.20% -0.90% 10.00%

WORLD 7.00% 19.90% 12.00% 0.20% 9.60%

Long Term Returns for the different parts of the World are remarkably similar

However, there is significant difference from decade to decade!

The U.S. Is Not Always the WINNER!

Source: Ibbotson Stocks, Bonds, Bills, and Inflation Yearbook

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CN1218-6659-0114 15 15

WHAT IF…

THERE WAS A WAY TO CAPTURE JUST

THE BEST PERFORMANCE

HOW WOULD THAT LOOK?

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CN1218-6659-0114

Global Indexed Strategies

Available in 2 Year and 5 Year strategies

Both the 2 Year and 5 Year Indexed Strategies use the following indexes: S&P 500®, EURO STOXX 50®, Hang Seng Index

After each 2 Year or 5 Year index crediting period, a portion of the two top indexes are used in the Index Credit calculation as follows:

• 75% of the highest Index Change Rate; plus

• 25% of the next highest Index Change Rate;

• 0% of the lowest Index Change Rate

0% Guaranteed Minimum Interest Rate

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CN1218-6659-0114

Global Indexed Strategies

These unmanaged Indexes are not

intended to represent specific

investments. Investors cannot invest

directly in an Index. Past Index

performance does not represent future

performance of these Indexes. The

finishing positions for each Index were

determined based on the changes in the

value of each Index between the 28th

day of each month during the period

shown and the same date two or five

years earlier. The percentages shown

reflect the number of times that each

Index had the highest (1st place), second

highest (2nd place), and lowest (3rd

place) 2-year or 5-year Index Change

Rate on the 28th day of each month

during the period. The data provided

provides only a comparison of the

Indexes to each other and provides no

information relative to the performance of

the Indexes during the period shown.

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CN1218-6659-0114 18

Which Strategy Should Be Picked?

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CN1218-6659-0114

Three Index Strategies

Early Cash Value Rider

Traditional Loans

Combination of Strategies

Long-term Accumulation Potential

Select Loans

19

ING IUL-Global Choice – A Good Fit

or

Product

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CN1218-6659-0114 20

Select Loans

• Select Loans are policy loans in

which an amount equal to the loan is

added to the policy Loan Amount while

also remaining in the Fixed Strategy

and/or Indexed Strategy as elected by

the policy owner

- Interest rate charged on the Loan Amount on Select Loans* is

fixed at 6.0% per year (current and guaranteed)

- Allows access to policy values while still enjoying the growth

potential offered by ING IUL-Global Choice.

* Select Loans have the risk that policy performance may be lower than projected if the amount credited to

the account value in the Fixed Strategy and/or Indexed Strategy is less than the fixed 6% interest

charged on the policy loan. Detailed additional information about policy loans is located in the policy

form and any personal policy illustration.

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CN1218-6659-0114 21

Select Loans The Risk in a Picture

Crediting rates and Index credits less than 6% have a negative spread - Historical Returns – 1 Year Hypothetical Periods

- 6% Select Loan Interest Rate

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22

Education - A Necessary Foundation

Learning Critical Product Basics • How IUL Really Works, and How to Illustrate and Compare

Understanding The Power Of Global • Leveraging the Power of ING IUL-Global Choice

Utilizing ING’s Accumulation and Protection Platform

• Critical Capabilities Beyond the Product

Aligning To Market Segment Solutions • Environmental Changes To Prompt Clients to Act Now

• Positioning for Middle, Mass Affluent and Affluent Markets

22

Training

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CN1218-6659-0114

IUL - Multiple Market Opportunities

Middle Market (protection & retirement)

• Term and IUL Combo

Mass Affluent Market (retirement)

• S.O.L.A.R. (Self Owned Life And Retirement) Insurance Arrangement

• Employer /Business Owner funded approaches

• Employee / Individual funded approaches (401k look-alike)

Affluent Market (estate planning & asset management)

• Leverage sales (premium and private financing)

• Non-Leverage sales with tax advantaged asset (cash value)

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Market

Segments

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CN1218-6659-0114

IUL Tools – Percentile Guide

24

Tools Compare indexing

strategies fairly

Historical percentile rates do not

and should not be used to predict

index credit rates in the future.

Past performance does not

guarantee future results.

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CN1218-6659-0114

25

Tools When you want to compare

a specific rate…

IUL Tools Hypothetical Index Strategy Calculator

Historical percentile rates do not and should not be

used to predict index credit rates in the future.

Past performance does not guarantee future results.

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CN1218-6659-0114

Retirement Security Isn’t About Our Assets; It’s About Our Income

—

We can’t spend our assets, we need to convert

them into something we can spend first

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CN1218-6659-0114 27

Traditional Solutions

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CN1218-6659-0114

What are the ideal attributes of a retirement plan

Pre Tax Deposits

Tax Deferred Growth

Tax Free income

What is your retirement account worth if you die before retirement?

•Your retirement plan is broken!

•Life Insurance can provide spouse with a definitive answer

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CN1218-6659-0114

Summary

Taxable Bucket

Tax-Deferred Bucket-

Qualified Accounts

Tax Deferred Bucket-

Other Assets

Tax-Free Bucket

Money In—

Deposits

After Tax

Pre-Tax

After-Tax

After-Tax

Growth

Immediate Tax—No Deferral

Tax-Deferred

Tax-Deferred

Tax-Deferred

Money Out– Deposits

Tax-Free

Fully Taxed

Tax-Free

Tax-Free

Money Out-

Growth

Fully Taxed

Fully Taxed

Tax Rates Vary By Asset

Tax-Free

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CN1218-6659-0114

Roth IRA alternative

What do people like about the Roth IRA?

• After Tax Dollars

• Grows Tax Deferred

• Tax Free Income

• No Required Distributions

• Spousal Rollover

What don’t people like about the Roth IRA?

• Nothing!! Except the Mass affluent can’t qualify.

• Anybody that doesn't qualify for a Roth IRA, LOVES the Roth IRA.

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CN1218-6659-0114 31

Retirement Solutions

45 Male, Preferred Nonsmoker

Assumes 7.47%

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CN1218-6659-0114 32

Retirement Extra using Life Insurance

Pretax equivalent of $104,447


Assumes 7.47%

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CN1218-6659-0114 33

WHAT ARE THE 4 USES OF SOLAR?

SOLAR For The Key Employee Benefit

SOLAR For The S-Corp, LLC Or LLP Owner

IRA RESCUE 72(t)

IRA RESCUE, RMD

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CN1218-6659-0114 34

SOLAR FOR THE KEY EMPLOYEE’S BENEFIT

Not Subjected To The Company’s Creditors

No Cost To Employee

Who Can Participate?

No ERISA

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CN1218-6659-0114

Key Employee

Key Employee Receives Bonus Of $20,000 for 20 years

Employee is in a 35% Tax Bracket

Retirement Age 65

Retirement Income For 25 Years

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CN1218-6659-0114 36

Key Employee Comparison

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CN1218-6659-0114 37

Key Employee Comparison

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CN1218-6659-0114 38

SOLAR FOR THE SMALL BUSINESS OWNER

What Is The Number 1 Question The Owner Of A Small Business (S-Corp, LLP, or LLC) Ask Their Advisors??

What About Me?

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CN1218-6659-0114 39

SMALL BUSINESS OWNER

Male Age 50, Preferred Non Tobacco

40% Tax Bracket

Pay $100,000 Per Year For 15 Years

Retire At Age 70. Take Retirement Distributions For 20 Years

Minimum Face Amount, Increasing And Optimal Switch

Exercise The Overloan Lapse Protection Rider

8.18% Illustrative Rate

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CN1218-6659-0114 40

SMALL BUSINESS OWNER OPPORTUNITY

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CN1218-6659-0114 41

SMALL BUSINESS OWNER OPPORTUNITY

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CN1218-6659-0114 42

According to the Investment Company Institute, there is about $4.7 trillion invested in IRA’s

IRA Distributions are income taxable at receipt

Those taxes are not known at this time

If desired, the client could borrow money from the ING IUL-Global Plus policy to pay the income taxes owed on the IRA distributions.

ING IUL Global Plus provides death benefit protection and a resource to pay income taxes that may be due

A complete assessment of the client's financial situation should be performed with the client's tax advisor and should include several important considerations, such as if the amount or method of payment changes, the 10% penalty applies retroactively, Federal and State ordinary income taxes are still applicable, there is a possibility your client could exhaust their retirement account early, and any Internal Revenue Code Section 72(t) distribution payment over the free withdrawal provisions of the existing contract or investment may be subject to surrender charges, should be reviewed with your client when considering this option.


CN0606-3026-0714

S.O.L.A.R. Insurance Arrangements funded by IRA Distributions

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CN1218-6659-0114 43

SOLAR IRA RESCUE 72(t)

Male 50, Preferred Non Tobacco, 35% Tax Bracket

His Current IRA Balance Is $300,000.

He Is Going To Take A 72(t) Distribution For 10 Years.

At Age 60, He Will Then Liquidate The Rest Of His IRA Over The Next 10 Years.

Distributions From Age 70 To Age 90

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CN1218-6659-0114 44


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CN1218-6659-0114 45


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CN1218-6659-0114 46


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CN1218-6659-0114 47

SOLAR IRA RESCUE RMD

Male Age 65, Preferred Non Tobacco

Current IRA Balance of $1,000,000

Does Not Need IRA For Retirement And Would Like To Pass It On To His Children.

35% Tax Bracket

He Liquidates His IRA Over 5 Years By Taking Withdrawals Of $200,000 Per Year

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CN1218-6659-0114

SOLAR IRA RESCUE RMD

48

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CN1218-6659-0114

Roth IRA alternative

What do people like about the Roth IRA?

• After Tax Dollars

• Grows Tax Deferred

• Tax Free Income

• No Required Distributions

• Spousal Rollover

What don’t people like about the Roth IRA?

• Nothing!! Except the Mass affluent can’t qualify.

• Anybody that doesn't qualify for a Roth IRA, LOVES the Roth IRA.

49

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CN1218-6659-0114 50



Assumes 7.47%

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CN1218-6659-0114 51


$30,769

20

$615,380

$723,905

$75,500

$2,642,500

$20,051,579

$664,000

$1,092,306

$20.252,366

54% INCREASE IN TARGET

12% INCREASE IN DISTRIBUTIONS

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CN1218-6659-0114

Information – Keep Clients Informed!

52

Reporting Monthly report for policyholders

featuring interim index values.

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CN1218-6659-0114

ING Global Life Concierge

53

Concierge

Answers questions about your client’s policy during the accumulation phase regarding premiums, loans, illustrations, distributions and more.

Trained to maximize your client’s policy distributions to supplement income during the distribution phase while lessening the risk of policy lapse.

Trained to lessen the risk of negative income tax consequences for your clients. * We reserve the right to change or modify this program at anytime in the future.

Count on a Dedicated Service Team ING’s

commitment is to provide you and

your client customized

retirement income analysis and we monitor those distributions

annually.

Available on Global family of products

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CN1218-6659-0114

Unlike annuities which have no hidden hazards in the event of lapse – Life Insurance can be subject to

―PHANTOM INCOME‖

The ING Concierge Unit is available to help clients manage and maximize income from policies and avoid phantom income.

Why?

54

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CN1218-6659-0114

The Problem

Illustration systems easily solve for the maximum income for

an assumed illustrated crediting rate.

This illustration has absolutely nothing to do with what

can be taken out of a policy!

This presents a serious problem for the Client, the Agent and

the Carrier.

55

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CN1218-6659-0114

Example

Original Illustration:

M45 PNT - $25,000 annual premium to age 65

Distribution age 66 – 85 (traditional loans only)

ING IUL-Global Choice

2-year point to point Global Index Strategy

Unlimited Cap / 0% floor / 55% participation

7.4% illustration rate

CSV at age 65 = $920,389

Annualized distribution $84,500 (percent of CV at age 65 = 9.18%)

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CN1218-6659-0114

Here We Are at Retirement Age 65

Let’s assume we had an un-eventful accumulation period. We have

arrived at retirement with $920,389 in cash surrender value.

The client picks up the original illustration out of his slightly musty file

and sends a note to the insurance carrier to start sending him $84,500

every year.

What happens if the future crediting rate averages 7% over 10 year

periods instead of the 7.4% assumed in the original illustration?

57

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CN1218-6659-0114

Insert 10 year hypothetical index return rates - Repeat

Hypothetical Index Credit Rates

Year Illust. Rate

1 6%

2 5%

3 8%

4 9%

5 7%

6 8%

7 4%

8 9%

9 6%

10 8%

Ave 7.00%

Original

illustration

assumed

7.4% return in

all years.

58

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CN1218-6659-0114

If We Leave The Client On His Own!

BIG PROBLEM!

$84,500 Client Takes Projected Income

Lapses at age 85

$1,654,569 income received

- 500,000 cost basis

$1,154,569 Taxable Income

$461,827 Tax due at 40% bracket

59

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CN1218-6659-0114 60

Concierge – Distribution Options

Original Distribution Results

• Income age 66 to 84

$84,500

• Income age 85 $49,069

• LAPSED age 85

Total Income $1,605,500

20 year Avg Income $80,275

Age 121 CV LAPSED

Age 121 DB LAPSED

Taxable Inc $1,154,569

Tax @ 40% $461,827

Resolve Level Distribution


$82,677



Age 121 CV $1,008

Age 121 DB $1,008

Taxable Inc none

Tax @ 40% none


with OLP Rider


$84,500

• Income age 84 $61,470

• Income age 85 $4,607



Age 121 CV $0

Age 121 DB $0

Taxable Inc none

Tax @ 40% none

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CN1218-6659-0114 61

Concierge - Annual Managed Re-Solve




Age 121 CV LAPSED

Age 121 DB LAPSED

Taxable Inc $1,154,569

Tax @ 40% $461,827

Resolve Level Distribution



Age 121 CV $1,008

Age 121 DB $1,008

Taxable Inc none

Tax @ 40% none

Managed Distribution Results

Age Dist Age Dist

66 80,000 76 80,000

67 80,000 77 80,000

68 80,000 78 80,000

69 80,000 79 84,500

70 80,000 80 82,500

71 84,500 81 84,500

72 80,000 82 80,000

73 84,000 83 84,500

74 80,000 84 84,500

75 84,500 85 84,500

86 80,000



Age 121 CV $1,008

Age 121 DB $1,008

Taxable Inc none

Tax @ 40% none

• Income range from

$80,000 to $84,500

• Income extended

one year longer

• Higher total income

• Policy stays inforce

to maturity

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CN1218-6659-0114

WHAT ABOUT

SELECT LOANS?

62

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CN1218-6659-0114

SIMILAR – DIFFERENT - VOLATILE

Historically, Select Loans are positive 65% to 75% of the time. They may be worthwhile.

Select Loans will result in more volatile income streams than is show in illustrations.

If you have support, a ―Concierge Unit‖, in ING’s case, you can work with Select Loans.

IF YOU DON’T - DISASTER AWAITS!!!

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CN1218-6659-0114

Concierge Unit – Extremely Important

Leaving a Client on their own is Dangerous.

―Concierge‖ is Necessary for all Leverage Sales.

If Your Carrier Can’t or Won’t Do It - You Must!

Take it Seriously!

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CN1218-6659-0114

ING Life Companies sends reminder to Client Annually.

Client & Concierge Unit Agree on Assumptions.

Annual Re-Solve is Done to Maximize Income.

Start With Original Sales Assumptions – or

Use More Conservative Assumptions.

65

How The Concierge Unit Can Help?

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CN1218-6659-0114

THE A.P.P.

66

Download

Icon to iPad!

www.lifeproductavenue.com

66

ING’s Accumulation & Protection Platform (A.P.P.)

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CN1218-6659-0114 67 67

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CN1218-6659-0114

The Opportunity

People need to :

Save More

Protect More

68

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CN1218-6659-0114

Life Insurance a Great Solution

ING’s Accumulation and Protection Platform ~

The complete IUL Package

69

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CN1218-6659-0114

THANK YOU!

Questions?

70

opportunities for 2013 · retirement - life insurance - investments 1 cullen england, clu, chfc,...

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