YO U C A N T H A N D L E THE TRUTH.

JACK NICHOLSON ~ A FEW GOOD MEN

NO COST LIFE INSURANCE GOES TO THE MOVIES.

How to
1. Buy A Mercedes With No Out Of Pocket Cost.
2. How You Can Gift Each Of Your Children Or Grandchildren $1,000,000 Each At No Out Of Pocket Cost. 3. How To Help Create $170,000,000 For Your Favorite Nonprofit.

FULL DISCLOSURE.
1. Ive been in the insurance business for 45 years, the last 20 years specializing in the nonprofit world. Our concepts can be used by most of you for your own reasons. 2. My ideas do not conflict with Karlsberg International Life Insurance Co. Karlsberg has an asset protection policy second to none. And you can pay premiums in kind. We are using life insurance in a totally different way. way.

3. Lets have some fun and go to the movies!

TOTO, IVE GOT A FEELING WERE NOT IN KANSAS ANYMORE.

JUDY GARLAND ~ WIZARD OF OZ

LIFE INSURANCE IS DIFFERENT TODAY.

o Its modern, sophisticated, and flexible. o I will demonstrate how it can be used in ways you never imagined.

ELEMENTARY, MY DEAR WATSON.

BASIL RATHBONE ~ THE ADVENTURES OF SHERLOCK HOLMES

FASTEN YOUR SEATBELTS. THIS IS GOING TO BE A BUMPY RIDE

BETTE DAVIS ~ ALL ABOUT EVE

IT ALL BEGAN
when I started 45 years ago, life insurance was elementary and used for newlyweds, new homeowners, etc. Today life insurance is much more sophisticated and is a true financial tool that can be effective in many areas. Please let me show you some of the more innovative techniques.

HOW TO BUY A NEW MERCEDES WITH NO OUT OF POCKET COST.

Let me give you a scenario. An individual wants to buy a Mercedes but doesnt want any out of pocket expense.
She has a $200,000 CD at the local bank paying 0.5%. She doesnt need the CD or its income. Its extra money. She transfers the $200,000 to a special Penn Mutual insurance policy. The policy cash value is $200,000.

This policy historically earns:

1 year 5.60%

5 years
10 year 20 years

6.50%
7.07% 7.73%

At the beginning of the second year, she can borrow from Penn Mutual, not from her policy, up to 40% of the prior years premium. She does so, goes to the Mercedes store with an $80,000 check in hand and pays cash for her new Mercedes.

MADE IT, MA. TOP OF THE WORLD.

JAMES CAGNEY ~ WHITE HEAT

IM KING OF THE WORLD.

LEONARDO DICAPRIO ~ TITANIC

SO NOW WHERE IS SHE?

1. Shes driving her new Mercedes around town. 2. She has $200,000 in the Penn Mutual policy earning a high interest. 3. If she dies, the loan is paid off from the policy death benefit. 4. If she holds the policy for 10 years, theres enough cash value to repay the loan to Penn Mutual. Her policy cash value is now $205,222. 5. If she had kept the CD at 0.5% her CD would now be worth $205,653 and she never would have had the pleasure of the Mercedes

SHOW ME THE MONEY

CUBA GOODING, JR. ~ JERRY MCGUIRE

How you can gift each of your children or grandchildren $1,000.000 each at no out of pocket cost.

This plan has several variations depending on a persons age, net worth, health, etc.
What are the qualifications?

1. $5 million net worth. 2. Under age 70.

3. Reasonably insurable. 4. Insurance capacity.

MILLION DOLLAR GIFT TO CHILDREN.

Heres an Example:
1. Married couple, both 65, good health, no tobacco use. 2. Net worth $7 million. 3. Existing insurance $2 million. 4. Five children or grandchildren.

WHATS THE PROCESS?

1. The couple applies for a $5 million dollar policy. 2. Its issued and Wells Fargo pays the premium.

3. The policy sits in a trust keeping the policy benefits out of the estate.
4. The trust beneficiaries are the children and grandchildren.

WHATS THE PROCESS?

5. The policy premium loan interest accrues within the policy. 6. Any difference in the policy cash value is posted as collateral.

7. Plan continues in force and gift distribution is made at the second death. 8. Premium loan may be paid out of the policy cash values or continued indefinitely.

WAIT A MINUTE. WAIT A MINUTE. YOU AINT HEARD NOTHIN YET.

AL JOLSON ~ THE JAZZ SINGER

HOW TO HELP CREATE $170,000,000 FOR YOUR FAVORITE NONPROFIT.

Many of you sit on nonprofit boards or you know someone who does.
Many of you know the president of the local college or hospital or know someone who does. These nonprofit decision makers are in trouble. Their endowments are down. Their donations are down.

They need help.

EPOCH INTERNATIONAL
Epoch is the answer. Epoch is a plan that in the right situation can create $170 million over a 27 year period for a nonprofit with no out of pocket cost to any donor or to the organization.

I HAVE ALWAYS DEPENDED ON THE MERCY OF STRANGERS.

VIVIEN LEIGH ~ A STREETCAR NAMED DESIRE

THE DONORS HAVE TO BE:

1. Between the ages of 67 and 79. 2. Insurable standard non tobacco or better.

3. Net worth of $750,000 or annual income of $125,000.

4. Insurable interest - donation history.

MECHANICS OF THE EPOCH PROGRAM:

1. Each person will be insured for $2.5 million. 2. The policies will be placed into a 27 year trust. 3. The nonprofit is the beneficiary of the trust. 4. Corporate employee pension plans will fund the policies.

WHO BENEFITS?
1. The nonprofit receives huge cash flow with no financial or legal responsibility.
2. Each plan participant makes a large gift to his/her favorite nonprofit. 3. The plan funder receives recovery of premiums paid plus 10% interest. 4. The insurance company writes lots of policies and receives premiums. 5. Your humble servant receives a commission from the insurance company to buy bread and milk for his family.

MAKE THEM AN OFFER THEY CANT REFUSE.

MARLON BRANDO ~ THE GODFATHER

GO AHEAD MAKE MY DAY.

CLINT EASTWOOD ~ SUDDEN IMPACT

CARPE DIEM. SEIZE THE DAY, BOYS.

ROBIN WILLIAMS ~ DEAD POETS SOCIETY

TODAY, I CONSIDER MYSELF THE LUCKIEST MAN ON THE FACE OF THE EARTH.
GARY COOPER ~ THE PRIDE OF THE YANKEES

YOUVE GOT TO ASK YOURSELF ONE QUESTION. DO I FEEL LUCKY?

WELL, DO YA, PUNK?
CLINT EASTWOOD ~ DIRTY HARRY

AFTER ALL, TOMORROW IS ANOTHER DAY.

VIVIEN LEIGH ~ GONE WITH THE WIND

NO COST LIFE INSURANCE GOES TO THE MOVIES.

Your Name Email Cell I want to buy a Mercedes with no out of pocket cost. I want to gift each of my children or grandchildren $1,000,000 with no out of pocket cost. I want to help create $170 million for my favorite nonprofit with no out of pocket cost. I have a friend who may be interested. None of the above but I want one of the prizes.