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www.lastchanceretirement.biz/OrderPage11-09.html

- January 2012 -

All Co. 20 Year Charts Updated with 2011 Index Gains

Includes 7 NEW co's for 2012

Item #10 on Order Page

 This is the ONLY Manual in the industry that provides information about all 31 of the IUL Co's and their IUL! 

  This gives you information at your fingertips for your own education and demonstrates to your client that you are truly knowledgeable about the overall IUL market and "substance" about why you are recommending one co. vs. another.

  Included is a Summary about the Co. and the Features about their IUL AND an Analysis Chart of how it would have performed over the prior 20 years (1992-2011).  These charts provide an Apples-Apples comparison of the IUL's with all 31 companies!

1) Company SUMMARY

 - Co. Rating and History

 - IUL Cap, Minimum & Participation Rate

 - Indexes Offered

 - Minimum Rate (Account Value &/or Lifetime)

 - Bonus

 - Surrender Period

 - Accelerated Death Benefit

 - Loan Options

 - Over Loan

 - Sweep Method

 - Fixed Account Requirement

 - LTC / Living Benefits

 - Other Pertinent Co. &/or Policy Information

2) POLICY ANALYSIS

  A year-by-year analysis chart for each co.'s IUL(s) that shows what the following would have been for each of the past 20 years (1992-2011):

 - Credited Cap Gain (assuming current cap)

 - Policy Cost (Annual & Total)

 - Accumulated Account Value

 - Accumulated IRR

  The result is what the "actual" Cash Value and IRR would be for the policy for the prior 20 years.  They also provide a true apples-apples comparison (based on approximately equal target) so that you REALLY compare each plan fairly and honestly!

  The Analysis Charts are all based on Option B (Increasing) Insurance during premium stage / Maximum Funded (minimum insurance) / M50 NSP / $12,000 annnual / and matching Target

Deluxe Sample:       SEE BELOW

3) Company Illustration

  The next step is a Co. Illustration with Year 20 Account Value that approximates the result in the Analysis Chart.  The resulting Illustration Rate is the Apples-Apples rate to use when comparing companies (because you CANNOT use the same illustration rate to compare different plans - for more on this see below!).  These are available in PDF files (The deluxe Manual includes paper illustration pages & PDF's).

This is the most comprehensive

(and ONLY) Reference Manual

of its kind in the industry!

A Bargain for only $30!!

 More on Why You Want this Manual!

   99.9% of advisors - and laypeople - think they can compare Indexed Life plans by simply running an illustration using the company's default Illustration Rate (IR).  WRONG! 

  The reason why you can't is because NONE of assumptions used by each company to calculate this rate are the same - you are comparing apples vs. oranges! 

 First, of the 31 primary IUL companies ...

              Look back 20 years: 19

              Look back 25 years:   6

              Look back 30 years:   6

  Of those that look back 20 years, 3 go to 2009 - not 2010.  The longer they look back - and the less current it is - the higher the IR will be!  A difference of just 2/10ths can make a noticeable difference - but after this and other adjustments (next) the difference in the IR can be 1.5%!

  Some also have a NON-guaranteed bonus or a participation rate other than 100%.  Plans with bucket periods (5 and 6 years) may also have Renewal Caps that can be different than the 1st year cap! Two companies have a historical rate of 7% - but their default IR is 8%!  For these reasons it is IMPOSSIBLE to compare plans based on the default IR used by each company!

These Charts Provide an Apples-Apples Comparison!

 You also CANNOT compare by running them at the SAME rate either!  This is because different caps have different costs.  If you compare a 16% vs. a 12% cap, the costs for the former are higher than they would be if they were also only 12%.  Some also have an annual minimum cash value guarantee - yet others have a future bonus (guaranteed and some not guaranteed).  With different crediting moving parts, it is not possible to compare them by making just 1 part the same and forgetting the others entirely. 

  All of these IR's also are based on 1 day of the year - most are in Dec., some Jan. and one in Sept.  Even those in Dec. use a different day.  This Manual sets each Co. to the same 20 year period,  and uses an average of the quarterly annual gains (March 30 - March 30; June 30 - June 30; etc) for each to give a comprehensive picture of the gains over the ENTIRE Year!

  The result is a comprehensive Reference Manual  for 31 companies that also includes:

- phone directory

- S&P Historical Analysis

- S&P Historical Analysis WITH Dividends

- Morningstar Mutual Fund Expense report

- S&P and IUL Historical Running Gains Chart

   (for ALL 5, 10, 20 and 30 yr periods to 1945)

          [This Chart Alone is "worth" $30!]

 All Co's Comparisons on One page:

- Sweep and Fixed account policy for each co.

- Accelerated Death Benefit chart

- Ratings chart

- Top 200 Co.'s Ranking List for IUL co.'s

- and MUCH MORE!  

  This Manual is for the agent who really wants to be an IUL Expert and knowledgable about the entire Market!

1) Reference Manual

  Includes Flexible Binder

B&W  $30

Color  $39

 2) Deluxe Manual 

 - Pages in Color on Laser
   Paper

 - A to Z tabs

 - Notebook Binder     

a) with PDF Ill.       $49

b) with Paper & PDF Illustrations     $65

For other package prices with the Qualified Manual & PPT go to the 'Order' tab.

 "I have been going 
  over your Indexed
  Life Reference and
  Comparison Manual and
  have concluded that it is
  invaluable.  It really
  separates out the
  rhetoric from reality
  and zeroes in on the
  substantial differences
  among the various
  policies.   It is need-to-
  know information and
  will be of great value
  in my future  
  presentations."
   J. Stonehouse 6/11 

"Nice work! That's a hell of an effort on your end putting all that together."

Alan Haft / Newport CA

"This manual is particularly effective for the seasoned agent in the field of labor to quickly establish credibility with the facts – not opinions, but the facts.  The Mutual Fund management fees and transaction costs are very illuminating, and I have not found anyone who attempts to defend them once they see the facts.  I could go on, but as I’ve come to expect, you have provided a powerful tool and thank you for your work."

Dean A. / ID

"WOW, is it
comprehensive! You did an awesome job of compiling an awful lot of statistics and info.  As for the total benefit; I believe that it will enable me to do a better job for my clients. By that I mean the products I recommend will be more appropriate in terms of performance.
There are many good products but the final returns are sometimes very different. Your work and reports make it easy to compare products in a meaningful way. I can tell you I am excited - I just ran 2 illustrations with "x" co. and they knock the socks off the company I thought was outstanding."

George B. 3-10