No Cost Life Goes to the Movies

7/29/2019 No Cost Life Goes to the Movies

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JACK NICHOLSON ~ A FEW GOOD MEN


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1. Buy A Mercedes WithNo Out Of Pocket Cost.

How to

3. How To Help Create$170,000,000 For YourFavorite Nonprofit.

2. How You Can Gift Each Of YourChildren Or Grandchildren $1,000,000Each At No Out Of Pocket Cost.


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FULL DISCLOSURE.

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 havesome fun andgo to the

movies!

1. Ive been in the insurance business for 45 years, the last20 years specializing in the nonprofit world. Our concepts

can be used by most of you for your own reasons.


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TOTO, IVE GOT A

FEELING WERE NOT

IN KANSAS ANYMORE.

JUDY GARLAND ~ WIZARD OF OZ


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LIFE INSURANCE ISDIFFERENT TODAY.

o Its modern, sophisticated,

and flexible.

o I will demonstrate how it

can be used in ways younever imagined.


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ELEMENTARY,

MY DEAR WATSON.BASIL RATHBONE ~

THE ADVENTURES OF SHERLOCK HOLMES


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FASTEN YOUR SEATBELTS.

THIS IS GOING TO BE ABUMPY RIDE

BETTE DAVIS ~ ALL ABOUT EVE


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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 manyareas. Please let me show you some

of the more innovative techniques.


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HOW TO BUY A NEW

MERCEDES WITH NO OUTOF POCKET COST.Let me give you a scenario. An individualwants to buy a Mercedes but doesnt want

any out of pocket expense.

She has a $200,000 CD at the local bankpaying 0.5%.

She doesnt need the CD or its income.

Its extra money.

She transfers the $200,000 to a specialPenn Mutual insurance policy.

The policy cash value is $200,000.


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This policy historically earns:

At the beginning of the second year, she canborrow from Penn Mutual, not from her

policy, up to 40% of the prior yearspremium.

She does so, goes to the Mercedes storewith an $80,000 check in hand and pays

cash for her new Mercedes.

1 year 5.60%

5 years 6.50%

10 year 7.07%

20 years 7.73%


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MADE IT, MA.

TOP OF THE WORLD.JAMES CAGNEY ~ WHITE HEAT


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IM KING OF

THE WORLD.LEONARDO DICAPRIO ~ TITANIC


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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 enoughcash 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 CDwould now be worth $205,653 and shenever would have had the pleasure ofthe Mercedes


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SHOW ME

THE MONEYCUBA GOODING, JR. ~ JERRY MCGUIRE


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How you can gifteach of your children

or grandchildren$1,000.000 each at no

out of pocket cost.

What are the qualifications?

This plan has several variations dependingon a persons age, net worth, health, etc.

3. Reasonably insurable.

4. Insurance capacity.

1. $5 million net worth.

2. Under age 70.


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MILLIONDOLLARGIFT TOCHILDREN.

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.

Heres an Example:


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WHATS THE PROCESS?

1. The couple applies for a $5 milliondollar policy.

2. Its issued and Wells Fargo paysthe premium.

3. The policy sits in a trust keeping thepolicy benefits out of the estate.

4. The trust beneficiaries are thechildren and grandchildren.


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WHATS THE PROCESS?

5. The policy premium loan interestaccrues 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 seconddeath.

8. Premium loan may be paid out ofthe policy cash values or continuedindefinitely.


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WAIT A MINUTE.

WAIT A MINUTE.

YOU AINT HEARDNOTHIN YET.AL JOLSON ~ THE JAZZ SINGER


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Many of you sit on nonprofitboards or you know someone whodoes.

Many of you know the presidentof the local college or hospital orknow someone who does.

These nonprofit decision makers

are in trouble.Their endowments are down.

Their donations are down.

They need help.


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EPOCHINTERNATIONAL

Epoch is the answer. Epoch is a planthat in the right situation can create$170 million over a 27 year period for anonprofit with no out of pocket cost toany donor or to the organization.


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I HAVE ALWAYS

DEPENDED ON

THE MERCY OFSTRANGERS.

VIVIEN LEIGH ~ A STREETCAR NAMED DESIRE


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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.


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MECHANICS OF THE

EPOCH PROGRAM:

1. Each person will be insuredfor $2.5 million.

2. The policies will be placed intoa 27 year trust.

3. The nonprofit is the beneficiary

of the trust.4. Corporate employee pension

plans will fund the policies.


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1. The nonprofit receives huge cash flowwith no financial or legal responsibility.

2. Each plan participant makes a large giftto his/her favorite nonprofit.

3. The plan funder receives recovery ofpremiums paid plus 10% interest.

4. The insurance company writes lots ofpolicies and receives premiums.

5. Your humble servant receives acommission from the insurance companyto buy bread and milk for his family.

WHO BENEFITS?


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MAKE THEM AN

OFFER THEYCANT REFUSE.MARLON BRANDO ~ THE GODFATHER


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GO AHEAD

MAKE MY DAY.CLINT EASTWOOD ~ SUDDEN IMPACT


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CARPE DIEM.

SEIZE THE DAY,BOYS.ROBIN WILLIAMS ~ DEAD POETS SOCIETY


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TODAY, I CONSIDER

MYSELF THE LUCKIEST

MAN ON THE FACEOF THE EARTH.

GARY COOPER ~ THE PRIDE OF THE YANKEES


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YOUVE GOT TO ASKYOURSELF ONE QUESTION.

DO I FEEL LUCKY?WELL, DO YA, PUNK?

CLINT EASTWOOD ~ DIRTY HARRY


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AFTER ALL,

TOMORROWIS ANOTHER DAY.

VIVIEN LEIGH ~ GONE WITH THE WIND


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NO COST LIFE INSURANCEGOES 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 nonprofitwith no out of pocket cost.

I have a friend who may be interested.

None of the above but I want one of the prizes.

Documents

No Cost Life Goes to the Movies