"If—God forbid—you suddenly died today, what plan is in place to pay for the funeral or cremation and burial or memorial services your family will want to arrange?”
Chances are you’ve helped many families plan to pay for several significant life steps—weddings, college educations and retirement. Chances are you’ve helped them save, invest and protect assets so that money is there when they need it. You’ve even sold life insurance to protect the young family from financial devastation in the event of an untimely death. However, unless you are a Final Expense expert or a Funeral “Preneed” Advisor, you may never have asked a client or prospect the specific type of question highlighted above.
Thanks for stopping by this page to investigate the benefits of the AssetGuard Plan; the insurance-funded Trusts from National Guardian Life Ins. Co., Inc (NGL).
(A.M. Best, A- Excellent)
info@lifestepslive.com
Five Reasons to Start Selling NGL’s AssetGuard Now:
1. Huge Opportunity—the SENIOR Market population is exploding!
• Over the next 20 years, 80 million people are expected to file for Social Security benefits
• Families want the “Peace of Mind” of having these expenses covered...sales of AssetGuard
nationwide have grown by 109% in the last two quarters!
2. The Trust Options Provide Excellent Benefits
• The Funeral Trust Option provides IMMEDIATE exclusion of assets* from Medicaid
consideration (Cap in most states is $15,000)
• The Estate Planning Trust Option provides exclusion of assets from Medicaid consideration
after five-year “look back” (per the Federal DRA, 2005)…Excess proceeds go to a designated
beneficiary (individual or charity—church, etc.)—no tax, no probate process (Cap is $50,000
everywhere!)
• Death Benefit Grows at a guaranteed rate—credited daily
3. “No Hassle” Application
• Two SIMPLE pages (plus an EFT form, if elected)…Are you tired of the “paper shuffle” with so
many products?
• One Health Question—if “no,” Standard Issue; if “yes,” then Guaranteed Issue is to age 99!
Everyone qualifies!
4. Easy to Fund
• We’re getting 93% Single Premiums—Cash from CDs and Money Markets, 1035 Exchanges,
10% Withdrawals and “top drawer” money • Multi-pay Options Available
5. Great Commissions
• You’ll get the MOST GENEROUS street-level schedule in America!
• Earn an extra $7,000 - $10,000 per month
*Medicaid regulations vary widely from state to state. A few states have lower caps. Not available in New York.
info@lifestepslive.com
Additional Benefits to Your Clients and Prospects
The average American’s estate at the time of death comes up short of having the “liquidity” needed to pay a funeral home and cemetery (Expenses which can easily run $10,000 - $12,000 combined) at the time arrangements are made. Either of the AssetGuard Trusts will distribute the funds to these service providers within 48 hours of claim—even without having to wait for a death certificate!
What’s more: these plans can be used at any funeral home or cemetery in the United States; they are “perfectly portable” and do not require the client to be “locked in” at a specific, local, funeral business.
The unique blending of life insurance, trust and annuity features provides an increasing death benefit and a tax-free distribution when needed.
Peace of Mind; families can focus on telling your client’s Life Story and the things that begin healthy grieving. The money will be there; thanks to you!
Getting Started
Send an email to info@lifestepslive.com; type “AssetGuard Contracting & Collateral” on the subject line…you’ll receive everything you need for your due diligence and for getting started by immediate reply!
