Introduction to Leveraged Planning Programs

Presented by: Suzy Turner, Financial Services Manager

Leveraged Planning is a registered trademark of Entaire Global Intellectual Property, Inc. Not for use with the public - for education and training purposes only Rev. Date 9/25/2012

Global Financial Distributors

Exclusive marketer of Leveraged Planning programs

Leverage-based funding for: o Life Insurance o Annuities o Business Planning Strategies

Not for use with the public - for education and training purposes only

The Business Owner Market Space

Corporations Partnerships

Larger: > 50 Employees Smaller: < 50 Employees

Not for use with the public - for education and training purposes only

The Target Market

< 50 employees (LLC, C-Corp, S-Corp, LLP)

Characteristics
Common Industries Credit Score

Medical
Finance Construction Age/Income Range Age: 45-60 Income: > $250,000

Min: 550
Ideal: > 650 Net Worth Unencumbered assets equal to the greater of $1,000,000 or the loan amount (Life Only / Call for Annuity)

Not for use with the public - for education and training purposes only

Leveraged Planning
In typical cases, the planning strategies are designed to benefit the owner of the business, their designee or a specific business need, such as:

Buy-Sell

Estate Planning

Executive Compensation

Wealth Transfer

Not for use with the public - for education and training purposes only

Why Clients Choose Leveraged Planning

Benefits for the business owner of using other peoples money

o

Maintain free cash flow for business reinvestment, etc. Potential for favorable tax considerations Magnified buying power

o o

Not for use with the public - for education and training purposes only

Leveraged Planning

Three Parties to the Transaction

Global One Financial (G1)
The Business (LLC, C-Corp, etc) The Business Owner

Global One extends a commercial loan to the business

Global One Financial (G1) Loan Arrangement The Business (LLC, C-Corp, etc)

Not for use with the public - for education and training purposes only

Leveraged Planning
The business (may) extend a loan to the business owner (or key employee)
The Business (LLC, C-Corp, etc)

Loan Arrangement

The Business Owner

Loan proceeds must be used to purchase an (approved) insurance or annuity product

The Business Owner Loan Proceeds G1 Authorized Insurance Product

Not for use with the public - for education and training purposes only

Leveraged Planning
The business takes out and services a loan (paying interest), while the business owner, or other designated individual, benefits from the program. Interest Options:
Current Pay Rollup Amortizing Switch Between Options

Not for use with the public - for education and training purposes only

Benefits of Marketing Leveraged Planning

Average annuity loan size: $750,000

Average life program = $5,000,000 death benefit Extensive case support and design assistance from dedicated GFD Financial Service Managers

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Not for use with the public - for education and training purposes only

Case Studies
The Client: David Salmanson, 48
48 years old, hadnt funded any form of death benefit for

his familys needs

Required a death benefit of $10,000,000 and wanted to borrow to achieve his goals. Using a Leveraged Planning program, Mr. Salmanson took out a loan that required annual interest payments of $77,449. The cash value of the policy when Mr. Salmanson was age 70 was projected to be $4,739,261 (the death benefit remains level at $10mm) from which he could choose to payoff the loan principal, or opt to allow the principal to be paid from the death benefit.

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Not for use with the public - for education and training purposes only

Case Studies
The Client: Walter Flynn, 55
Mr. Flynn required a death benefit of $4,300,000

Mr. Flynn also hoped to secure a retirement income of $100,000 per year or more at age 65.

Using a Leveraged Planning program, Mr. Flynn took out a loan that required annual interest payments of $47,500 to maintain his death benefit. The projected retirement income at age 65 will be approximately $116,400. Mr. Flynn will be able to use either the cash value of the policy or other business assets to pay off the loan.

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Not for use with the public - for education and training purposes only

10 Reasons to Market Leveraged Planning

No Personal Guarantee Highly Competitive Rates Streamlined Annual Review Financing/Refinancing of Existing Policies/Loans Broader Range of Carriers Accepted Low Minimum Loan Size

Expertise

Loan Servicing Flexibility 48 Hours of a Preliminary Offer No Recurring Trust or Legal Fees
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Not for use with the public - for education and training purposes only

Contact Information

Web www.globalfd.com Mailing Address Global Financial Distributors, Inc. 1200 Ashwood Parkway Suite 150 Atlanta, GA 30338 Phone: Fax: 800-515-2599 770-923-2553

Email: sales@globalfd.com

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Systems and methods and/or software related to Entaires Leveraged Planning programs are covered by U.S. Patent Nos. 7,797,214; 7,797,217; and 7,797,218. Not for use with the public - for education and training purposes only