Title: Helping you achieve your dreams
1Helping you achieve your dreams
2GOLD COIN GROUP INC.
3Our Financial Planning Process
4How Important is Your Income?
- Your ability to earn an income is your primary
financial contribution to your family. - Your income secures a comfortable standard of
living for them today and for you tomorrow. - Premature death, disability and old age will
destroy your earning power. - When you cannot go to work, you must have a
sufficient fund of dollars to put to work to
replace your income.
5What Would Happen to Your Family if You Died
Prematurely?
- How will you guarantee them food, clothing and
shelter? - What about the mortgage or rent payments?
- How will they pay for last expenses and fees?
- What about your outstanding debts and
liabilities? - How will you guarantee your childrens future
through a good education? - How long could your family survive without the
bills paid and a regular and guaranteed source of
income?
6Family Security Analysis
- When an income provider dies, his/her family
faces two important money needs - Immediate Cash
- Continuing Income
- Your confidential Family Security Analysis will
help you measure the gaps between your familys
needs and currently available resources.
7Family Security Analysis
Cash Required (1) Last Expenses
___________ Debt ___________ Mortgage ________
___ Education ___________ Other ___________ Tota
l _________ Cash Available (2) Savings
___________ Investments ___________
Personal Insurance ___________ Group
Insurance ___________ Government
Plans ___________ Total _________ Cash
Surplus (3) or Deficit (4) _________ (1) - (2)
(3) or (4)
Income Required (5)
__________ Income Sources Invested Surplus
(3) x __ __________ Survivors Employment
Income __________ Government Plans __________ Oth
er __________ Total (6)
__________ Income Deficit (7)
__________ (5) - (6) (7) Capital Required
(a) __________ (7) divided by
__ Total Insurance Required
__________ Deficit (4) Capital (a)
8Unplanned Choices for the Non-Insured
- Your family could re-mortgage or move.
- They could collapse their savings program.
- You could deny your children an education.
- They could rely on family, charity or welfare.
- They might borrow money if they could find a
willing lender. - They could drastically reduce their standard of
living.
Is this what you would want for them?
9The Insured Solution
- Pays a tax free lump sum amount to your family at
their worst moment of crisis. - You create needed dollars tomorrow for only
pennies today. - Your family can choose where to direct the money
- Pay off the immediate bills
- Eliminate the mortgage
- Invest for a continuing source of income
- Put aside for the childrens education
Provide your family financial peace of mind
10Build Your Own Program
- Option A Term Insurance Coverage
- Low initial cost
- Face amount paid at death
- Rates increase over time
- Future conversion to Option B available
- Option B Permanent Insurance Coverage
- Level premiums for life
- Built-in flexibility at several levels
- Face amount paid at death
- Grows cash values for your future security
- Option C Combination Coverage
- Combine Options A B to create your own unique
program to suit your budget and family needs
11Lets See if you Can Qualify Today
- The best time to apply for insurance is now,
while you are young and healthy. - Life insurance is like a parachute when you
really need it, you cant get it! - A small deposit with your application can start
your coverage immediately, subject to certain
restrictions. - If you cannot qualify, your deposit will be
returned in full. - If you do qualify, you will have a 10 day period
to examine the policy and return it with no
questions asked if you change your mind.
Is there any reason why you shouldn't take
action today?