Presented by Dr. Phillip Yang First Financial Security, Inc.

The 1st problem, your family will suffer

The 2nd problem, you will personally suffer

Solution Life Insurance

Do you know what you have? Will it be there for you when you needed? Is it enough?

Term Life

Permanent Life

1. Low Cost Initially

1. Higher Cost Initially

2. Cost goes up @ your 2. Cost remain level renewal term (5,10,20yr) 3. No Equity 3. Builds Equity 4. Coverage Ends 4. Cover up to 120 yrs

Problem # 2 What if you live too old?

What if youre not able to work? Do you have enough saving? What do you have to protect yourself ?

Taxable Stock Tax Qualified Plans :

401K 403 B

Tax-Free Municipal Bonds Roth IRA Life Insurance Build cash value Provides protection

Mutual Funds
Real Estate

Social Security

Low interest Limitation of contribution $4,000 yr Decreasing value in time High income earner not eligible to participate

Capital Gains

Income

The product we offer is Safe Liquidity Tax free

Index Universal Life with LSW

Protection & Potential

$170,000 $160,000 $150,000 $150,073 $149,937 $140,255 $139,237 $131,080 $126,925 $117,435 $122,504 $114,490 $107,000 $103,775 $95,529 $90,000 8/1997 8/1998 8/1999 8/2000 8/2001 8/2002 8/2003 8/2004 8/2005 8/2006 8/2007 8/2008 8/2009 $105,012 $122,504 $115,449 $129,330 $133,977 $134,631

$100,000 Invested in 1997

$166,359 $155,476 $152,488 $166,359

$140,000 $130,000
$120,000
The above graph is for recruiting purposes only and does not reflect any particular product or investment. Index Account assumes annual point to point with a 7% cap. Large company stock numbers provided by Yahoo Finance and calculated by FFS. Results may vary.

$110,000 $100,000

This is not a solicitation or offer to purchase any product. FFS is not a franchise. FFS does not charge any fees for the right to engage in the business of offering, selling or distributing goods or services. Use for recruiting purposes only.

Large Company Stocks

Indexed Account

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Wealth Transferring/Accumulation
Old Way
Older and no plans, no money, no life insurance.
Funeral cost $30k (-$10 to 20k)

New Way
1st generation buys insurances for themselves and for the children $100k cv $400k+
Funeral cost $50k (+$350k)

Children buys life insurance for parents ($10-25k)

Funeral cost $40k (-$30 to 40k)

2nd generation buys life insurance for their children $100 cv $750k+
Funeral cost $100k (+$1 million) 3rd generation continue process Prosperity & wealth accumulation will be among generations to come. $1,000,000

Repeat processChildren buys life insurance for parents ($2550k)

TRADITIONAL MODEL
PROVIDERS

COMPANY

60%

AGENT BOB

AGENT LEE

OUR BUSINESS MODEL

ANICO AE LSW

PROVIDERS

NL

FFS

IM

50% +20% 30%

AGENT WILLIAM

AGENT LEE
D E F

OUR PRODUCT PREFERREDPROVIDERS PRODUCTS PROVIDERS PREFERRED

American Equity Invest American Nat. Ins. Co Life Ins. Comp. of the Southwest Lincoln Benefit Life Nat. Western Life Ins. Co

ADDITIONAL PROVIDERS

Indexed Annuities Indexed Universal Life, Small Company Retirement Planning Indexed Universal Life, Indexed Annuities Universal Life, Term Life Indexed Annuities

Illinois Mutual West Coast Life

PRODUCTS Disability Ins., Return of Premium (ROP) Term

Fee: $125 Get life license Purchase E&O Ins. Unlimited territory Unlimited opportunity Huge income potential Control Your Own Destiny

All FFS Compensation plans and Promotion Standards are subject to change without notice. Commissions based on gross field payout. To ensure quality growth throughout our organization, all RMDs must validate for their position by maintaining the minimum leader legs and production points required for that promotion level. The validation period for RMDs and up is a rolling 12 month period. No more than 1/3 of promotion point credit can come from any one legs production. A recruit leg counts if they have joined FFS, holds a valid insurance license in their resident state, and becomes appointed with FFS preferred companies. Production requirements are Super Team RMD Base thru 6th Generation closed points AV. FFS pays 100% of gross commissions on all products to the field. FFS is a financial services company marketing various insurance products throughout the U.S. To represent or earn a commission from FFS, you must be properly licensed and appointed in your state. The examples in the brochure are for recruiting purposes only and are not a solicitation of any product. **See current Company Override Pool, Diamond Club Pool, and SEFC Bonus Pool guidelines for complete details.

GENERATIONAL OVERRIDES are earned once you become an RMD or higher and are based on what generation a leader is to you. For example, an RMD who personally reports to you would be a 1st Generation and an RMD who reports to him/her would be a 2nd Generation to you and so on. Generational Overrides are paid in addition to infinity overrides.

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