40 Par Whole Life. Learn How to Save Money without Risk or Taxes for a Lifetime of Financial Security. Here's the problem...

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1 40 Par Whole Life Learn How to Save Money without Risk or Taxes for a Lifetime of Financial Security Here's the problem... Saving and investing your money for college tuitions / for weddings / [and] for retirement accumulating cash reserves and compounding interest without taxation without risk of loss without asset allocation without brokerage accounts and without investment fees or management expenses. Because saving money and earning compound interest is the foundation of financial security... it always has been

2 and it always will be. But saving money isn't easy and investing it can be risky expensive and complicated. So what's the solution? A contractually guaranteed lifetime savings plan under Internal Revenue Code sections 101 and 7702 which enable you [to] deposit money / earn money / [and] borrow money ALL without any taxation or reporting to the IRS and without investment risk management fees brokerage accounts or any asset allocation and diversification. The solution is... participating whole life insurance... because it combines

3 guaranteed growth and annual dividends with tax advantages income provisions and contractual safeguards for a lifetime of financial security. Because it participates in the profitability of the insurance company... AND because it it insures your whole life... not just the end of your life. Here's how it works... you choose the amount of money you want to save and commit to every month or every year... typically a percentage of your income. And the cash value of your contract is guaranteed to increase every year while your money is also invested in the profitability of the insurance company.

4 Because a mutual insurance company has no stockholders to share in its profitability. So the policy owners are entitled to share in the company's surplus earnings through the payment of annual dividends declared by the company's Board of Directors. [and] Although these dividends are NOT guaranteed... many mutual companies have paid dividends every year for more than 100 years even during periods of economic adversity. And your dividends can be added to your guaranteed cash value... which means that ALL your money keeps growing tax free and doesn't vanish when the stock market crashes or real estate values tumble.

5 What's more... you don't need to sell assets or cash out investments in order to access your money for retirement or college educations to buy cars or pay for weddings... Because you can always borrow up to 100% of your cash value without any delay or credit approval and without any taxation anytime you want while your money continues to grow AND earn dividends also without taxation. For example... Ron was just 26

6 when he began saving money in his first whole life insurance contract. He started with $200 a month and worked up to $500 a month before he married Karen. Then she too began saving a portion of her income in her own whole life insurance contract. So by the time Ron and Karen were in their early 30s they were saving 10% of their monthly income. And over the years as they borrowed money from their insurance contracts to buy cars and pay for home improvements they always paid it back with interest... which increased both their cash value and their dividends. So when they retired in 2004

7 they had 11 cash value insurance contracts with more than $1,400,000 in savings paying annual dividends of more than $70,000 in addition to $3,500,000 of tax free insurance coverage. Saving your money in participating whole life insurance won't give you any potential for big investment returns. But you won't lose any of your money you won't need to pay tax on your money and you won't pay investment advisors or management fees [either]. [however] It WILL give you an average compound rate of return that is guaranteed to increase every year... and entitle you to a share of the company's surplus earnings through annual dividends.

8 So ask yourself this... with all these advantages and tax benefits... why wouldn't you save and invest your money in participating whole life insurance?