Ham, Dr. Steven

Tough Questions. Simple Answers. Life Insured.

Executive Summary

We believe we have identified simply the best way to manufacture tax free money for your use.

Our program is new, low cost and guaranteed to deliver.

The triggering event occurs when your doctor says you need substantial assistance to perform at least two Activities of Daily Living (ADL).

Activities of daily living are the first five or six things that you do when you wake up in the morning. Additionally, cognitive impairments immediately qualify you as well. Our plan guarantees:

· A $500,000 pool of money during lifetime or at death

· Income Tax Free Cash

· No Restrictions on How Money is Used

· $10,000 Monthly Benefit (May be Annualized)

Money flows only one way. While you are receiving benefits, premiums are waived. Once you have received 25 monthly benefits, premiums are waived forever while coverage continues for life. Lifetime benefits are received until the entire benefit pool is exhausted. Any remaining amounts are payable tax free at death.

Level premiums are set low and generate no cash value. Policy performance is guaranteed and not dependent on any market conditions.

The need for future cash flow is immense. Based upon your current good health, this plan is seen by many to be the most effective way to deliver it.

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