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Fax: (770) 804-5631
Email: broth@fscadvisor.com

How to compare policies

Sample No-Load Survivorship UL Ledger

Sample No-Load Single Life UL Ledger

Sample No-Load Max Funded Ledger

No-load Life Insurance is a traditional "Universal Life" policy, except that it carries none of the traditional charges and fees associated with Universal Life Insurance. With No-load Life Insurance, there are no front-end fees, no surrender charges, no administration charges, no withdrawal charges and no sales charges. The way it works is simple:

• 100% of the premium that you pay goes directly into your policy account.
• Only the cost of insurance and any benefits provided by a rider (if you have elected one) are deducted from the account on a monthly basis.
• Interest is credited to your account on a monthly basis.

Since it is a Universal Life policy, No-load Life Insurance is very flexible. There are no requirements as to when the premiums must be paid (except for the first premium). The coverage amount of your policy may be changed at any time after the first year (increases are subject to additional underwriting). Withdrawals can be made anytime after the first year, and policy loans are available immediately. The type of death benefit can be designated as fixed or increasing, depending on your preference.

Some other benefits of this policy include:

• Guaranteed minimum interest rate (currently at 3%)
• Non-guaranteed interest rate (currently at 5.4%)
• Lower premiums since there are no expenses
• Option to issue as first-to-die or second-to-die
• Guaranteed coverage after age 100 (if there is any cash value in the policy when the insured turns 100, the cost of insurance deduction is stopped.)
• Underwritten by one of the largest insurance companies in the world (AM Best rating of A+, S&P rating of AA+, and Fitch rating of AA+)
• Preferred underwriting class available

There are many different uses for this type of policy. For example, No-load insurance is ideal for deferred compensation since the policy immediately contains a high cash value (often more than the premium), which has a minimal impact on a company's financial statements. Other uses include estate planning, bank-owned life insurance, trust-owned life insurance (ILIT's), group term carve-outs, and individual cash accumulation vehicles, to name just a few.

Our goal at Roth & Associates is to take as much of the conflict of interest out of the insurance buying process as possible. That is why our company is independent of all insurance carriers. Since this product is free of the hidden charges and fees that are normally used to pay the broker's commissions, we offer it on a fee basis. At Roth & Associates, we feel that No-load insurance is the only policy that is truly in the best interest of you, our client.

*Securities and investment advisory services offered through FSC Securities
Corporation, member FINRA/SIPC, and a registered investment advisor.
Additional investment advisory services offered through Coordinated Capital
Corporation, a registered investment advisor not affiliated with FSC Securities
Corporation. Fixed and/or traditional insurance services offered through
Roth & Associates, Inc. Roth & Associates, Inc., is not affiliated with FSC Securities
Corporation or registered as a broker-dealer or investment advisor.
FSC Securities Corporation does not provide tax or legal advice.

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