L I F E I N V E S T O R S F I N A N C I A L G R O U P , I N C .55142 0311

Main Office: 4333 Edgewood Road NE

Cedar Rapids, IA 52499

www.lifgonline.com

55142 0311 Securities offered through Transamerica Financial Advisors, Inc. member FINRA, SIPC

®

L I F E I N V E S T O R S F I N A N C I A L G R O U P , I N C .55142 0311

Quality doesn’t matter

the only thing that matters.until it matters, and then it’s

Transamerica Life Insurance Company Western Reserve Life Assurance Co. of Ohio

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AEGON companies, including Transamerica Life Insurance Company and Western Reserve Life Assurance Co. of Ohio have strong industry ratings.

L I F E I N V E S T O R S F I N A N C I A L G R O U P , I N C .55142 0311 3

Our Mission:To help protect, grow and preserve clients’ assets.

Our Focus:The effective use of financial service products.

Our Purpose:Serving clients’ needs.

We help accomplish this through...

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L I F E I N V E S T O R S F I N A N C I A L G R O U P , I N C .55142 0311

Our Services:• Familylifestyleprotection

• Strategiestohelpmeethighereducationgoals

• Definingandfindingstrategiesforretirementgoalsandobjectives

• Strategiesforestateandbusinessissues

Our Products:• Lifeandhealthinsurance

• Disabilityincomeandlong-termcareinsurance

• Annuities

• IRA,SimplifiedandRothIRA

• SEP

• 401(k)

• 401(k)Rollovers

• IndexAnnuities

• 529Plans

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®

L I F E I N V E S T O R S F I N A N C I A L G R O U P , I N C .55142 0311

6Implementa Strategy5

ReviewPeriodically

4 Discuss a Strategy

Follow the Road to Success

L I F E I N V E S T O R S F I N A N C I A L G R O U P , I N C .

Look at the Facts

Set Goals& Priorities

Gather Facts

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L I F E I N V E S T O R S F I N A N C I A L G R O U P , I N C .55142 0311

A Financial Strategy

HealthInsurance,Property,Casualty,Auto,orLong-TermCareinsurancearenotofferedthroughTransamericaLifeInsuranceCompany,

Western Reserve Life Assurance Co. of Ohio or Transamerica Financial Advisors, Inc.

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LIFE INSURANCE

RiskManagement

Foundation

• Live Within Your Means• Emergency Reserves• Insurance Policy• Systematic Savings

Distribution

• Maintain Purchasing Power• Preserve Capital• Long-Term Care

Accumulation

• Increase Savings• Taxes• Update Insurance Needs

• Lifestyle ProtectionHealth

InsuranceDisabilityInsurance

PropertyCasualty/

Auto Insurance

• Retirement Plans• Savings

• Business Ownership

Pass onPersonal

andBusinessAssets

L I F E I N V E S T O R S F I N A N C I A L G R O U P , I N C .55142 0311

Your Family’sFinancial Security

Confidentially Prepared For

______________________________

_________________Date

Prepared By

____________________________

____________________________________________________________________________________

Personal Financial Inventory

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L I F E I N V E S T O R S F I N A N C I A L G R O U P , I N C .55142 0311

Asset Location Record

Wills / Deeds

Power of Attorney

Life Insurance

Health Insurance

Disability Income Insurance

Long Term Care Insurance

Property Casualty / Commercial Insurance

Investments/Retirement Income/Bank Accounts

Estate Strategies

Last Instructions to Family– Maria Murphy

Who would have known — we’re in our 40’s — I would lose my husband? Reality hit hard!! What now?

If something happened to you today, will your family know where to look?

The Personal Financial Inventory book I received as a part of this service has helped me organize all my financial affairs in one place. With this book, my children will know right where to go to find all the necessary documents. Bottom line — it gives me confidence knowing they’ll know what to do when it’s my time.

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L I F E I N V E S T O R S F I N A N C I A L G R O U P , I N C .55142 0311

Today, when we think about financial security for ourselves and our family, there are two ways to provide for it:

Short-Term & Long-Term.

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Long-termstrategiesmay

require putting money away

for 10, 20, 30 years or

evenlonger.Shortandlong-

term strategies help protect

ourselves in case of a family

loss and to fund our future

dreams and desires.

Protecting Your Family

New or Expanded

Business

Retirement

Education

Additional Accumulation

Personal Goal

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L I F E I N V E S T O R S F I N A N C I A L G R O U P , I N C .55142 0311

You can earn

Earnings alone are not enough...

...it’s what you keep that counts.

between your first and last paychecks.A Fortune

Average Monthly Income 25 30 35 40 45 50 55

2,000 960,000 850,000 720,000 600,000 480,000 360,000 240,000

4,000 1,920,000 1,680,000 1,440,000 1,200,000 960,000 720,000 480,000

6,000 2,880,000 2,520,000 2,160,000 1,800,000 1,440,000 1,080,000 720,000

8,000 3,840,000 3,360,000 2,880,000 2,400,000 1,920,000 1,440,000 960,000

10,000 4,800,000 4,200,000 3,600,000 3,000,000 2,400,000 1,800,000 1,200,000

12,000 5,760,000 5,040,000 4,320,000 3,600,000 2,880,000 2,160,000 1,440,000

Earned income at age 65 if you begin at age:

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L I F E I N V E S T O R S F I N A N C I A L G R O U P , I N C .55142 0311

•16aredead

•67arefinanciallydependent

•17arefinanciallyindependent

Out of every 100 people born 65 years1 ago:

A financial strategy can add more to your net worth than a lifetime of work.

1Social Security Administration, Office of Research & Statistics, May2008-Incomeofthepopulation55oroldertable3.A1,2008 US Bureau of Census, April 2008. We assume financial dependence is income less than $50,000.

Interest compounded annually at 8%

Age Savings Total Savings Total 22 $2000 $2,160.00 0 $ 0.0023 $2000 $ 4,492.80 0 $ 0.0024 $2000 $7,012.22 0 $ 0.0025 $2000 $9,733.20 0 $ 0.0026 $2000 $12,671.86 0 $ 0.0027 $2000 $15,845.61 0 $ 0.0028 $2000 $19,273.26 0 $ 0.0029 $2000 $22,975.12 0 $ 0.0030 $2000 $26,973.12 0 $ 0.0031 $2000 $31,290.97 0 $ 0.0032 0 $33,794.25 $2000 $2,160.0037 0 $49,654.84 $2000 $15,845.6142 0 $72,959.26 $2000 $ 35,954.25 47 0 $107,201.09 $2000 $65,500.4552 0 $157,513.56 $2000 $108,913.51 57 0 $231,439.10 $2000 $172,701.5465 0 $428,377.63 $2000 $342,633.61

Brother A Brother B

Brother A total saved: $20,000

Brother B total saved: $66,000

Thisisahypotheticalexampleforillustrativepurposesonlyandisnotintendedtorepresentanyspecificinvestment.Itdoesnotconsideranycostsassociatedwithinvesting.Theexampleisbasedoncompoundingafixedrateofreturnoveralongperiodoftime.However,mostinvestmentsgeneratefluctuatingreturnsandaninvestormayincuraprofitoraloss.Seekinghigherratesofreturninvolvesgreaterrisk.

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L I F E I N V E S T O R S F I N A N C I A L G R O U P , I N C .55142 0311

Did You Know?

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• 93%ofAmericanssaythatlifeinsuranceissomethingmostpeopleneed,yet one third of adults in the United States carry no life insurance at all.1

• Tomeettheexperts’recommendationofhavingenoughlifeinsurancetoreplaceincomeforatermof7to10years,thetypicalmarriedcouplewould need to double its current coverage.2

• Ifaprimarywageearnerdies,22%offamilieswithdependentchildrenadmitthey’llhaveimmediatetroublewitheverydaylivingexpenses.Another26%saythey’llonlybeabletocoverexpensesforafewmonths.2

1 LIFEFoundationandKeltonResearch,2008;FactsfromLIMRAInternational,20062 LIMRAInternational,20073Trends in Life Insurance Ownership Among U.S. Households, LIMRA, 2005.4Table5.9“PaymentstoLifeInsuranceBeneficiaries,byYear”asshowninthe2009LifeInsuranceFactBookfromtheACLI.

• Theaveragepersonownslesslifeinsurance(3.6times income)thantheybelievetheyshouldown.3

• Infact,theaveragesingledeathclaimpaidbytheinsuranceindustryin2008was$15,897.4

L I F E I N V E S T O R S F I N A N C I A L G R O U P , I N C .55142 0311

A financial strategy may include

That's why life insurance is such an important part of your long-term strategy.

for your long-term financial goals: Three Basic Things

1

2

3

Enough income for your family if you die.

Enough income for you and your spouse if you live.

A way to help provide both 1 and 2 if you become disabled.

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