The Following are live web versions of the various Scenarios  available today. They are all available as E-mail ready PDF or PPT files. 

All of the Scenarios can be Personalized with the Advisors Contact Information embedded in the Email-Ready Scenario software.  

New Annuity Scenario:  Its All About the Money Scenario shows the major benefits derived from the Lifetime Income Riders available on many Annuities today. It enables you to quicky compare the income stream derived from the rider verses the income derived from a Certificate of Deposit.  This illustrates how to Rob A Bank, Legally!  

New Free Scenario: CLASS ACT Scenario This Scenario Compares the benefits required and provided by a Long Term Care Insurance Policy verses the Proposed Benefits in The CLASS ACT.  This Scenario can also be Personalized with the Advisors Name and Contact Information embedded in the Scenario for $49.

Return of Premium Term Comparison  This will easily allow one to show a client if Return of Premium Term Insurance is good deal when you compared what the additional premium will have to earn in some other investment vehicle to match the guaranteed return of premium. 

RCS1 Financial Scenario Requirements, Considerations & Solution. The first step in the Scenario,the Requirements view, determines how much additional insurance is needed by asking 5 simple questions.  The RCS1 Scenario initially calculates the Life Expectancy of the prospect based their current age and Sex using the 2001 CSO tables. Secondly, in the Considerations view, it very quickly shows that the term insurance product will probably not be there when the prospect is most apt to die. This Scenario then shows the fallacy of buying low cost level term insurance to solve long term problems.  It easily shows that buying term and investing the difference, is not such a good deal in the long run, when compared to purchasing one of the new low premium Universal Life policies, with secondary guarantees to age 100 or 120.  It quickly calculates the double digit ROI needed over the next 20, 30, or 40 years in a side fund, to equal the guaranteed tax free death benefit of one of these UL products.  Lastly, in the Solutions View, if full coverage in just the UL policy is too costly, it quickly calculates a monthly or annual premium for a combination of a UL and a level term policy or term rider based on what is affordable to the prospect.   

The Hybrid-LTC Scenario  If you want to sell more Long Term Care Insurance and if you also want to sell permanent life insurance along with it, than this is the Scenario for you. This Scenario quickly calculates how much permanent insurance is required to return all premiums paid including the premium for the life insurance & the long term care insurance upon death.  It also shows how to move money, over time, from a IRA/401K plan to pay for everything at 1/2 to 1/3 the cost required to intially fund for a potential future LTC event out of pocket. And when it is all said and done, all of the money paid for premiums is returned on an income  tax free basis by the life policy to the estate or income and estate tax free to a named beneficiary. 
Hybrid-LTC Study Guide