Protect and Grow Your Money with Insurance from Occidental Underwriters of Hawaii, Ltd.

Protect & Grow Your Money with Insurance Occidental Underwriters of Hawaii, Ltd.

Agenda Market Performance Rates of Return Product review: Whole Life Protection Focused with cash value upside Term insurance: Top 5 least expensive term, standard non-tobacco 10, 20, 30 year. Using Accident Death Coverage Michael Sato Annuity Products Michael Sato For Agent Use Only

Market Performance Market trend from 2017 to current S&P 500 Performance YOY 2017 21.8% 2018 -4.4% 2019 31.5% 2020 18.4% 2021 28.7% 2022 -18.68%(as of 7-22) Year by year return rates For Agent Use Only

Bank Interest Rates in Hawaii Savings account rates (as of 6-28-22) First Hawaiian - .02% Bank of Hawaii - .01% Central Pacific Bank - .03% American Savings - .02% Territorial Savings - .02% For Agent Use Only

Life Insurance Protection Protection Family against unexpected loss and associated events following. Estate equalization Business key person loss Cash Value future growth potential For Agent Use Only

Insurance Coverage Accumulator One by Pacific Guardian Life Single Premium Whole Life Non-Med for Age Nearest 60 and younger, 100K DB and below 50,000 minimum face amount Maximum of 1 million of coverage For Agent Use Only

Caveats Product is a MEC Health Qualification Surrender within year 1 = 100% commission chargeback, year 2 = 50% commission chargeback Clients need enough money to at least fund the 50K DB For Agent Use Only

Illustration Samples For Agent Use Only

Age 40, $50,000 Single premium Purchasing coverage is intended for long-term protection needs. This policy has strong Cash surrender values. Look at year at the end of policy year 3 4.97 % return on premium if surrendered (3.09% 15th year) For Agent Use Only

Age 50, $50,000 Single premium Purchasing coverage is intended for long- term protection needs. This policy has strong Cash surrender values. Look at year at the end of policy year 3 4.77 % return on premium if surrendered (2.97 15th year) For Agent Use Only

Age 60, $50,000 Single premium Purchasing coverage is intended for long- term protection needs. This policy has strong Cash surrender values. Look at year at the end of policy year 3 4.41 % return on premium if surrendered (2.69% 15th year) For Agent Use Only

Sweet Spots Works for both genders This product is a MEC (10% penalty on Income before 59 1/2) Table 2 or Better Health doesn t seem to have much impact for better/worse on values Relatively short holding After 10 years performance is decent verses other WL products, after 15yrs+ WL could be better. For Agent Use Only

Term Insurance Pricing as of 6-22 Top 5 lowest premiums (based on age and underwriting for (non-tobacco) Based (Quotes current as of 6-22-22) For Agent Use Only

Term 100,000 Non-Tobacco 10 Year, Male For Agent Use Only

Term 100,000 Non-Tobacco 20 Year, Male For Agent Use Only

Term 100,000 Non-Tobacco 30 Year, Male For Agent Use Only

Important News from Legal & General: For Agent Use Only

Alternative Solutions for Young People and Life Insurance Declines Assurity Accidental Death Insurance Plus For Agent Use Only

Quick Reference Up to $350,000 accidental death benefit ages 18-70 Common Carrier Benefit and Automobile Seatbelt Benefit included NO health questions Mortgage protection/inexpensive alternative Accident-Only Disability Rider For Agent Use Only

30-year Coverage $250,000 Benefit Amount For Agent Use Only

For Agent Use Only

30-year Coverage $250,000 Benefit Amount For Agent Use Only

For Agent Use Only

For Agent Use Only

Fixed Annuities for Volatile Times American National Insurance Company For Agent Use Only

For Agent Use Only

THANK YOU For Agent Use Only