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1 P I P A C L I F E S TOP PICKS Technology Parkway Cedar Falls, IA 50613

2 Table of Contents Table of Contents Whole Life... 3 Index Universal Life... 4 Guaranteed Universal Life... 5 Survivorship Universal Life... 5 Return of Premium (ROP)... 6 Term... 7 Voluntary Life... 8 Annuities Multi-Year Guarantee... 9 Immediate/Deferred Fixed Indexed/Lifetime Income Riders...11 Fixed Indexed/Accumulation...12 Linked Benefits Linked Benefits-with LTC Sales Strategies Annuity Life Meet PIPAC LIFE Meet the Staff Whole Life Product: LifeHorizons Whole Life Issue Ages: 0-85 Highlights: Non Participating Old School whole life Best for final expense and young children Single pay, 10 pay and lifetime pay options SBLI Product: Whole Life Highlights: New to market Great cash accumulation Participating whole life Multiple premium options GPO thru age 50 Sagicor Product: Gold Series Issue Ages: 0-85 Minimum Face Amount: $5,000 Highlights: SPWL 10% premium bonus ROP feature LTC Rider Simplified Issue Lazy Money Concept Great Underwriting Transamerica Product: Solutions Final Expense Issue Ages: 0-85 Minimum Face Amount: $1,000-$50,000 (Age Determined) Highlights: Simplified Issue Final Expense Lifetime and 10 Pay Options Graded Death Benefit for non-qualifying health 3 day policy issue Gerber Product: Guaranteed Issue Whole Life Issue Ages: Minimum Face Amount: $5,000 Highlights: Guaranteed Issue NO HEALTH QUESTIONS $25,000 maximum benefit Fast Application or Electronic Application Available Great for Final Expense or Tough Underwriting Cases Page All products are subject to change. Page 3

3 Index Universal Life Minnesota Life Product: Omega Builder Highlights: Proprietary Product Death Benefit Payout Options Great for Children Cash Accumulation/ College Funding plans/ Supplemental Retirement Plans Minnesota Life Product: Eclipse Protector Issue Ages: 0-90 Highlights: Performance Death Benefit Guarantee Rider - can use excess cash value to pay up policy early LTCI Rider Premium Deposit Acct Product: Builder Issue Ages: 0-75 Highlights: Builds early cash value Great for Supplement Retirement Planning, College Funding, and Executive Bonus Terminal, Chronic, & Critical Illness benefit included Product: WealthMax Bonus Issue Ages: Highlights: SPIUL 12% premium bonus ROP feature LTC Rider Simplified Issue Lazy Money Concept If a child, a spouse, a life partner, or a parent depends on you and your income, you need life insurance. ~Suze Orman Guaranteed Universal Life Life Product: LifeSetter UL Issue Ages: Minimum Face Amount: $50,000 Highlights: Great for younger clients with high face amounts Pay to age 100 with Guarantee to age 121 No premium restrictions Actual Age rating Product: Custom Guarantee (Gen 8) Issue Ages: 0-59, Minimum Face Amount: $50,000, $25,000 Highlights: Good with 1035 exchanges Top Choice on Lower Face Amounts Great GUL for children policies Dial A Guarantee Available Protective Life Product: Custom Choice Issue Ages: Highlights: Good with short guarantees (age 90, 95, 100) Excellent height/ weight tables Survivorship Universal Life Lincoln Financial Product: LifeGuarantee SUL Issue Ages: Highlights: Competitive premiums Coverage Protection Guarantee Good UW Minnesota Life Product: Eclipse Survivor IUL Issue Ages: Minimum Face Amount: $200,000 Highlights: Fixed Indexed UL 1 year PT to PT at 140% participation First to Die Rider great for Trust & Business cases (offers additional cash flow) Page All products are subject to change. Page 5

4 Return of Premium Term (ROP) Term Product: Termsetter ROP Issue Ages: Highlights: Actual Age ROP features cash return on premiums, paid up insurance or a combination of both Chewers,cigar and pipe users nontobacco VOYA Product: ROP Endowment Issue Ages: Highlights: Guarantee periods 20,25,30 Competitively priced Product: Termsetter Issue Ages: 0-75 Highlights: Actual Age Cigar smokers, chewers and pipe smokers may receive non-smoker rates Extremely competitive at lower face amounts SBLI Product: Level Term Issue Ages: Highlights: Convertible to age 70 Competitive at $250,000 death benefit and up Great build charts for underwriting Prudential Product: Return of Premium Term Issue Ages: Highlights: Guarantee periods 15,20,30 Convertible to age 65 Cigar smokers, Chewers, and pipe smokers may receive non-smoker rates Sagicor Product: Sage Term (Simplified Issue) Issue Ages: Minimum Face Amount: $50,000-$400,000 Highlights: Non-Medical up to $400,000 Underwriting decision in 1 1/2-2 minutes 5 risk classes Conversion credits available SureLC Universal Contracting One contract for all carriers! SureLC is a universal contracting system that many of our carriers accept. With SureLC, you will only be required to complete your contracting once. With PIPAC s dedicated licensing department, you will get contracted quickly and easily. Please contact Jenny Cunningham directly at or or with any contracting questions. Minnesota Life Product: Advantage Elite Select Issue Ages: Highlights: New Benefit Distribution Agreement allows flexibility on your term product with premium options Spreads out death benefit over years Great for income replacement planning Page All products are subject to change. Page 7

5 Voluntary Life Product: Worksite Term 10 Issue Ages: $100,000 Product: Worksite Term 20 Issue Ages: $100,000 Product: Worksite Term 20 ROP Issue Ages: $100,000 Product: Worksite Whole Life Issue Ages: 0-70 Minimum Face Amount: $5,000-$50,000 Product: Worksite Universal Life Issue Ages: 0-70 Minimum Face Amount: $5,000-$50,000 *Highlights for all Voluntary Life Products: Employee Payroll Deduction Voluntary Benefit program Term, Return of Premium (ROP) Term, Universal Life and Whole Life available 100% Portability (Employee Owned) Policy Guarantee Issue on 5+ eligible employees - Simplified Issue on Groups less than 5 Policies available to Spouse, Children and Grandchildren on Simplified Issue basis Annuities Multi-Year Guarantee Product: Certainty Select Issue Ages: 0-90 Highlights: Multi-Year Guarantee (MYGA) for 3,5,6,8,10 yrs After year one 10% free withdrawal Product: Guarantee Choice Issue Ages: 0-90 NQ / $2,000 Q Highlights: Multi-Year Guarantee (MYGA) for 4 to 10yrs After 30 days interest only free withdrawal Guggenheim Product: Preserve Plus MYGA NQ / $5,000 Q Highlights: Multi-Year Guarantee (MYGA) for 3, 5, 7yrs Indexed Linked MYGA Up to 8% bonus for annuitization Guggenheim Product: Preserve MYGA Issue Ages: 0-90 NQ / $5,000 Q Highlights: Multi-Year Guarantee (MYGA) for 3-10 yrs After year one 10% free withdrawal "Annuities aren't investments - they are risk transfer tools. They are insurance." ~ Mark Triplett Page All products are subject to change. Page 9

6 Annuities Immediate/Deferred American Equity Product: SPIA-1 (Immediate Annuity) Issue Ages: Highlights: Agressive payouts with guaranteed income utilizing multiple payout modes Product: Confidence Income (Immediate Annuity) Issue Ages: 0-85 Life/Joint Life 0-90, Period Certain Minimum Face Amount: $30,000 Highlights: Agressive payouts with guaranteed income utilizing multiple payout modes American General Product: American Pathway (Deferred Immediate Annuity) Issue Ages: 0-90 NQ/Roth IRA 0-69 Qual/IRA 0-83 QLAC s Minimum Face Amount: $20,000 Highlights: Qualified Longevity Annuity Contract available -saves clients from unnecessary Required Minimum DIstributions AMPup your sales with PIPAC LIFE s Agent Marketing Program. We want to work with you to either find or create great marketing pieces to help you prospect clients for more sales. Our in-house marketing team will search through carrier pieces, or with your help, custom create specific pieces you can send out or we can assist in sending! Annuities Fixed Indexed/Lifetime Income Riders American Equity Product: Retirement Gold Issue Ages: 0-78 Minimum Face Amount: $5,000 Highlights: 8% Premium Bonus 6 income rider options Enhanced payout for LTC Uncapped indexed strategies Product: Benefit Solution Issue Ages: Minimum Face Amount: $20,000 Highlights: Strong guarantees with benefit base Boasting unique 120/140/160 design with step ups on premiums Product: Market 10 Bonus Minimum Face Amount: $30,000 Highlights: ROP feature 6% premium bonus first 5 yrs of contract Income for Life rider 6.5% compounded rollup 10 yrs (rider cost 75 bps) Lazy Money Concept Product: Market Power Bonus Issue Ages: 0-75 Minimum Face Amount: $20,000 Highlights: 10% premium bonus contract Income for Life rider 6.5% compounded rollup 10 yrs (rider cost 75 bps) Fidelity & Guarantee Product: Safe Income Plus 10 Highlights: Enhanced payout for LTC Page All products are subject to change. Page 11

7 Annuities Fixed Indexed/Accumulation Sagicor Product: Sage Select Issue Ages: 0-85 Minimum Face Amount: $2,000 Highlights: 4% premium bonus vests day 1 Opportunities for up to 50% Free withdrawals Very liquid Uncapped growth strategies American Equity Product: Choice Series 10 Issue Ages: Highlights: 2 uncapped strategies to maximize growth Product: Retire Choice 10 Issue Ages: Minimum Face Amount: $20,000 Highlights: Optional rider will increase bonus to 5% for the first 5 years on new premium Client will also receive ROP with Optional Additional Benefit Rider Voya Product: Wealth Builders Plus Issue Ages: Minimum Face Amount: $15,000 Highlights: Only carrier to offer Non-Qualified Stretch Annuity planning Linked Benefits Linked Benefits-with LTC Product: WealthMax Bonus Issue Ages: Highlights: SPIUL 12% premium bonus ROP feature LTC Rider Lazy Money Concept Simplified Issue Death benefit paid out in 60 months for HHC 36 months for facility Indemnity Cash Payouts Sagicor Product: Gold Series Issue Ages: Minimum Face Amount: $5,000 Highlights: SPWL 10% premium bonus ROP feature LTC Rider Lazy Money Concept Simplified Issue Great Underwriting Death Benefit paid out in 33 months for HHC or facility care Indemnity Cash Payouts Lincoln Product: MoneyGuard Issue Ages: Minimum Face Amount: $50,000 Highlights: No elimination Single Pay & Limited Pay Options 5% Residual Face ROP feature after year year benefits periods for LTC Couple s discount available State Life Product: ASSET Care I/ Annuity Care II Issue Ages: ASSET Care I Highlights: Single Premium Whole Life 60 day elimination Joint Care Option month LTC benefit period Lifetime Benefit Options Rider Annuity Care II Highlights: NQ fund 90 day elimination Pension Protection Act comliant tax advantaged disbursement for LTC Extension of benefits rider comes with plan- your choice of 3, 6, or 9 year extension Page All products are subject to change. Page 13

8 Sales Strategies Annuity Sales Strategies Life Retirement Income Planning Combine the benefits of Guaranteed Lifetime Income from annuities along with Social Security Maximization to give your clients their Retirement Paychecks and Payouts. Required Minimum Distribution (RMD) Relief Tired of being forced to take Required Minimum Distrubtion Relief? Transfer that money into a Qualified Longevity Annuity Contract (QLAC) and push off RMDs until age 85. Tax Free Retirement Income Transfer your clients qualified accounts through partial Roth conversions into a new tax free policy. The partial conversion allows your clients to not choke on the tax bill during conversion and future distributions will then be tax free for life. Other Annuity Sales Ideas Inservice Distributions 1040 Tax Return Overlays NQ/Q Stretch Planning Annuity Laddering...plus many more! Don t Forget Income! Most life insurance that is placed only covers the immediate debts for the person. If the income for this person was needed before, there is a great chance it ll be needed even more when they are gone to provide help in the future. We have a great product that spreads out the death benefit over 10, 20, or 30 years designed just for income replacement. Final Expense Sales If you work in the senior markets make sure they have a policy earmarked for their final bills. Even if they already have some sort of life insurance in place - let that do what it is supposed to do. We have a small face amount policy available no matter what health conditions your clients may have. Cash Values Strengths Remember the huge benefits that cash value offers. Cash can be borrowed from the policy to help fund college expenses, down payments, emergency costs, and even help supplement your retirement income. Call PLB to learn about even more Sales Strategies! Quote Today! Let PIPAC LIFE make it easy! Call today and have a sales team member work with you one-on-one. Contact Kyle Reisinger at or Justin Wagner at Or if you prefer to run your own life quotes go online to pipaclife.com. Access quoting by going to the left column of our website home page under Quick Quotes. Page All products are subject to change. Page 15

9 Meet the Staff of PIPAC Life Brokerage Josh Petersen VP of Sales Josh evaluates the financial industry trends, finding concepts and products that meet the needs of clients in today s market. He also provides agent training on our top selling carriers and products through meetings and webinars. All this is done to help agents help their clients and increase their blocks of business Bri Schimek Department Coordinator Bri focuses on the day to day operations of the PIPAC LIFE department along with marketing programs and supply management Kyle Reisinger Sales Kyle works with the PIPAC LIFE Sales team. He does life prescreens, life quoting, and is there for your sales product solutions and recommendations Justin Wagner Sales Justin works with PIPAC LIFE Sales team. He does life prescreens, life quoting, and is there for your sales product solutions and recommendations Amber Piper Case Manager Amber heads up PIPAC LIFE s Case Management. She assists in the application and underwriting process, delivery and in-force policy services. She also focuses on PIPAC LIFE s Worksite Life products Dena Larsen Recruiting/Marketing Representative Dena is responsible for recruiting and welcoming new agents with PIPAC LIFE. She also assists with agent marketing and helps out at trainings and events for PIPAC LIFE Rev. 10/28/15

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