CENCO STREET JOURNAL. How to Build a Successful Annuity Business. Check Out The Cenco Website:
|
|
- June Butler
- 8 years ago
- Views:
Transcription
1 A Special Publication for CENCO Related Agents CENCO STREET JOURNAL Check Out The Cenco Website: You will have access to: Quotes Forms Introduc on Kits for Our Core Carriers Archived and current issues of the Cenco Street Journal and the Cenco enews Inside this issue: Expand Your Product Offering And Sell DI Sales Idea of The Month Using Life Insurance For Supplemental Retirement Income 2 2 How to Sell And Position BOE 3 A Disability Can Happen To Anyone...At Any Time 3 Volume 15, Issue 12 December 2015 How to Build a Successful Annuity Business Annuities are one of the easiest insurance products to sell if you market to the right audience and understand the product. You don t have to tell the client about dying, disability, accidents or house fires to gain their interest. Instead, you talk about growth of assets and living longer. However, many agents already target the niche and often financial institutions with investment representatives, such as banks, dominate the sale of annuities. That means you must come prepared for stiff competition. Step 1 - Secure a 6 and 63 securities license in addition to your insurance license. While you can make an adequate living only selling fixed annuities, the ones that don t require a securities license, you ll be able to make more sales if you have the licensing required to sell all types of annuities. Many of the new variable products come with guarantees that give clients the peace of mind of a fixed product but also offer the potential for growth. Step 2 - Learn about all the annuities on the market. If you sell annuities exclusively, you ll want to represent those that offer the best surrender period, guarantees, investment options and living - or death benefit riders. Call, write or visit online sites of popular names in the annuity market to secure information. Step 3 - Target the market you believe will enhance your sales. In most cases, your sales should be to older people ready to retire or those already retired. Since removing the money from an annuity before age 59 1/2 incurs a penalty, look for people that won t need the funds but can use the tax break or those ready to retire that want a steady flow of income in their retirement years. Step 4 - Market to the group you selected. Secure a list of potential customers and send mailers. If you decide to market annuities for small-business retirement programs, cold call on as many businesses as possible. Step 5 - Call all leads you secured in your marketing efforts and schedule appointments. Do a financial profile of the prospect to make sure the product is right for him. If the client is inquiring because he s retiring in a year or less, keep in contact with him. Step 6 - Visit all clients twice a year or quarterly, no matter how large their assets. Good service brings more commission dollars. You never know when fate might bring an inheritance or if a family member might win a lottery and ask for the name of a financial expert. Building your business through quality service takes more time, but it also ties your customer to you!
2 Page 2 A Special Publication for CENCO Related Agents Expand Your Product Offering and Sell DI Adding individual disability insurance to your product offering just makes sense. You help individual and business owner clients protect their families and businesses in the event of a premature death. You also may help them plan for retirement, fund their children s college education and achieve a host of other financial goals. But are you helping protect what s most important to them - their livelihoods? The disability insurance marketplace offers a great deal of potential! 90% of respondents rated their ability to earn an income as valuable or very valuable - CDA Consumer Disability Awareness Survey More than 69% of the workforce have no long-term disability insurance - Bureau of Labor Statistics, National Compensation Survey Despite the fact that more than 70% of American households rely on two incomes to make ends meet, only 26% of Americans have any type of disability insurance - Facts from LIMRA Multimedia Fact Sheet, based on findings from LIMRA s life insurance consumer studies Only 18% of consumers recall being approached about buying disability insurance - less than half as many as those who recall being approached about life insurance - Facts from LIMRA Multimedia Fact Sheet, based on findings from LIMRA s life insurance consumer studies Let Cenco help you add disability insurance to your client offering. The decision to not purchase disability insurance should be your clients - not yours, because you didn t offer it. Make DI part of your regular product offering. Working together, Cenco can help you better serve your clients and grow your disability insurance business. You ll reap the benefits for years to come. Sales Idea of the Month Cash value life insurance can be a powerful tool to help your clients supplement their retirement income. Make Using Life Insurance For Supplemental Retirement Income a winning strategy for you. 1) Recognize the client: Clients who have a need for life insurance protection, are ages 30-60, middle to high income, and want to help supplement income during their retirement years. 2) Know the product: If aligned with your client s needs, look for a life insurance product that has the opportunity to build significant cash values, like an indexed universal life product. 3) Understand the goal: Help your clients gain financial protection during their working years while providing a way to use life insurance for a potentially tax free income as a supplement to other retirement income. Consider a strategy using life insurance and provide your clients with death benefit protection while helping them supplement their income during retirement.
3 Volume 15, Issue 12 How To Sell & Position BOE Page 3 When considering the small business market, one of the most needed yet undersold insurance products is business overhead expense (BOE) insurance. Small business owners tend to be optimistic risk-takers who may believe a disability condition won t happen to me. Many believe they could get by with money from their business if they become disabled. Others may believe that they could use personal funds or take on debt to keep their business afloat. Because of this, advisors have a lot of educating to do. To help business owners understand the risk, a good way to start is by asking questions. When is the last time you took a 6 month vacation? Never? Why not? Are you sure you could continue to take money out of the business if you were sick or hurt and unable to work? If you can t work and revenues start to slip, how are you going to make payroll? Pay rent? Pay your creditors? Would it help if you had money to hire someone as your temporary replacement while you recovered? If the worst happened and you couldn t recover, wouldn t you want your business to be healthy so you could sell it for fair value? BOE provides reimbursement for certain business expenses incurred by a business during the insured s disability. It typically covers ordinary and necessary operating expenses, including employees salaries and benefits, rent payments, utilities and even the cost of hiring a replacement for the disabled owner. Prospects for a BOE sale are business owners aged 60 or younger, who are either sole proprietors or in a partnership with five or fewer partners. The top buyers are dentists and physicians, but CPAs, engineers, attorneys, and other small, closely held businesses also have a need for BOE. If you ask a small business owner about BOE, you ll be one of the few insurance advisors doing so, and you can distinguish yourself in this market. You also can help your clients protect the enterprise they ve worked so hard to build. A Disability Can Happen to Anyone...At Any Time 1 in 4 of today s 20 year olds will become disabled before reaching age 67. In the U.S. a disabling injury occurs every second, a fatal injury occurs every 4 minutes. In the home a fatal injury occurs every 8 minutes and a disabling injury occurs every 2 seconds. There is a death caused by a motor vehicle crash every 15 minutes; there is a disabling injury every 9 seconds. The bottom line is this: If your clients work and rely on their paycheck, they need disability insurance!
4 CENCO INSURANCE MARKETING CORPORATION 1501 El Camino Ave., Suite 1 Sacramento, CA Phone: (916) (800) 45-CENCO Fax: (916) Cenco Producer Development Organization Offerings! Look Inside For Details! HELPING AGENTS SUCCEED..IS OUR BUSINESS! We re on the web! AIG Partners Group Quality of Life...Insurance portfolio offers solutions for a variety of clients and needs. Learn more about their insurance products and sales resources by visiting: Life Insurance You Don t Have To Die To Use! The Definitive Marketing Publication For Life & Disability Insurance Did You Know Timing is everything! Especially when it comes to underwriting for your clients with impairments or special circumstances. Make sure you know when the timing is right to revisit a case that was previously declined or rated - you may have a sale waiting for you. Changes in your client s circumstances, market conditions, medical advancements or underwriting rules can all affect the final outcome of your client's cases. Cenco is available to assist you about when you should revisit a past case. The time may be right - contact us today at
5 Key Mom Insurance: Protecting your business starts by first protecting your household A career as a life insurance professional can be rewarding and fulfilling. It can also be hectic and stressful, as you work long hours to acquire clients through prospecting, setting appointments, meeting with potential clients and servicing your book of business. All of these activities take time, and for some, building a successful insurance practice is a seven-day-a-week, 365-day-a-year endeavor. If you have a family, you re already aware of the additional demands on your time. In the event of the death of your spouse, daily activities such as navigating school drop-offs may conflict with meeting a business prospect for coffee, or soccer and dance practices could be on the other side of town from where you need to deliver a life insurance policy. Managing the schedule of an active family is a full-time job. Combine that with building and growing a successful business and it might seem downright impossible at times. A spouse is as much a key to the success of your life insurance practice as the Head of Sales is to a traditional business. Who s your family s CEO (Chief Everything Officer)? Most successful business owners have key people around them who handle functions that are essential to the successful operation of the business. Perhaps you do too. ACC2099 (08-15) For Agent Information Only. Not for use with the public.
6 Key Mom Insurance: Protecting your business starts by first protecting your household A spouse is as much a key to the success of your life insurance practice as the Head of Sales is to a traditional business. Think about how your business would be impacted if your spouse were to die unexpectedly. Who would? Drop off the kids at the bus stop/school Attend parent/teacher conferences Pick up your daughter early from school because she s sick Take your son the baseball glove he forgot to bring to practice Clean the house Buy groceries The importance of income replacement As a life insurance professional, you know the value life insurance brings in the form of income replacement for your clients. You know first-hand just how important it is to have enough life insurance coverage in place and how it can positively affect lives. According to salary.com, the annual value of the tasks that an average stay-at-home mom performs every day is $118,905. Ask yourself these questions: Who would perform those tasks if my spouse were to die unexpectedly? How much time would I need to take off from my practice? If I have less time to market, prospect or meet with clients, what would that mean to my income? Life insurance protection for a stay-at-home spouse can help ensure that financial resources are available to meet the additional demands you would encounter at home due to the death of your spouse. September is Life Insurance Awareness Month. Let it serve as a reminder to review the amount of life insurance protection you have on the key people in your life as well as yourself. To learn more, visit accordianow.com, contact your marketing organization or call Accordia Life Sales Support at (855) , option 3. ACC2099 (08-15) For Agent Information Only. Not for use with the public.
7 Cenco Producer Development Organization Offerings Cenco Insurance Marketing Corporation & Cenco Partners Insurance Marketing, Inc. Offering producers the highest quality life insurance and annuity products and services since 1978 Founded in 1978, Cenco is a leading Producer Development Organization (PDO), offering a virtually exclusive combination of industry leading life, annuity and disability products and special enhanced contracts for producers. Some of these core company contracts include unique valuable extras and benefits to help you improve your sales, reward you and increase your income at a faster pace. With over 200 years of collective experience, Cenco s staff s sole purpose is to assist and support your sales practice. With additional unique access to both well-known highly rated standard brokerage companies and unique limited distribution carriers, Cenco can provide you with a combination of contracts, products and benefits we can safely say that virtually no other agency, IMO or NMO offers. Best of all, Cenco can customize solutions for you to maximize your compensation and benefits for your individual circumstance. This is done by using contracts and benefits not normally available to independent producers, such as startup and escalating bonuses, a non-contributory retirement plan, multiple convention choices, LTD, dental, life and vision coverage, not to mention training, business and advanced sales consultation resources. All this is in addition to offering modern practice development tools such as sales tracks, client acquisition programs, turnkey social media marketing, financial planning technology, media marketing, website development and more. Cenco Insurance Marketing Corp El Camino Ave. Suite 1 Sacramento, CA (916) (800) 45CENCO ( ) Our experience allows us to better help you adapt to changing circumstances in the industry as well as your personal, business and client demographics, by constantly maintaining and updating insurer, product, regulatory and other trends affecting your business. If you are not using Cenco you could be missing the chance to improve your sales results and income and may never know what you are missing. Don t miss out, try Cenco now!
8 CENCO Quick Facts ABOUT CENCO We have 37 years of experience helping producers solve their personal and business client needs We have helped producers place over 100,000 insurance and annuity policies Our producers have led entire insurer field forces in production for multiple years We have been the leading agency for major national insurers for multiple years Our staff has over 200 years of combined industry experience We offer an exclusive combination of top insurer products and special enhanced producer contracts We have extensive life annuity, and disability income portfolios We offer multiple training and practice development resources for producers of all types We are agent-centric in all we do ABOUT OUR CORE INSURERS Transamerica - Top Financial Ratings Monthly and annual bonus matching stock purchase savings program Competitive term with multiple options including premium discounting, layering Top IUL product with multiple crediting strategies, caps and crediting strategies and LTC riders Top final expense simplified and guaranteed issue product line Industry leading Living Benefits term portfolio American General Partners Group - Top Financial Ratings Competitive life include critical, chronic and terminal illness on all products at no added cost Selectable term periods from 10 years or anywhere from 15 to 35 years Competitive NLG life product with optional exclusive guaranteed lifetime income rider Generous agent bonuses for modest life and annuity production Outstanding international and national incentive trips Exclusive life policy Protected Money no surrender charge option Unique multiple policy bundling and premium discounting program Accordia/Forethought - Leading innovator of index life insurance and new NLG buster product Preferred Producer Agent contracts with bonuses, multiple agent benefits, and incentive trips Choice of high paying cash contracts still including incentive trips Exclusive Wellness for Life provides clients with reduced Cost of Insurance over time ABOUT OUR BROKERAGE OFFERINGS Life Insurance - Over a dozen life insurers offering virtually any type of competitive NLG, UL, IUL, WL, SPL, ECV or low cost and convertible term product available. Annuities - Over 100 annuity products from 15 different top annuity carriers Disability Income - Top level Disability income products from the best insurers, with the best local DI expertise available. Long Term Care The currently best available LTC plans from the most well-known insurers
9 Featured CORE INSURER Offerings These carefully selected insurers offer contracts, programs and benefits similar to those offered by career insurers, without the restrictions, thus allowing the independent producer to have a company they can call home whenever they want to, without sacrificing their full independence. AMERICAN GENERAL PARTNERS GROUP Top Financial Ratings Broad range of competitive life and annuity products Selectable term periods from 10 or anywhere from 15 to 35 years provides maximum flexibility in design with issue ages to age 80 Living Benefits, industry leading critical, chronic and terminal illness on all products all included at no added cost Unique optional client selected defined benefit critical and chronic illness benefits Competitive NLG life product with exclusive optional guaranteed lifetime income rider Generous agent bonuses for both modest life and annuity production Outstanding international and national incentive trips Exclusive life policy Protected Money no surrender charge option Unique multiple policy bundling and premium discounting program TRANSAMERICA Top Financial Ratings Monthly and annual bonus programs Matching contribution stock matching savings program Competitive term with multiple options including premium discounting, layering Top IUL product with multiple crediting strategies, caps and crediting strategies and LTC riders Top final expense life with simplified issue up to $50,000 of coverage Term to term exchange program Industry leading Living Benefits term portfolio Outstanding international and national incentive trips Modern design Long Term Care product portfolio ACCORDIA/FORETHOUGHT Leading innovator of index life insurance Newest innovative NLG buster product with competitive premiums, catch up provisions, long term guarantees controlled by the client Preferred Producer program with Bonuses, retirement plan, dental, vision, LTD, life coverage Exclusive Wellness for Life provides clients with reduced cost of Insurance (COI) over time Both Accordia life and Forethought annuity sales count for bonuses, benefits and incentive trips Superior advanced sales support and training available Choice of preferred producer contract with benefits or cash contract still with incentive trips Industry renown outstanding international and national incentive trips
10 Featured BROKERAGE Offerings In addition to offering unique core company programs, Cenco s got your back brokerage offerings parallel those of biggest IMO s but with local personalized service. LIFE INSURANCE Over a dozen life insurers offering virtually any type of competitive life plan. Products include: Index Life, Universal Life, Whole Life, Single Premium life, No Lapse Guarantee, (NLG), Final Expense, Early Cash Value (ECV) Life plus a variety of low cost and fully convertible term plans with bundled premium discounts and inter-insurer term transfer program. Companies include: Accordia, America General, American National, Ameritas, Assurity, LSW, North American, Protective, Genworth, Banner, Baltimore, Symetra, Mutual of Omaha and more. ANNUITIES Annuity Superstore with over 100 available annuity products from 15 different top annuity carriers, plus unique annuity search and marketing systems. Products Include: Single Premium Deferred Annuities (SPDA), Multi- Year Guarantee Annuities (MYGA) Single Premium Immediate Annuities (SPIA), Flexible Premium Annuities (FPIA) Deferred Income Annuities (DIA), LTC benefit annuities. Companies Include: Athene, Annexus, American Equity, American General, American National, North American, Forethought, Great American, Nationwide, Great American, F & G, Allianz, Voya and more. DISABILITY INCOME Top level Disability income products from the best insurers, with the best local DI expertise available. Products Include: Guaranteed Renewable, Non-Cancellable, Business Overhead Expense (BOE), Disability Buy Sell and Retirement Disability Companies Include: Standard, Ameritas, Principal, Assurity, Guardian LONG TERM CARE The best currently available LTC plans from the most well-known insurers such as Transamerica and Genworth Cenco Insurance Marketing Corp El Camino Ave., Suite 1, Sacramento, CA Cenco Insurance Marketing Corporation Lic No Cenco Partners Insurance Marketing Corp. Lic. No. 0K38569 CALL TODAY FOR MORE INFORMATION (916) (800) 45CENCO ( )
How To Get Disability Insurance From Mutual Of Omaha
Mutual of Omaha Insurance Company Disability Income Choice Portfolio SM MC34442 While many workers have group disability coverage through an employer, it often covers only 50 to 60 percent of their pay.
More informationINDIVIDUAL DISABILITY INSURANCE
Disability Insurance Crash Course 1 AN INTRO TO INDIVIDUAL DISABILITY INSURANCE Disability Insurance Crash Course 2 AN INTRODUCTORY GUIDE TO HOW INDIVIDUAL DISABILITY INSURANCE POLICIES WORK, AND WHY YOU
More informationApproved Annuity and Insurance Carriers
Approved Annuity and Insurance Carriers Top Companies. Underwriting. Products. Compensation Universal Life Whole Life Survivor Annual Renewable Term (ART) Level Term 5-10-15-20-25-30 ROP Term Fixed Annuities
More informationApproved Annuity and Insurance Carriers
Corporation Approved Annuity and Insurance Carriers Top Companies. Underwriting. Products. Compensation Universal Life Whole Life Survivor Annual Renewable Term (ART) Level Term 5-10-15-20-25-30 ROP Term
More informationDesigning an income protection plan The Union Central Life Insurance Company DI 1071 5/07
Disability Income Insurance Client Highlights Designing an income protection plan The Union Central Life Insurance Company DI 1071 5/07 Disability Income Insurance What is your greatest asset: Your home?
More informationLife insurance policy reviews
Allianz Life Insurance Company of North America P For financial professional use only. Not for use with the public. Life insurance policy reviews Help your clients, build your business M-3962 Page 1 of
More informationLife insurance policy reviews
Allianz Life Insurance Company of North America P For financial professional use only. Not for use with the public. Life insurance policy reviews Help your clients, build your business M-3962 Page 1 of
More informationApproved Annuity and Insurance Carriers
Corporation Approved Annuity and Insurance Carriers Top Companies. Underwriting. Products. Compensation Universal Life Whole Life Survivor Annual Renewable Term (ART) Level Term 5-10-15-20-25-30 ROP Term
More informationApproved Annuity and Insurance Carriers
Corporation Approved Annuity and Insurance Carriers Top Companies. Underwriting. Products. Compensation Universal Life Whole Life Survivor Annual Renewable Term (ART) Level Term 5-10-15-20-25-30 ROP Term
More informationWhy Disability Insurance
Why Disability Insurance Most people insure their material possessions their homes and cars, for example. But many people don t insure what is probably their most valuable asset their ability to work and
More informationDiscover What s Possible
Discover What s Possible Guaranteed Choice SM Whole Life for Business Guaranteed Choice SM for Business Owners Whole Life There is comfort in predictability There s a certain comfort that comes with knowing
More informationPolicy Features and Key Differences
ProVider Plus & ProVider Plus Limited Comparison Insurance Proposal Policy Features and Key Differences Male, age 30, Rhode Island Proposed Coverage Details ProVider Plus ProVider Plus Limited Base Policy
More informationTMAIT Insurance Guides for Physicians. Long-term Disability Insurance
TMAIT Insurance Guides for Physicians Long-term Disability Insurance TMAIT Insurance Guides The TMAIT Insurance Guides are intended to help physicians make sound insurance decisions for themselves and
More informationBusiness Planning With Life and Disability Insurance
Business Planning With Life and Disability Insurance Speaker: Eddie Sussmann, Leading Edge Disability Center www.disabilitycenter.com For producer information and education only. Not for use with the general
More informationLife insurance benefits for small-business owners
Allianz Life Insurance Company of North America Life insurance benefits for small-business owners Protecting the life of your business Small-business life insurance uses M-5101 Life insurance benefits
More informationWHAT YOU SHOULD KNOW. About Buying Life Insurance. Life insurance is financial protection. It provides the
Life insurance is financial protection. It provides the resources your family may need to pay immediate and continuing expenses after you die. WHAT YOU SHOULD KNOW About Buying Life Insurance There are
More informationDISABILITY INSURANCE. MetLife Income Guard California SM. Flexible Income Protection that Works for You.
DISABILITY INSURANCE MetLife Income Guard California SM Flexible Income Protection that Works for You. Protecting your income is a smart idea. While you may already have life insurance, disability insurance
More informationSmall-business prospecting guide
Allianz Life Insurance Company of North America Small-business prospecting guide Making the most of this untapped market P For financial professional use only. Not for use with the public. Small-Business
More informationDisability Income Insurance. Client Highlights. Designing an Income Protection Plan DI 1071 12/11
Disability Income Insurance Client Highlights Designing an Income Protection Plan DI 1071 12/11 Disability Income Insurance What is your greatest asset: Your home? Your Business? They are both vital to
More informationDiscover What s Possible
Discover What s Possible Whole Life for Business SM Flexible Choice SM Flexible Choice Whole Life for Business Owners Life is filled with possibilities You ve followed your passion, creating a vision for
More informationDisability Insurance. Financial Protection For Individuals And Business Owners. Standard Insurance Company Individual Disability Insurance
Disability Insurance Financial Protection For Individuals And Business Owners Standard Insurance Company Individual Disability Insurance Income Protection When You Need It Most The home you live in, the
More informationBUYER S GUIDE TO FIXED DEFERRED ANNUITIES
BUYER S GUIDE TO FIXED DEFERRED ANNUITIES IT IS IMPORTANT that you understand the differences among various annuities so you can choose the kind that best fits your needs. This guide focuses on fixed deferred
More informationPurpose Driven Life Insurance
Purpose Driven Life Insurance American National Insurance Company Galveston, TX Has someone ever called you on the phone and tried to sell you life insurance or another product without knowing anything
More informationLife Insurance Product Recommendation Guide
Life Insurance Product Recommendation Guide A Guideline For Agents To Assist In Finding The Right Life Insurance Fit For Their Clients and Prospects This short guide offers recommendations on the preferred
More informationA Guide to Life Insurance for Small Business SUN LIFE FINANCIAL
A Guide to Life Insurance for Small Business SUN LIFE FINANCIAL For a small business owner, group life insurance and qualified plans may not be adequate to protect the business from unforeseen risks or
More informationWe keep our promises.
We keep our promises. So you can keep yours. It s a selfless act. The decision you make today is for someone else s future. Purchasing life insurance is about more than just planning for the future. It
More informationWhat you know about life insurance
What you need to know about life insurance This piece has been reproduced with the permission of Life Happens, a nonprofit organization dedicated to helping consumers make smart insurance decisions to
More informationSmall-business prospecting guide
Small-business prospecting guide P For financial professional use only. Not for use with the public. Make the most of an untapped market Small-Business Life Insurance Kit M-5136 Page 1 of 6 Start reaching
More informationPrincipal Life Insurance Company Des Moines, Iowa 50392-0001 www.principal.com
WE UNDERSTAND WHAT YOU RE WORKING FOR SM Principal Life Insurance Company Des Moines, Iowa 50392-0001 www.principal.com This information is believed to be accurate and authoritative in regard to the subject
More informationBUYER S GUIDE TO FIXED DEFERRED ANNUITIES
BUYER S GUIDE TO FIXED DEFERRED ANNUITIES Prepared by the National Association of Insurance Commissioners The National Association of Insurance Commissioners is an association of state insurance regulatory
More informationSmall businesses and the Affordable Care Act
Affordable Care Act Small Business Guide NATIONWIDE RETIREMENT INSTITUTE SM Small businesses and the Affordable Care Act Health insurance reform and insights into employer-sponsored benefits 84% of small
More information4-Step Guide to Life Insurance
TIAA-CREF Life Insurance Company 4-Step Guide to Life Insurance Our promise to help you protect what matters most At TIAA-CREF, we understand the need for life insurance our promise is to help you make
More informationLife insurance is a simple answer to a very difficult question:
Chances are, you need life insurance Life insurance is a simple answer to a very difficult question: How will my family manage financially when I die? It s a subject no one really wants to think about.
More informationAnnuities. Products. Safe Money. that Stimulate Financial Growth & Preserve Wealth. Safe Money is for money you cannot afford to lose.
Annuities Safe Money Products that Stimulate Financial Growth & Preserve Wealth Safe Money is for money you cannot afford to lose. Learn why Annuities are considered to be a Safe Money Place and how these
More informationDISABILITY INSURANCE. MetLife Income Guard SM. Flexible Income Protection That Works for You.
DISABILITY INSURANCE MetLife Income Guard SM Flexible Income Protection That Works for You. Protecting your income is a smart idea. While you may already have life insurance, disability insurance can help
More informationProtecting Your Loved Ones Every Step of the Way
Protecting Your Loved Ones Every Step of the Way Gerber Life Insurance Company Gerber Life Insurance Company, White Plains, NY 10605 5/10/2011 Gerber Life Insurance Company is a financially separate affiliate
More informationhe Ultimate Baby Boomers Guide to Life Insurance
The Ultimate Baby Boomers Guide to Life Insurance he Ultimate Baby Boomers Guide to Life Insurance Contents Life Insurance Quotes for Baby Boomers- 3 Our Best Advice How the New Living Benefits Riders
More information38 Salary Continuation. Learn How You Can Keep the People Most Responsible for Your Profitability
38 Salary Continuation Learn How You Can Keep the People Most Responsible for Your Profitability How do you get your best people to remain with your company until they retire? The ones responsible for
More informationLIFE INSURANCE STRATEGY GUIDE
LIFE INSURANCE 101 STRATEGY GUIDE : STRATEGY GUIDE TABLE OF CONTENTS Why You May Need Life Insurance... 5 Shopping for Life Insurance... 5 How Much Life Insurance to Obtain... 6 Calculating Total Funds
More informationProduct Overview Products to keep your clients income, retirement savings and business strong.
Individual Disability Income Insurance provider Plus and ProVider Plus Limited Product Overview Products to keep your clients income, retirement savings and business strong. For For Producer use use only.
More informationProVider Plus Individual Disability Income Insurance
ProVider Plus Individual Disability Income Insurance Keeping income strong Table of Contents Your income is your most valuable asset. Protect it!...........1 Disability Could it happen to you?........................2
More informationLife Insurance: A Multi-Purpose Wealth Management Tool
Life Insurance: A Multi-Purpose Wealth Management Tool These materials are not intended to be used to avoid tax penalties and were prepared to support the promotion or marketing of the matter addressed
More informationFixed Deferred Annuities
Buyer s Guide to: Fixed Deferred Annuities National Association of Insurance Commissioners 2301 McGee St Suite 800 Kansas City, MO 64108-2604 (816) 842-3600 1999, 2007 National Association of Insurance
More informationWhat You should Know. About Buying Life Insurance. Life insurance protects your financial future. It provides
Life insurance protects your financial future. It provides the resources your family or business may need to pay immediate and continuing expenses when you die. What You should Know About Buying Life Insurance
More informationInsurance. New York Life Custom Whole Life. Whole Life That Offers More Than Just Protection. The Company You Keep
Insurance New York Life Custom Whole Life Whole Life That Offers More Than Just Protection The Company You Keep Introducing the First Whole Life Product that Lets You Set the Pace Whole Life insurance
More informationTrans$ure SM interest sensitive whole life insurance
YOUR FAMILY DESERVES A BETTER TOMORROW Trans$ure SM Underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa. 4% guaranteed interest rate and coverage for your eligible family members. Now
More informationA Woman s Guide to Life Insurance
protecting your future A Woman s Guide to Life Insurance CAC.6357 (03.13) TODAY I realized how valuable I am. You are valuable. You insure your house, your car, your jewelry, and your health, right? But
More informationLive Today. Secure Tomorrow.
Live Today. Secure Tomorrow. Single Premium Indexed Universal Life Insurance Policy Issued by Fidelity & Guaranty Life Insurance Company, Baltimore, MD 12-381 Expecting the Unexpected Just because the
More informationDISABILITY INSURANCE. MetLife Income Guard. Flexible Income Protection that Works for You.
DISABILITY INSURANCE MetLife Income Guard SM Flexible Income Protection that Works for You. Most people prepare for important goals or events, like finding a new home, purchasing a car, taking a vacation
More informationAccident Insurance: Financial Protection Doesn t Happen by Accident
Life & Health Insurance Advisor MRCT Benefits Plus is a comprehensive employee benefits, wellness and Human Resources consulting firm offering a variety of financial services to businesses and individuals
More informationLife & Health Insurance Advisor
Life & Health Insurance Advisor MRCT Benefits Plus is a comprehensive employee benefits, wellness and Human Resources consulting firm offering a variety of financial services to businesses and individuals
More informationLife insurance. Shedding light on. a practical guide to helping you achieve a lifetime of financial security
Shedding light on Life insurance a practical guide to helping you achieve a lifetime of financial security Learn more about: Safeguarding your loved ones Protecting your future Ensuring your dreams live
More informationWhy buy life insurance?
Why buy life insurance? Allianz Life Insurance Company of North America M-5173 Page 1 of 8 Discover the many benefits of life insurance Life insurance can be an important and versatile part of your overall
More informationUnderstanding fixed index universal life insurance
Allianz Life Insurance Company of North America Understanding fixed index universal life insurance Protection, wealth accumulation potential, and tax advantages in one policy M-3959 Understanding fixed
More informationplaintalk about life insurance
plaintalk about life insurance The right life insurance protection can have an enormous effect on your life and the lives of those you love. It can mean the difference between leaving your loved ones well
More informationGuaranteed solutions. Life and disability income insurance offering security, stability and flexibility.
Guaranteed solutions Life and disability income insurance offering security, stability and flexibility. 291333 D C (12/10) (9/12) Clients financial priorities change at every life stage. What meets their
More informationFor people who bring it all. Every day.
For people who bring it all. Every day. All of us at UnitedHealth Group are bound by more than our mission and our culture. While we re each one of a kind, we share an incredible enthusiasm for living.
More informationDisability Income Choice at Work ACCIDENT ONLY DISABILITY INCOME INSURANCE
Mutual of Omaha Insurance Company Disability Income Choice at Work ACCIDENT ONLY DISABILITY INCOME INSURANCE MC35420 T DI Choice at Work The paycheck you earn helps you build the life you want for your
More informationOMNI Advantage & Essential. protect. yourself and family for a more secure tomorrow.
LIN BAN DISABILITY insurance OMNI Advantage & Essential protect yourself and family for a more secure tomorrow. income the importance of your and protecting it For most of us, financial stability and protection
More informationHow To Get A Health Care Plan From Kfhp
Resident Physicians Southern California Region For prospective employees 2015 Kaiser Permanente is committed to providing its employees with a competitive total compensation package that includes more
More informationLIFE INSURANCE OVERVIEW
LIFE INSURANCE OVERVIEW Most people think of life insurance in terms of death benefit protection. However, today s policies also provide the vehicles for meeting other goals, such as saving for retirement
More informationplain talk about life insurance
plain talk about life insurance The right life insurance can have an enormous effect on your life and the lives of those you love. It can mean the difference between leaving your loved ones well positioned
More informationUnderstanding Fixed Indexed Annuities
Fact Sheet for Consumers: Understanding Fixed Indexed Annuities PRESENTED BY Insured Retirement Institute Fact Sheet for Consumers: Understanding Fixed Indexed Annuities Put simply, a Fixed Indexed Annuity
More informationprotection Group Term Life Insurance Optional Group Term Life Insurance Short and Long Term Disability Insurance For groups with 2-50 employees:
Anthem Life & Disability Insurance Company Life and disability protection For groups with 2-50 employees: Group Term Life Insurance For groups with 10-50 employees: Optional Group Term Life Insurance Short
More informationPinney Insurance Center 800.823.4852 PinneyInsurance.com
presenting the basics of INCOME PROTECTION Step One >> Be Informed! This section will go over some essential statistics and key terms to help you better understand the basic premise for disability planning
More informationProgram Overview. The Federal Long Term Care Insurance Program. Make long term care insurance part of your plan
The Federal Long Term Care Insurance Program Make long term care insurance part of your plan Program Overview See inside for: Long term care and long term care insurance facts Program benefits Eligibility
More informationAnnuity Owner Mistakes Tips and Ideas That Could Save You Thousands
Annuity Owner Mistakes Tips and Ideas That Could Save You Thousands Provided to you by: Milton D. Flanagan ChFC, CLU, CASL, MBA Annuity Owner Mistakes Written by Financial Educators Provided to you by
More informationProtecting your family with insurance: How RBC Royal Bank can help
Insurance Protecting your family with insurance: How RBC Royal Bank can help At RBC Royal Bank, we know that you ve worked hard to get here and build a new life. Insurance helps protect what you have from
More informationVUL Protector PROTECTION. GROWTH. FLEXIBILITY. Issued by Pruco Life Insurance Company
VUL Protector PROTECTION. GROWTH. FLEXIBILITY. Issued by Pruco Life Insurance Company VULNLG-2015 FOR USE IN CA ONLY. ABOUT THIS BROCHURE This brochure provides an overview of the key features of VUL Protector
More informationTerm Life vs. Permanent Life Insurance
Term Life vs. Permanent Life Insurance Should I Buy Term or Permanent? A widow doesn t ask What kind of insurance was it - Whole Life, Universal Life or Term? She asks How much do I have to raise my family?
More informationShed the light on the importance of income protection
May is Disability Insurance Awareness Month Shed the light on the importance of income protection Greg Mazzei, Disability Income Regional Vice President Tampa, Florida What you ll learn today Who is a
More informationGetting Started in Disability Sales. The Brokerage, Inc. and The DI Center
Getting Started in Disability Sales The Brokerage, Inc. and The DI Center Agenda I. What is DI? II. Why Provide DI? III. What Carriers Offer DI? IV. Policy Features V. Sample Proposals / Comparisons VI.
More informationExpense Plus Business Overhead Protection...
Expense Plus Business Overhead Protection... DISABILITY INCOME Because Your Business is Well Worth Protecting Expense Plus High Quality Noncancelable Guaranteed Renewable Business Overhead Disability Insurance
More informationCopyright Notice & Legal Notice 2012 LifeNet Insurance Solutions 11505 Eastridge Drive NE Suite 420 Redmond, WA 98053-5758
Copyright Notice & Legal Notice 2012 LifeNet Insurance Solutions 11505 Eastridge Drive NE Suite 420 Redmond, WA 98053-5758 Feel free to share this ebook (FOR FREE) with anyone you want to. All rights reserved.
More informationDISABILITY insurance. MetLife Income Guard SM. Flexible Income Protection that Works for You.
DISABILITY insurance MetLife Income Guard SM Flexible Income Protection that Works for You. Most people prepare for important goals or events, like finding a new home, purchasing a car, taking a vacation
More informationUnderstanding Benefit Practices
Business Owner Market Study Understanding Benefit Practices Principal Financial Group Public 11/12/2009 Page 1 of 16 Table of Contents Table of Contents...2 Introduction...3 Executive Summary...3 The Research...3
More informationAdvantage Builder II ABOUT AVIVA. Consumer product guide
ABOUT AVIVA Aviva Life and Annuity Company is part of Aviva USA, one of the fastest-growing life insurers in the United States, with more than 1,115,000 customers and 32,850 agents and distributors. We
More informationKEY GUIDE Financial protection for you and your family
Kelvin Financial Planning Ltd KEY GUIDE Financial protection for you and your family Introduction Most of us believe that taking out life and other forms of protection insurance is a good thing to do.
More informationChanging the Future for Me and You Winning with Tax Deductions and Life Insurance
Reprinted with permission from the Society of FSP. Reproduction prohibited without publisher's written permission. Changing the Future for Me and You Winning with Tax Deductions and Life Insurance by Mary
More informationHow To Plan For Your Financial Future With Life Insurance
Unlocking Life s Possibilities Introducing a new perspective on life From home to work to retirement, the path of life is full of changing needs, dreams, happy moments, surprises and sometimes, unpredictable
More informationTop Five Most Common Types of Insurance Coverage
P A G E 1 Top Insurance Priorities for Families As your family grows, so does the importance of reassessing your insurance policies. People tend to believe they don t need insurance because nothing bad
More informationLong-Term Disability Insurance
Long-Term Disability Insurance Developed for Full-time Employees of Our Lady of Lourdes, Camden Protecting Your Family Securing Your Future As long as you've got your health. If you're physically healthy,
More informationExecutives. Benefits. Summary. The California State University
Executives Benefits Summary The California State University January 2006 The Benefits of Working at the CSU This summary of executive perquisites, relocation benefits, and general benefits provides an
More informationGuaranteed Protection Universal Life. Discover What s Possible
Guaranteed Protection Universal Life Discover What s Possible Guaranteed Protection Universal Life Peace of mind for you, protection for your heirs As the center of a sound financial plan, permanent life
More informationTHE NEED FOR PROTECTION A DISABILITY CAN HAPPEN TO ANYONE...AT ANY TIME.
THE NEED FOR PROTECTION A DISABILITY CAN HAPPEN TO ANYONE...AT ANY TIME. In the last 10 minutes, 490 Americans became disabled. In 2008, there were 2.1 million disabling injuries caused by a motor vehicle
More informationBusiness Assurance. Business Assurance. Protecting your business and lifestyle
Business Assurance Business Assurance Protecting your business and lifestyle Our business covers at a glance Cover What is it? Why do you need it? Life Cover Trauma Cover (accelerated) Complete Disablement
More informationDisability Insurance Statistics
Individual Disability Insurance Disability Insurance Statistics Individual Disability Insurance from Principal Life Insurance Company helps clients protect their most valuable asset - their ability to
More informationoptimizing the independent contractor status
optimizing the independent contractor status Who cares more about your financial future than you? The financial distinction between employees and the independent contractor can be summarized this way:
More informationProtect your business and enhance your financial security. Business Insurance Strategies
Protect your business and enhance your financial security Business Insurance Strategies Ensure your financial security There are often distinct advantages to being a significant shareholder in a private
More informationA guide to buying insurance
A guide to buying insurance What you should know before you buy Is life insurance right for you? Life insurance policies are designed for people who: Want to replace income that is lost due to death Seek
More informationHorizon Universal Life Insurance
Horizon Universal Life Insurance Discover More In Life 63992 MK3227(0209) TC46323(0209) Experience Life Now you can protect your home, family, business and future all in one policy. If your need is death
More informationAccordia Life Assumption Mailings Start in July Learn more. Time Tested Experience Learn more. Financial Perks of Turning 50 Learn more.
Accordia Life Assumption Mailings Start in July Now that Accordia Life has been launched, they will begin transitioning in-force life insurance policies from Athene (previously Aviva) to Accordia Life.
More informationJuly 2007. Executive
July 2007 Executive The BENEFITS Benefits of Working at the CSU This summary of executive perquisites, relocation benefits, and general benefits provides an overview of systemwide benefits generally available
More informationAnnuity. West Coast Life. Income Advantage Plus. An Immediate Income Annuity Issued by West Coast Life Insurance Company.
West Coast Life Annuity Income Advantage Plus An Immediate Income Annuity Issued by West Coast Life Insurance Company Product Guide WCLAC.1045.02.07 (03/07) A New Vision of Retirement Planning for retirement
More information2015/16 Carriers At-A-Glance Insurance Marketing Since 1972 for Life, DI, CI, Annuity, LTC, Life Settlements & Accident
2015/16 Carriers At-A-Glance Insurance Marketing Since 1972 for Life, DI, CI, Annuity, LTC, Life Settlements & Accident Term Coverage Carrier Product E-App Drop Ticket Lightning Issue Term Select a Term
More informationNonqualified deferred compensation plans
Fixed index universal life insurance (R-2/205) Allianz Life Insurance Company of North America Nonqualified deferred compensation plans A cost-effective way to reward and retain employees Fixed index universal
More informationKEY GUIDE. Financial protection for you and your family
KEY GUIDE Financial protection for you and your family Protecting what matters most Life and health insurance protection underpins most good financial planning. These types of insurance can ensure that
More informationProtecting Your Assets and Lifestyle: A Critical Illness Insurance Review
Protecting Your Assets and Lifestyle: A Critical Illness Insurance Review If a serious illness strikes, how will you protect your assets and lifestyle from financial hardship? Table of Contents Page Your
More informationHelping you recruit, reward and retain the best people
The Nationwide Corporate Incentive Program Plan sponsor guide Helping you recruit, reward and retain the best people NATIONWIDE BUSINESS SOLUTIONS GROUP In this guide, Nationwide assumes that the employer
More information