1 15 Years and still rolling. Open MIC is open for anyone. 9:00: AM Pacific Thursday Code is IF YOU WOULD LIKE TO FIND OUT MORE ABOUT US CALL OR ANTHONY OWEN AGENT (24368) OR VISIT OUR WEBSITE 1 Open MIC notes for the Crew
2 Our brand can be your brand Annie took this pic of artificial islands made of reeds on Lake Titicaca in Bolivia, look at the colorful dresses. The entire reed island is where they live and work. Open MIC is sharing; Welcome! ABM: Always Be Marketing
3 Thank you for joining us on Open MIC 9:00: AM Pacific Thursday Code is # Editorial: Women and the Annuity Market I asked Betty to guess what percentage of our client base was female, she thought around 60%. For us it has been a terrific target market and if you are not considering marketing towards the female market, it could be an error. A recent article in link: Facts-About-Womens-Risky-Retirement-Outlook/602385#.VQcxsI7F-pA made some very strong points from a survey conducted for Transamerica. (Harris Survey)
4 As an example: 1. Only 14 percent of women are "very confident" in their ability to fully retire with a comfortable lifestyle percent of women plan to retire after age 65 or not at all. 3. Nearly half (49 percent) of women plan to work after they retire. 4. Most (64 percent) Baby Boomer women do not have a backup plan if forced into retirement sooner than expected percent expect to self-fund their retirement through 401(k) or other savings and investments. 6. Of women who have or plan to take time out of the workforce to be a caregiver, 67 percent believe that it will negatively impact their ability to save for retirement percent of women work part-time so are less likely to have workplace retirement benefits percent of women are offered a 401(k) or similar plan percent of women who are offered an employee-funded plan participate in the plan percent is the median contribution of women who participate in their employer's plan percent are saving for retirement outside of work in an IRA, mutual fund, bank account, etc. 12. Women estimate that they will need to have saved $800,000 (estimated median) in order to feel financially secure in retirement. 13. Among women who estimated their retirement savings needs, the majority (57 percent) say they "guessed." 14. Only 36 percent of women use a professional financial advisor, most (77 percent) doing so for retirement investment recommendations. 15. Many (53 percent) women want information that is easier to understand.
5 If these statistics don t scream ANNUITIES, what does? They are going to live longer than their male counterparts, they want safety and security, they want information, they are savers, want me to go on? This target market is massive, underserved and available, plus they will love our products. (Please visit TCRS to view the fullhttp://transamericacenter.org/resources/the_retirement_readiness_imperative_report.pdf) So, what would be a great way to let this target market know about you, about what you offer and what is available? How can you get in front of this group in a favorable way? I can think of several ways, but first have a look at this. By age 65, the majority of women are single so, at some point, women will be the main population that advisors work with and, according to a study in 2012 from Boston Consulting Group, women have a distinct lack of trust when it comes to the financial industry and advisors. So we want to market to them, but a significant portion of our target market don t trust us, now there is an important road block. How do we get in front of more women? How do we gain their trust? We do so by being honest and offering information. Asked what could be improved, the women said advisors need do better in understanding my goals, listening to my needs, and patiently answering my questions. Sounds like basic fact finding to me.bb Radio Agents: Write a script that speaks to the female market and put it in rotation with your broadcasts. Offer the Safe Money Book (for women) Anthony can help you with the script.
6 is a fabulous women s orientated website that helps women in several topics. I have been a member of their newsletter for 6 years. You are making a mistake if you do not join. They helped fund and maintain the National Resource Center on Women and retirement Planning. Annuities? Have a look at what they tell their subscribers: How about a retirement booklet designed for women? https://www.wiserwomen.org/images/imagefiles/wiserbklt_annuitiesupdate07revhi.pdf Now do you feel like you are missing the target market? If Betty is correct on her guess and we have 60% female clientele, did we do this on purpose? Yes, we did. How? We have always been insurance salespeople, we have always talked safety and security, and we have always fully explained the benefits an annuity can provide you might want to have another look at the 14 facts listed above. Back to marketing: Did you know March is Women History Month? Here is a government website that explains the accomplishments of women: Were I you (you still have time) I would use the off week drip with your Retire Village database to send out a little notice about the importance of this month. I would then attach a video explaining how annuities are so important to women. Where do you find such a video? Free for the use of our crew, agents and RV subscribers.
7 So, internet marketing to your database, Radio Crew a new script. Anything else? How about the Insured Retirement Institute and their survey. Summary: the highly addressable, albeit under tapped, women s segment of the annuity market The facts are obvious; this market is immense, available and ready for our story and our products. Direct mail Referrals Booths are women s events Guest speaking Anything you do to get in front of your current target market can be used for this target market. Use the easy one, use the off week drip I spoke of above.easy and the video is free.
8 Of Interest If an insurance company can accurately predict their liability, they can better predict their profitability. This makes the company a more attractive investment. By knowing how much a future liability can be settled for now, they lesson the unpredictability of the future. Transamerica offers legacy variable annuity clients a buyout Transamerica Life Insurance Co. recently unveiled a new variable annuity buyout program, offering a slice of its client base a lump sum payout in exchange for surrendering an existing VA contract. The insurer announced the rollout of its Alternative Lump Sum Offer 1.2 in a late January filing with the Securities and Exchange Commission, that [ ] The post Transamerica offers legacy variable annuity clients a buyout (http://www.looktowink.com/2015/03/transamerica-offers-legacyvariable-annuity-clients-buyout/) appeared first on Wink (http://www.looktowink.com). Count your lucky stars we are not under their control (yet).bb Top 5 regulatory issues for insurers in Focus on annuities It may come as no surprise to some that annuities make the list of important regulatory trends this year. With the product's complexity, the potential for misunderstanding and misrepresentation from agents and brokers increases. According to Deloitte, there is a strong possibility that interest rates will remain historically low for the foreseeable future, which could make it difficult for insurance companies to deliver the anticipated
9 payment streams without having to hit policyholders with unexpected premium increases. "These factors are prompting regulators to increase their scrutiny of annuity products and how they are advertised, marketed and sold," the report states. I thought you might enjoy this.bb FINRA: Members responsibility Regarding Deferred variable Annuities agent last week, we can do more! We can help: Need help on case prep? Have questions about mutual funds, stocks, bonds? Need help fact finding? We can help you put you case together. Sometime just a little adjustment is all you need; sometimes just knowing where to find specific information is all you need. We can help! Call or me
10 Sales and Marketing Topic: Our guest: Eric Hutter President Please tune in to the Safe Money Radio show on Oldies FM on Sunday mornings at 9:00 to 10:00 am. If you happen to be out of the listening area, you may also hear the show by streaming audio over the internet via
11 Agent Share: Crew! Send me your shares and we will put them on Open MIC notes, that way we help each other in our Agent Community! A call recently from an agent regarding gifting rules and limits. Q: How much can my client give away each year without tax exposure? A: The IRS has set the annual gift tax exclusion at $14,000 this year. What this means is that you can gift up to $14,000 each to as many individuals as you like in 2015 without having to pay any gift taxes. A married couple may gift up to $28,000 each to an unlimited number of individuals tax-free this year this is known as a split gift. Gifts may be made in cash, stock, collectibles, real estate just about any form of property with value, as long as you cede ownership and control of it. Q: Is the gift being received taxable? A: No, no tax to either party, person who gifts files tax form (generally) Q: If the person gifting gives more than the allowed amount, is it then taxable to the person receiving it? A: No, the tax liability rests with the person gifting, with one exception. Any tax basis on an asset such as real estate, stocks etc. then becomes the
12 tax basis of the person receiving it. As an example, if a house that costs $50,000 is gifted and now has a value of $100,000, the person receiving it would be liable for any taxable gain when the asset is liquidated. Q: How are amounts over the $14,000 annual exclusion handled? A: The excess amounts count against the $5.43 million lifetime gift tax exemption (which is periodically adjusted upward in response to inflation). While you have to file a gift tax return if you make a gift larger than $14,000 in 2015, you owe no gift tax until your total gifts exceed the lifetime exemption. Q: What happens if someone goes over their lifetime exemption? ($5.43 million) A: If that occurs, then you will pay a 40% gift tax on gifts above the $5.43 million lifetime exemption amount. One exception, though: all gifts that you make to your spouse are tax-free provided he or she is a U.S. citizen. This is known as the marital deduction. Disclosure, I am not and you should not provide advice about tax matters unless you are licensed and authorized to do so. I am providing these answers only as basic information from an amateur. Please read my disclosure at the bottom of Open MIC Notes.
13 Beneficiary Advice As we all know, the proceeds of an annuity can be paid to a named beneficiary without delay or probate expense. Responsibilities in naming the beneficiary can have an impact on you as a professional. Here are a few tips. Naming only a primary beneficiary. Be sure and ask about naming a secondary beneficiary, our products are long term and people s lives change. By omitting a named secondary beneficiary, the funds might need to face a probate issue. Will. Numerous situations have occurred where people thought their will overrode the beneficiary. Almost entirely this is not true, the beneficiary is paid via directly without regard to the will unless.the beneficiary is the estate as directed by the will Community property states. If the beneficiary is someone other than the spouse, the company may require a release by the spouse waiving rights to the annuity. Naming a minor child as a beneficiary. Most companies will not pay the annuity value to a minor, which could mean delays and the need for a trust to manage the funds.
14 Social Security numbers. Before proceeds are paid to a beneficiary, social security numbers need to be obtained. It is far easier to do so at the time a beneficiary form is completed. Handling this small detail in advance will save time and expedite the claim.
15 Big Truck Partners The product we used for this illustration was xxxxxxxxxxx (ask any of us for the details). This product has a 50% participation rate on the annual point to point. Shows it up against the market and how extremely strong FIAs are even getting just 50% of the growth of the market because of the floor and annual reset.
17 Two Returns on Your Investment: 1. Return on your money 2. Return on your life Hello Partners, What great work by Allianz to support us in our sales efforts. Got to love it when a carrier is on the same team we are! https://www.allianzlife.com/annuities/fixed-indexannuities/222/video?responsys_message_id= Watch the video and use it with your clients. Remember, you must be fully contracted with an agent number before soliciting Allianz Preferred products.
18 Product Information: David Townsend
19 New Video to Help You Start a Dialogue with Women, New Ways to Sell IUL, and How to Sell More Whole Life in the latest edition of The Weekly Reporter. Phone: Week of March 16, 2015 View in Browser Marketing Concepts Introducing In Her Shoes: A New Campaign for Female Clients Women face unique challenges that increase their need for financial advice, including having a longer life expectancy, more frequently serving as a primary caregiver for aging parents and relatives, and as a result of often taking time off work to care for family members, they may have a greater need to catch up on their retirement savings. Make sure you re equipped to serve this important demographic by leveraging these new resources. HAVE A PLAN FOR THIS MARKET SEGMENT
21 Here are several good videos about women and helping enter that target market.bb Video: Women and Chronic Illness This is worth a watch, goes with targeting to Women s Target Market.BB
22 Prudential s new consumer video shares a candid conversation among women on the joys and challenges in caring for loved ones and its impact on planning for their future. Leverage this tool to help initiate dialogue with your female clients about preparing for the unexpected. USE THIS TOOL TO START A DIALOGUE Want to Sell More Whole Life? What you say and how you say it matters. Sure, whole life insurance may have higher premiums. But it also provides more in terms of long-term guarantees, access to cash value and potential dividends. Many times clients don t understand the value of whole life insurance because producers explain it using insurance jargon and other terms and ideas that are difficult for them to follow. MetLife has found some words that work. USE THE RIGHT WORDS TO INCREASE SALES New Ways to Sell IUL IUL is more than just a retirement income supplement. Find out more in this Insurance News Net article about how advisors are using IUL policies to help control volatility in retirement portfolios. HAVE A PLAN TO CONTROL VOLATILITY Product Updates
23 New Hybrid IUL Product Value+ IUL from AIG combines many of the advantages of guaranteed universal life insurance with special features and crediting strategies that help reduce costs and deliver maximum value. LEARN MORE ABOUT THIS GAME CHANGER Introducing Performance LTC John Hancock is pleased to introduce Performance LTC - their newest long-term care insurance product. It offers competitively priced premiums, along with flexible features and options that will give your clients greater control. COMPETITIVE PREMIUMS AND MORE CONTROL Underwriting Updates New Rate Reduction Program The Prudential Rate Reduction program has been fully implemented. The program will be used for both formal applications and fully packaged informal, including Super Summaries, and for some customers can reduce their table rating from Table 2 to Standard. REDUCE CLIENT RATINGS For Producer and Advisor Use Only. Not for Client Use.
24 The Short List: Fourth Quarter 2014 Indexed Insurance Sales Indexed Annuity Wink s Sales & Market Report, 4th Quarter 2014 shows fourth quarter 2014 indexed annuity sales were $11,954 million, compared with sales of $10,544 million for the fourth quarter of Fourth quarter indexed annuity sales were up over 4.00% when compared to the previous quarter, and up nearly 4.00% when compared with the [ ] The post Fourth Quarter 2014 Indexed Insurance Sales (http://www.looktowink.com/2015/03/4q2014indexedinsurancesales/) appeared first on Wink (http://www.looktowink.com). NAFA DOL Fiduciary Duty Proposal Response On Tuesday, February 24, 2015, NAFA issued an alert regarding news from the White House that the Department of Labor (DOL) plans to move forward with a revised fiduciary rule proposal. Below is NAFA s official response to these events: NAFA strongly urges caution as the Department of Labor moves forward with its proposed rule [ ] The post NAFA DOL Fiduciary Duty Proposal Response (http://www.looktowink.com/2015/03/nafa-dol-fiduciary-duty-proposal-response/) appeared first on Wink (http://www.looktowink.com). ING Group Exits its Stake in Voya Financial NEW YORK, March 9, 2015 /PRNewswire/ Voya Financial, Inc. (NYSE: VOYA) announced today the closing of ING Group s underwritten public offering of
25 approximately 32.0 million shares of Voya Financial common stock as well as Voya Financial s repurchase of approximately 13.6 million shares of its common stock. In completing these transactions, ING Group has exited [ ] The post ING Group Exits its Stake in Voya Financial (http://www.looktowink.com/2015/03/ing-group-exits-stakevoya-financial/) appeared first on Wink (http://www.looktowink.com). Court Quashes Challenge To Bonus Annuity Feature A federal court has sided with a lower court in rejecting allegations of fraud and misrepresentation in the marketing of a 10 percent bonus annuity feature in a fixed index annuity. In a decision rendered last week, the Ninth Circuit Court in Los Angeles tossed out those allegations, noting that the policy issuer, EquiTrust Life, [ ] The post Court Quashes Challenge To Bonus Annuity Feature (http://www.looktowink.com/2015/03/court-quashes-challenge-bonus-annuityfeature/) appeared first on Wink (http://www.looktowink.com). A heretical proposal: How about sharing risk with our annuity carriers? All of us know that the current low interest rate environment is placing serious pressure on insurer margins. It s getting harder and harder for the issuer of fixed deferred annuities to maintain profitability when interest rates are at these historic lows. According to one source, some carriers prefer to deal with the problem by extending [ ] The post A heretical proposal: How about sharing risk with our annuity carriers? (http://www.looktowink.com/2015/03/heretical-proposal-sharing-risk-annuitycarriers/) appeared first on Wink (http://www.looktowink.com). Likelihood of interest rate hike by Sept. pegged at 56% (Bloomberg) The euro lingered at almost an 11-year low as the European Central Bank began purchasing sovereign debt to head off deflation and spur economic growth. The common currency touched the weakest since September 2003 before trimming losses. It slid for the past three weeks as the central bank readied the quantitative-easing program after [ ] The post Likelihood of interest rate hike by Sept. pegged at 56%
26 (http://www.looktowink.com/2015/03/likelihood-interest-rate-hike-sept-pegged-56/) appeared first on Wink (http://www.looktowink.com). Prudential: Americans Don t Have Financial Resources To Manage Emergencies Most American workers are not in a position to cover the financial needs they may face if they are unable to work or face other unexpected financial hardships, according to a research report released by Prudential Financial. In its release, the company said the research, published in a white paper called Financial Wellness: The Next [ ] The post Prudential: Americans Don t Have Financial Resources To Manage Emergencies (http://www.looktowink.com/2015/03/prudential-americans-dont-financial-resourcesmanage-emergencies/) appeared first on Wink (http://www.looktowink.com). What Advisors Need To Know About Their Older Clients HOLLYWOOD, Fla. Roughly one-third (34%) of the $53 trillion in U.S. household wealth is held by a home headed by someone who 65 older. And that percentage is doing nothing but increasing as America s average age climbs, says Marcia Larson, director of annuity product and business development at CUNA Mutual Group. Larson spoke at [ ] The post What Advisors Need To Know About Their Older Clients (http://www.looktowink.com/2015/03/advisors-need-know-older-clients/) appeared first on Wink (http://www.looktowink.com). Why Dave Ramsey and Suze Orman are wrong about life insurance in retirement Dave Ramsey, Suze Orman and scores of other financial pundits in the media scorn the idea of having life insurance in retirement. Their rationale seems to make sense on the surface: Life insurance is designed to replace your earnings when you die. Once you retire (and have no earnings) you are living off your investments. [ ] The post Why Dave Ramsey and Suze Orman are wrong about life insurance in retirement (http://www.looktowink.com/2015/03/dave-ramsey-suze-orman-wrong-life-insuranceretirement/) appeared first on Wink (http://www.looktowink.com).
27 Panel Proposes Rules For Unclaimed Insurance Policies WASHINGTON Insurance companies will be allowed to keep funds in unclaimed insurance policies and annuities for three years, under uniform rules being drafted by an advisory group. However, they will be required to use the Social Security Death Master File (DMF) or a similar database. The uniform rules were adopted by the Committee to [ ] The post Panel Proposes Rules For Unclaimed Insurance Policies (http://www.looktowink.com/2015/03/panel-proposes-rules-unclaimed-insurancepolicies/) appeared first on Wink (http://www.looktowink.com). Google Officially Enters Auto Insurance Space With Expansion to Come MOUNTAIN VIEW, Calif. Google Inc. has launched its car insurance comparison service in the United States, a much anticipated move that has been discussed in advance by industry executives and analysts. This represents the newest addition to a suite of Google Compare products designed to help people make confident, more informed financial decisions, the [ ] The post Google Officially Enters Auto Insurance Space With Expansion to Come (http://www.looktowink.com/2015/03/googleofficially-enters-auto-insurance-space-expansion-come/) appeared first on Wink (http://www.looktowink.com). JPMorgan joins Goldman as indexed annuities boom lures banks (Bloomberg) Sales of indexed annuities surged 23 percent last year, prompting banks including JPMorgan Chase & Co. to expand into the booming structured-product market. Symetra Financial Corp. began marketing annuities whose returns are derived from JPMorgan s ETF Efficiente 5 Index on Tuesday, according to Diana McSweeney, a Symetra spokeswoman. The index, which targets a [ ] The post JPMorgan joins
28 Goldman as indexed annuities boom lures banks (http://www.looktowink.com/2015/03/jpmorgan-joins-goldman-indexed-annuitiesboom-lures-banks/) appeared first on Wink (http://www.looktowink.com). Index Universal Life Insurance Quotes Added to Nationwide Rates Finder Online San Francisco, CA (PRWEB) March 03, 2015 The death benefits that some adults seek out in a regular life insurance policy might not pay out enough funds to cover all expenses. The Quotes Pros company has now added index universal life insurance quotes from providers specializing in long-term coverage at The cash value of [ ] The post Index Universal Life Insurance Quotes Added to Nationwide Rates Finder Online (http://www.looktowink.com/2015/03/index-universal-life-insurance-quotes-addednationwide-rates-finder-online/) appeared first on Wink (http://www.looktowink.com). 3 reasons why we don t sell as much life insurance as we should A generation ago, clients had no residual value from their retirement plans. Life insurance was needed to provide a financial legacy. Today, the largest asset in many people s estates is the value of their retirement savings. That s greater, in most cases than the value of their home. Click HERE to read The post 3 reasons why we don t sell as much life insurance as we should (http://www.looktowink.com/2015/03/3-reasonsdont-sell-much-life-insurance/) appeared first on Wink (http://www.looktowink.com). Advising on guaranteed living benefits Guaranteed living benefits remain popular with indexed annuity and variable annuity (VA) buyers. According to LIMRA Secure Retirement Institute, the guaranteed living benefits election rate in the third quarter of 2014 was 69 percent with indexed annuities and 76 percent for VAs (when available with the contracts). I recently spoke with Matt Hoesly, an advisor [ ] The post Advising on guaranteed living benefits
29 (http://www.looktowink.com/2015/03/advising-guaranteed-living-benefits/) appeared first on Wink (http://www.looktowink.com). Changing channels: What s next in life insurance distribution? After spending several hours online researching the amount and type of life insurance that fits her needs, the prospective buyer is ready to shop. She signs into Amazon.com s life insurance site, answers a few questions and uploads the last six months data from her fitness monitor, which tracks multiple health indicators. A cloud-based underwriting algorithm [ ] The post Changing channels: What s next in life insurance distribution? (http://www.looktowink.com/2015/03/changing-channels-whats-nextlife-insurance-distribution/) appeared first on Wink (http://www.looktowink.com).
30 Disclaimer: My opinion and/or numerous sources complied by me are used in preparing Open MIC. I obtain information from many sources, print, internet, agent gossip and other media. I always try and provide the original source or the link but my note taking habitually is lacking. Much of the content on Open MIC is written by me and is my personal opinion. You should never consider that I am the world s greatest authority or expert on anything. Always consult professionals who are licensed to give correct advice regarding taxes and securities and other topics of great importance. I am an authority in lead generation and marketing annuities and am fully licensed as an insurance salesman. I sell state approved annuity products provided by licensed insurance companies. I am also NOT an economist by license, only by hobby. If you decide to make decisions based on my particular view of the world, you should get it verified by licensed professionals or get your head examined. Open MIC is and was created for the entertainment of our agents, family, friends, guests, industry spies and me. Be careful with the information contained in Open MIC and always get advice from licensed professionals. You never know, sometimes I might make something up.so always verify! Also, the information used in Open MIC is free; I assert no copyright or literary rights. Copy away. Our competitors will copy Open MIC anyway so I might just as well give it away, saves so much mental anguish and sleepless nights. More Legal Stuff... Be responsible... we cannot know your individual situation, always do your own due diligence before responding to any offer or investing any money. I can't accept responsibility for the profitability or legality of any published articles or opinions published in Open MIC. Nothing in these Open MIC
31 notes should be considered personalized advice. Although I may answer your general questions, I am not licensed under securities laws to address your particular situation. No communication by me to you should be deemed as personalized advice. And, although all of the articles have been selected for their content, however in the interests of balanced reporting we often publish articles we may not agree with, the publishing of such articles within Open MIC notes does NOT constitute a recommendation of the products or services mentioned or advertised within those articles. Boise State did play in the Fiesta Bowl and end 12-2 another fabulous year. Did you know that since 2000, Boise State is 92-4 at home? We make no compensation for the publishing (or hosting) of Open MIC Notes...in fact it costs us for the phone "call in" system...oh well...
15 Years and still rolling. Open MIC is open for anyone. 9:00: AM Pacific Thursday 800 504-8071 Code is 5556463 IF YOU WOULD LIKE TO FIND OUT MORE ABOUT US CALL OR EMAIL ANTHONY OWEN 888-74AGENT (24368)
Robert W. Baird & Co. Incorporated Important Information about your Annuity Investment What is an Annuity Contract? An annuity is a contract between you and an insurance company, under which you make a
Zero Estate Tax Strategy AN PLANNING STRATEGY USING LIFE INSURANCE, A FOUNDATION, AND WEALTH REPLACEMENT TRUST The Prudential Insurance Company of America 0257697 0257697-00003-00 Ed. 07/2015 Exp. 01/20/2017
The New Era of Wealth Transfer Planning #1 American Taxpayer Relief Act Boosts Life Insurance For agent use only. Not for public distribution. In January 2013 Congress stepped back from the fiscal cliff
Robert W. Baird & Co. Incorporated Important Information about your Annuity Annuities are long-term investments that may help you meet or supplement your retirement and other long-term goals. Annuities
Car Insurance How can I keep my car insurance costs low? The first thing to do is bargain shop to make sure that the rates you are getting are reasonable in comparison to other companies. Within the policy
LIFE INSURANCE Life Insurance as an Asset Fr om Peanuts Collection II Fall/Winter CD From Peanuts Char. Portfolio 2002 WO_15A A New Look on Life a valuable component financial of your portfolio Life insurance
LIFE INSURANCE Life Insurance as an Asset Fr om Peanuts Collection II Fall/Winter CD From Peanuts Char. Portfolio 2002 WO_15A A New Look on Life a valuable component financial your portfolio Life insurance
An Educational Course for Adults Ages 50 to 70 Retirement Planning Today Now being conducted at Chattahoochee Technical College Location Dates & Times Chattahoochee Technical College Thursdays North Metro
RETIREMENT ACCOUNTS Gary R. Evans, 2006-2013, November 20, 2013. The various retirement investment accounts discussed in this document all offer the potential for healthy longterm returns with substantial
Does Your Client s Current Life Portfolio Make the Cut? First American Insurance Underwriters Introduces PAR: Policy Annual Review. Agents and advisors know the value of building credibility. Whether it
Select Portfolio Management, Inc. David M. Jones, MBA Wealth Advisor 120 Vantis, Suite 430 Aliso Viejo, CA 92656 949-975-7900 firstname.lastname@example.org www.selectportfolio.com Business Uses of Life
NAIC Buyer s Guide for Deferred Annuities Prepared by the National Association of Insurance Commissioners The National Association of Insurance Commissioners is an association of state insurance regulatory
Life Insurance And The New Wealth Transfer Era Disclosures The Voya Life Companies and their agents and representatives do not give tax or legal advice. The strategies suggested may not be suitable for
Six Strategies to Help Retirees Reduce Taxes and Preserve Their Assets Provided to you by: H. Howard Rigg CFS,CRPS,RFC,CASL Six Strategies to Help Retirees Reduce Taxes and Preserve Their Assets Written
Cetera Financial Specialists LLC 200 N. Martingale Road Schaumburg, IL 60173-2096 BUYING A VARIABLE ANNUITY CONTRACT THROUGH CETERA FINANCIAL SPECIALISTS LLC General Considerations Before you buy any insurance
create tax advantaged retirement income you can t outlive 1 Table Of Contents Insurance Companies Don t Just Sell Insurance... 4 Life Insurance Investing... 5 Guarantees... 7 Tax Strategy How to Get Tax-Free
Nurses Retirement Decision-Making Guide A Joint Project of the Center for American Nurses and WISER, the Women's Institute for a Secure Retirement WISER THE WOMEN S INSTITUTE FOR A SECURE RETIREMENT The
Online Advisor October 2015 Major Tax Deadlines For October 2015 * October 1 - Generally the deadline for self-employeds and small businesses to establish a SIMPLE retirement plan for 2015. * October 15
Positioning Guide Inheritance Life Plus Fixed, single-premium universal life insurance Policies issued by American General Life Insurance Company, a member of American International Group, Inc. (AIG) Increase
name: name: Financial advisor s name: Tony Novak, Freedom Benefits, 800-609-0683 Date of interview: Documents reviewed: Tax returns Liability insurance policies Medical insurance policies Life insurance
CHAPTER 4 Life Insurance Structure, Concepts, and Planning Strategies Where can you make a Simpler living as a needs financial planner? 1) Wealthy clients have a much higher profit margin. The challenge
RETIREMENT ACCOUNTS (c) Gary R. Evans, 2006-2011, September 24, 2011. The various retirement investment accounts discussed in this document all offer the potential for healthy longterm returns with substantial
Law Offices of Robert J. Ross 1622 W. Colonial Parkway, Suite 201 (847) 358-5757 Inverness, Illinois 60067 Fax (847) 358-7088 Bob@RobertJRoss.com ESTATE PLANNING Estate planning is more than simply signing
White Paper Estate Freeze Technique: Private Annuity www.selectportfolio.com Toll Free 800.445.9822 Tel 949.975.7900 Fax 949.900.8181 Securities offered through Securities Equity Group Member FINRA, SIPC,
Selling Life Insurance to Your Prospects and Clients 1 The Value of Growing Life Sales Maximizing overall sales Growing new sales rather than shifting sales Further strengthen the agent/client relationship
Buyer s Guide for Deferred Annuities Variable Prepared by the NAIC National Association of Insurance Commissioners This guide does not endorse any company or policy Reprinted by John Hancock Life Insurance
Retirement. Income. your way YOUR GUIDE TO SUNFLEX RETIREMENT INCOME Life s brighter under the sun Table of contents Introduction... 3 The five retirement risks... 4 Money for Life... 5 Product Overview
INVESTMENT AND PLANNING SOLUTIONS Redefine your means in retirement Member FINRA/SIPC INVESTMENT AND PLANNING SOLUTIONS More guaranteed income to count on when you need it to count. It s taking that second
Life Insurance for Life and Beyond Why I am talking about life insurance? Because life insurance may be the most underused strategy to protect large retirement balances from being decimated by the highest
Annuity Rescue Strategy An estate planning technique for individuals who own deferred annuities with sizable growth. Transamerica Occidental Life Insurance Company Despite the advantage of tax-deferred
ANNUITY MAXIMIZATION STRATEGY An estate planning technique for individuals who own deferred annuities with sizable growth. Transamerica Occidental Life Insurance Company Preserving Hard-Earned Assets As
Annuity Ownership Considerations What is an annuity owner? What are the owner's rights? Who should be the owner? What if the owner dies? Is the annuity includable in the owner's estate? What risks does
Life Insurance as an Asset Class: A Predictable Asset for Unpredictable Times This material is not intended to be used to avoid tax penalties. It was prepared to support the promotion or marketing of the
WHAT YOU DON'T KNOW ABOUT ANNUITIES CAN HURT YOU FINANCIALLY Presented by: James J. Holtzman, CFP, CPA Personal Chief Financial Officer and Shareholder Legend Financial Advisors, Inc. And EmergingWealth
A Sole Proprietor Insured Buy-Sell Plan At a sole proprietor s death, the business is dissolved and all business assets and liabilities become part of the sole proprietor's personal estate. Have you evaluated
IN THIS ISSUE: Income Tax Overview Qualified Dividends Long-Term Capital Gains Ordinary Income Additional Income Tax Planning Ideas Income Shifting to Junior Generations Roth IRA Conversions NUA Planning
The Hartford Saver Solution SM A FIXED INDEX ANNUITY DISCLOSURE STATEMENT THE HARTFORD SAVER SOLUTION SM FIXED INDEX ANNUITY DISCLOSURE STATEMENT This Disclosure Statement provides important information
Chapter 17 Annuities Rebecca L. Franciscus, Esq. Attorney-Advisor Denver Regional Office U.S. Securities and Exchange Commission SYNOPSIS 17-1. What Is an Annuity? 17-2. Types of Annuities 17-3. Regulation
Single Premium Immediate Annuity I SecureLiving Series SecureLiving Income Provider Do what you love. Issued by Genworth Life Insurance Company & Genworth Life and Annuity Insurance Company 130800 08/22/13
This is an introduction to the benefits of selling annuities. If you are an experienced annuity seller, then this class may not be the one for you. If you are not used to selling annuities, hang on and
Variable Annuities What You Should Know Information is an investor s best tool WHAT YOU SHOULD KNOW 1 2 VARIABLE ANNUITIES Variable Annuities Variable annuities have become a part of the retirement and
-17-5. Life Insurance: What to Look For Have you ever thought about buying life insurance? Have you ever puzzled about whether you needed it and if you did, how much to buy? Or what kind? Or how to compare
Wealth Planning Year End Tax Tips The end of every year poses a critical deadline for utilizing certain tax benefits. The following covers various items to address in your annual tax, estate, retirement
Buyer s Guide for Deferred Annuities Fixed Table of Contents What Is an Annuity?...2 When Annuities Start to Make Income Payments... 2 How Deferred Annuities Are Alike... 2 How Deferred Annuities Are Different...
Variable Annuity Suitability Form P.O. Box 64284, St. Paul, MN 55164 (800) 800-2638 woodburyfinancial.com This submission must contain the items listed below. If any of the following items in this submission
Why you need an estate plan. Now. Make things easier for the people you love. Eight questions it s best to answer now. No one can predict the future, but one thing is sure: If we leave unanswered questions
IRREVOCABLE LIFE INSURANCE TRUSTS FOR ESTATE AND TAX PLANNING (Estate Planning Advisory No. 1) This Advisory discusses the general estate planning and asset protection benefits of an irrevocable life insurance
Life Guide Retirement and Social Security The Social Security Administration estimates that 96% of American workers are covered by Social Security. For most of them, their monthly Social Security check
An Exit Strategy for Annuities The Annuity Liquidity Program Stone Street Capital s Annuity Liquidity Program allows for an exit strategy for annuities. This program allows your clients to access funds
UNDERSTANDING FIXED INDEXED ANNUITIES INTRODUCING FIXED INDEXED ANNUITIES Fixed Indexed Annuities combine the features of Fixed Annuities including tax-deferred interest accumulation, a minimum guaranteed
Buyer s Guide for Deferred Annuities Prepared by the NAIC National Association of Insurance Commissioners The National Association of Insurance Commissioners is an association of state insurance regulatory
The Hartford Saver Solution Choice SM A FIXED INDEX ANNUITY DISCLOSURE STATEMENT THE HARTFORD SAVER SOLUTION CHOICE SM FIXED INDEX ANNUITY DISCLOSURE STATEMENT This Disclosure Statement provides important
Retirement today requires more planning than for previous generations. Americans are living longer many will live 20 to 30 years or more in retirement. Finding a way to make savings last over such a long
A Senior Market Life Insurance Sales Opportunity! Table of Contents Overview Finding Premium Dollars Questions You Should Be Asking ALL Clients/Prospects Real Cases Written Some Tips What s Your Next Move
ANNUITY PRODUCTS TRAINING COURSE Single Premium Immediate Annuity The Sagicor Gold Series Single Premium Immediate Annuity (SPIA) turns a single lump-sum deposit into a reliable and consistent income stream.
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
10 common mistakes Help protect your valuable retirement assets Not FDIC Insured May Lose Value No Bank Guarantee Not Insured by Any Government Agency You ve worked hard to build your retirement assets......
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
White Paper: Using Cash Value Life Insurance for Retirement Savings www.selectportfolio.com Toll Free 800.445.9822 Tel 949.975.7900 Fax 949.900.8181 Securities offered through Securities Equity Group Member
LTC/Combo Products on Life Insurance and Annuities- Understanding the Current Tax Laws and Defining Sales Opportunities Shawn Britt, CLU Director, Long-term Care Initiatives Advanced Consulting Group Nationwide
Payout Guide A GUIDE TO OPTIONS FOR YOUR STATE OF MICHIGAN 401(K) AND 457 PLAN ACCOUNTS 1-800-748-6128 http://stateofmi.ingplans.com State of Michigan 401(k) and 457 Plan Participant: You ve worked hard
Modern Retirement Planning Course Appropriate for Ages 50-70 Offered at... Washington State University Tri-Cities TM Location WSU Tri-Cities Consolidated Information Ctr Room 216 2710 Crimson Way Richland,
Get help achieving your financial goals. TIAA-CREF: Committed to your overall financial well-being Did you know? TIAA was founded in 1918 to provide retirement security to university faculty. TIAA-CREF
Complimentary Financial Planner Creating Wealth Since 1922 PERSONAL INFORMATION Name Social Security Number Date of Birth Home Street Address You Your Spouse City, State, Zip Home Telephone Marital Status
A Consumer s Guide to: Life Insurance What you should know about shopping for life insurance Washington State Office of the Insurance Commissioner www.insurance.wa.gov Table of Contents A consumer s guide
March 2013 The Basics of Annuities: Planning for Income Needs summary the facts of retirement Earning income once your paychecks stop that is, after your retirement requires preparing for what s to come
Buyer s Guide for Deferred Annuities Prepared by the NAIC National Association of Insurance Commissioners The National Association of Insurance Commissioners is an association of state insurance regulatory
Training Module Fixed Annuity Products Issuer: Western-Southern Life Assurance Company Featuring: Acclaim FI-09-0002 Horizon FI-08-004 MultiRate FI-03-014 Annuity Guide Prepared by the National Association
Columbus Life Insurance Company Strength. Product. Relationships For financial professional use only Slide 1 Columbus Life Insurance Company, Cincinnati, Ohio CL 5.XXX (09/12) is licensed in the District
BUYER S GUIDE TO FIXED DEFERRED ANNUITIES The face page of the Fixed Deferred Annuity Buyer s Guide shall read as follows: Prepared by the National Association of Insurance Commissioners The National Association
An Asset Repositioning Strategy Repositioning Retirement Assets to Preserve a Legacy using Life Insurance Chana Beene, CLU Beene Wealth Management 400 Austin Avenue, Suite 200 Waco, TX 76701 Phone 254-755-6575
The Business Library Resource Report #12 Key-Executive Insurance: Why, Who, When, and How Much?! Who Should Be Covered?! Why Buy Key-Executive Insurance?! How Much Should Be Purchased?! What Will it Cost?!
HERMENZE & MARCANTONIO LLC ADVANCED ESTATE PLANNING TECHNIQUES - 2015 I. Overview of federal, Connecticut, and New York estate and gift taxes. A. Federal 1. 40% tax rate. 2. Unlimited estate and gift tax
WHICH TYPE OF IRA MAKES THE MOST SENSE FOR YOU? In 1974, when IRAs were first created, they were rather simple and straightforward. Now, 35 years later, it s challenging to know the best way to save more
WD & Associates WILLIAM DELMAGE President 22 Hemingway Drive East Providence, RI 02915 (401) 435-4239 103 email@example.com www.wdandassociates.com Second to Die (Survivorship) WD & Associates Page
Life Insurance Review helping to ensure your life insurance coverage meets today s goals Life. your way Strive to live your dream and plan for the if in life. Discover the flexibility of life insurance
Script for Presentation of Premier VI Private Annuity/Trust, Capital Gains Deferral Note to Presenter: A good handout or study guide to go with this presentation is NAFEP s, 7 page Deferring Capital Gains
March 2014 TCRS 1161-0314 Transamerica Center for Retirement Studies, 2014 Transamerica Center for Retirement Studies, 2013 1 Table of Contents PAGE Fourteen Facts About s Retirement Outlook: Select Findings
BUSINESS SUCCESSION: PLAN NOW FOR SUCCESS 6 STEPS TO ACHIEVE YOUR VISION As a business owner, you ve invested time and effort to build a business that supports your family and many others, including employees,
Passing on the Good Stuff! Implementing a Roth IRA Conversion Using Life Insurance Passing On The Good Stuff! All inheritances aren t equal. Even two different assets that are worth similar amounts may