|
IMS is keeping you linked to the future with a FREE I-Pad!!!
Just when we all got accustomed to the convenience of a laptop, something better came along to make us realize how cumbersome laptops actually are. There is no waiting for the new light-weight compact i-Pad to start up, bringing you into a universe where you can instantaneously read books, run more than 100,000 applications, share your personal life with the world and efficiently complete your business transactions. Investors Marketing Service will provide one lucky person with the experience for FREE! Simply fax us the attached form for each piece of business you write during the month of June, and they will be put into a drawing for a FREE i-Pad ! The more applications you write, the better your chances of winning!
Form must be filled out and faxed back to be entered. Fax Forms to
(978) 774-4249.
Start today - fill out an entry form.
|
Come to Vegas 2011
|
|
Join the Investors Marketing Services top producers in VEGAS 2011 at the Venetian!
We look forward to a spectacular Alternative Wealth Opportunities Symposium at the Venetian in 2011!
Our top agents who earn their ticket to attend for Free, will advance their business by acquiring a wealth of knowledge and networking drawn together in one fantastic sales venue. We have again chosen Las Vegas as the host of this motivational event. Our handpicked sponsors will heighten your business expertise and the knowledge gained from attending this symposium will be the business ride of a life-time. Only our top producers will be chosen for this event and as a result you will receive focused, direct interaction with our select sponsors. This Symposium is built to reward our best-of-the-best and you will find it is like no other show.
Call your sales coach today for sales ideas and products to help make the Investors Marketing Services Alternative Wealth Opportunities Symposium, in Las Vegas a reality.
|
|
Industry News
|
|
|
Another Tax Law for Annuities
As part of the Reconciliation act of 2010, H.R. 4872 “fixer bill” will impose a 3.8% tax on investment income to raise revenue for Medicare. The tax will apply to those with a modified adjusted gross income of over $200k for individuals, and $250k for couples. This tax will apply to all income including income from savings and investments, interest, dividends, royalty income, rental income, income derived from passive activities, net gain from the disposition of property and annuities. There are varying opinions on if this new tax will only affect the upper class, or if it will also affect the middle class since there is no provision for inflation. Because of the tax deferred benefits and ability to choose what year to be taxed, annuities remain an important vehicle in the planning process.
|
|
Sales Idea
|
|
Simple Selling Tips
The Marketing tool “YOU”.
- When delivering a life, LTC, DI, or P&C policy, ask your client where they keep their "safe" money.
- Write your clients policy number on the back of your business card. When delivering the policy, tell them to keep the card in an easily accessible place and reference the number on the back when calling you.
- Create a "401k rollover kit." When you hear of company layoffs, contact the human resources department to offer your services and ask if they would like to receive printed material to have on-hand. *Extra Tip- Leave the BrokerageWorks postcard on "rolling over your retirement plan" in the local unemployment office.
- Have an appreciation dinner for top clients. Invite an insurance wholesaler to host an informal discussion (the company will usually help pay for this). Don't forget to ask each client to bring a friend.
- Host and sponsor a party at your client's house. Have them invite 2-6 of their friends for a tea, wine tasting, martini, or food party.
- Offer free, non-product related seminars at a library or non-profit organization. *Extra tip- For better results, advertise that a local restaurant's food will be served. The restaurant may be willing to donate the food for free advertising.
- Plan an event for your top clients and their friends. Provide the transportation and go to a casino, tour a museum, or catch a ball game. You will have a captive audience to and from the event.
|
|
Monthly Pick
|
|
|
With uncertain interest rates and upcoming tax laws, many people are skeptical about investing in bonds directly but still want to take advantage of the bond indexes. Clients are also looking for short term and simpler designs, specifically FIAs with shorter surrender periods. The New Allianz ProV1 fixed indexed annuity gives includes the features that the industry is demanding.
Features include:
- 5 year surrender charge
- Issue age 0-85
- Indexing crediting methods annual point to point with a spread
- Barclays Capital U.S Aggregate Bond Index or fixed interest account
- 10% free withdrawal per year available immediately
- Minimum premium = $10,000
|
|
Company Updates
|
|
Allianz
Are you looking for a walk away index annuity with a high bonus and great income rider? In addition to a 10% Bonus, the Masterdex X offers indexed potential, a 10 year surrender charge, and increased income from a depreciating asset.
Features Include:
- 10% Bonus on all premiums in the 1st 3 contract years
- 3 Index types and a fixed interest option available
- Simple Income II rider option available with an 8% roll-up
- Issue age 0-80 Q/NQ
- 10 year surrender charge
- $20k Minimum premium
- Accumulation value upon death
- 10% of premium free withdrawal per year, beginning 1 yr after last premium received
More from Allianz:
American General
Here is a product with a 6% 1st year bonus along with continued guarantees!
Features include:
- 8.25% 1st year rate
- Includes 6% 1st year bonus
- 2.25% guaranteed rate for 6 years
- 10 year surrender
- Issue age 0-85
- 6% commission
More from American General:
Great American
Sometimes products look good when you are getting into them, but then the caps or rates drop. This dilemma can be prevented with the Great American Safe Outlook Bailout Cap on the indexed strategies.
Features include:
- Bailout cap in indexed strategies: Annual point-to-point and monthly averaging
- 6 yr surrender
- 10% Free withdrawal
- $10k minimum premium
- Issue Age 0-85
More from Great American:
Lincoln Financial
You don′t have to decide between a fixed and a fixed indexed product with the Lincoln New Directions 6. In addition to a high performance triggered index account or a two year point to point index account, this great product has a high fixed account guaranteed for the entire 6 years that you can move in and out of on the policy anniversary.
Features Include:
- Up to 3.1% fixed rate
- Up to 5.55% performance triggered rate
- Up to 13.6% 2 yr pt-to-pt cap
- Minimum guarantee of 1.75% on 100% of the premium
- Minimum premium of $10k
- 10 year surrender charge
- High company ratings
More from Lincoln Financial:
Old Mutual Financial Network
The Guarantee Income Plan's Senior Safeguard option is a single-premium immediate annuity that could be used to help your clients as they plan for Medicaid assistance.
Features include:
- Irrevocable, non-transferable and non-assignable
- There is no cash value that can be surrendered, loaned, commuted or withdrawn
- Convenient monthly, quarterly, semi-annual or annual income paymentschedules
- Maximum issue age = 100 yrs old
- $5,000 minimum premium
- No maximum premium
- Guarantee income plan payout option = minimum of 2 yr period certain
More from OMFN:
Phoenix
30% 1st year rate using the Income 25 income rider!! This income rider offers the highest income payout in the industry for clients who are looking to start income in the 1st year.
Features include:
- Free E & O insurance
- 5% Upfront Premium Bonus
- 5 point-to-point indexed account options
- Premium Band Enhancement
- Issue age 0-85
- Minimum Premium = $15,000
- 10 year surrender charge
- 10% free withdrawal per year
More from Phoenix:
Reliance Standard Life
Do you think that rates might go up? The RSL Eleos MVA offers a 1st year bonus, high base rate that renews annually, free withdrawals and a great commission!
Features Include:
- 3.9% 1st year rate
- 3.15% base rate
- 5 year surrender
- Up to 4% commission
- Issue age 0-85
- 10% free withdrawal starting year 1
More from Reliance Standard Life:
|
|
Insurance Desk
|
|
|
Capture 1.8 Trillion Dollars
1.8 Trillion Is on the Sidelines in American Small Business′
Use the Sun executive UL to move that money to
defer taxes and reward key employees.
Producers do not need to be experts in this market.
The majority of sales are the result of existing relationships.
This product is designed specifically for small to medium size businesses. There are 4.4 million small businesses in the US. Flexible ownership and underwriting options - allows you to meet a variety of business needs.
Benefits Include:
- Guaranteed Issue Potential - up to $3M in face amount
- High Early Cash Value Potential
- No Surrender Charges
- Target is the TAMRA premium paid first year
Learn More…
|
|
Webinar Wednesdays
|
|
Upcoming Webinars
Attend our educational webinars or view our archived sessions to gain industry knowledge, sales ideas and learn how to utilize the tools and services we provide to maximize your business!
Find out more by visiting our virtual online calendar for a complete list of all of our upcoming events.
|
|
Marketing Solutions
|
|
|
FREE interactive Client Check-Up
Just for calling in - Call today 800-462-2551
Staying in front of clients has never been more important than it is today. You should reach out to your clients as often as possible, whether it be through direct mail, email, seminars, or phone calls.
This month only, Investors Marketing is offering our licensed agents our FREE “On Track Checklist.” This client friendly fill-able PDF comes complete with a pre-approach letter that you email to your client. The checklist includes a series of financial questions aimed to help you realize what your client may need to update their current portfolio. The information you gathered from this checklist will in turn help you tap into potential additional sales. Call your sales coach before the month is over and they will send this FREE marketing tool.
|
|
|
