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Congratulations Jennifer T., from Florida, who is the lucky winner of a new IPAD!
Jennifer qualified to win the IPAD by writing the Allianz Masterdex 5 Plus. In addition to providing her clients with an outstanding product that will help them achieve their retirement goals, Jennifer has earned Allianz Producer Perks and is closer to qualifying for Investors Marketing's 2011 Las Vegas Symposium at the Venetian.
Congratulations Jennifer!
For more information on the Allianz Masterdex 5 Plus, visit our monthly pick section.
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Come to Vegas 2011
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We look forward to a spectacular 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 Symposium, at the Venetian, a reality.
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2-Fer Mania!
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2-fer Mania!!!
Maximize your Production
Use the same premium for qualifying for the Investors Marketing Services Las Vegas Symposium at the Venetian to qualify for these other outstanding opportunities:
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Save the Date
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2nd Annual Golf Invitational
October 4th, 2010
Join our top agents and representatives from the industry's leading insurance companies at the 2nd Annual Investors Marketing Services Golf Invitational. The event will be held at the exclusive seaside Bass Rocks Golf Club in historic Gloucester, MA on Monday, October 4, 2010. Many of last years attendees are already inquiring about this year's event. Stay tuned to learn how you to can enjoy a day of networking on the backdrop of beautiful Bass Rocks Golf Club.
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Industry News
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On Monday, July 12, 2010 SEC Rule 151a (the case of American Equity v. SEC No. 09-121) was vacated by the United States Court of Appeals for the District of Columbia. The order deleted the third paragraph, 572 F.3d at 936 and replace a paragraph that included a statement that "Having determined that the SEC's § 2(b) analysis is lacking, we grant the petitions insofar as they assert the SEC failed properly to consider the effect of the rule upon efficiency, competition, and capital formation." And that "The SEC argues it is likely to reissue Rule 151A but it also acknowledges it is in the midst of analyzing the effect of the rule upon the law of each state."
This is great news for the Fixed Indexed Annuity industry as this is a huge step in keeping FIA's from becoming securities. However, it is important for Registered Reps to realize that although FIA's may not be made into securities, many Broker Dealers do have individual rules concerning the sales of FIA's and it is important to follow these regulations.
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Sales Idea
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The Value of Time Management
No matter how hard we work, it is sometimes difficult to get everything done. There are many time management books, classes and programs to help people to get the most out of their time. Here are some comparisons on how time management is similar to financial planning.
- Create a budget. Similarly to creating a financial plan, create a "time budget" by itemizing your schedule into blocks.
- Pay your self first. Just like any good investment plan puts money into saving first, it is important to block out time for your self. When you know that this is your designated time to work out, spend time with family or friends, or do other personal activities, then you do not feel guilty or that you should be working. This also allows you to focus more on work as you know that your personal time has been scheduled.
- Prioritize. Bills must be paid before luxury. Time for important clients, goals and events should be scheduled first. Everything else can fill in the gaps.
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Monthly Pick
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With The Masterdex 5 Plus your clients receive a 5% bonus on all premiums in the 1st 5 years, along with the flexibility of a 10 yr vanishing surrender charge and the security of income for life with the Income Plus Benefit.
Features include:
- 5% bonus on premiums in the 1st 5 yrs
- 10 yr vanishing surrender charge
- 3 crediting methods
- 4 allocation options
- Income plus benefit offering great income starting immediately
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Company Updates
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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
- 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% 1st year rate
- Includes 6% 1st year bonus
- 2% 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% fixed rate
- Up to 5.15% performance triggered rate
- Up to 12.35% 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:
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Insurance Desk
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ANICO Executive TE Universal Life
Good News For School Employees!!
The ANICO Executive TE Universal Life is a universal life insurance policy with a Safety Net Guarantee Period. This product has 5 premium Bands, a minimum 3% credited to the accumulation value, allows increases with proof of insurability, and the policy will not lapse during the Safety Net Guarantee Period of ten years as long as the premiums paid to date (less any partial withdrawals or policy debt) is equal or exceeds the sum of the Safety Net Guarantee accumulated to date. This plan is available only to employees of a school district that are participating in a Section 457 deferred compensation plan.
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Webinar Wednesdays
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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!
- Wednesday,
August 4, 2010
11:00 am – 12:00 p.m. (Time Zone: US/EST)
What you always wanted to know about fixed indexed annuities (but were too afraid to ask)
Presenter: Sue Miller,
Director of Sales
Company: Investors Marketing Services
What are the benefits of a Fixed Indexed Annuity? How do the crediting methods work? How do they differ from a traditional Fixed Annuity? Which clients would benefit the most from a Fixed Indexed Annuity?
Find out more by visiting our virtual online calendar for a complete list of all of our upcoming events.
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Marketing Solutions
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FREE Client Review Kit
During the slow months of summer, many people are out enjoying the outdoors and are not as available as they would be during other seasons. Because of this, it is often harder to get in front of new prospects. Since it is much easier to get in front of existing clients, now is the perfect time to use these summer months to do annual reviews for them. During these reviews you can take the opportunity to sell new products based on their new financial situation and ask for referrals.
Call your marketing coach today for our FREE Annual Client Review Kit: which includes approach letter, email and tax review material. Supplies are limited.
Call your Sales Coach today!
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