2nd Annual Golf Invitational

Only 4 Days Left!

Monday, October 4, 2010

Enjoy a guilt Free Golf day with a seaside view at the annual Investors Marketing Services Golf Invitational. This year’s event will be host to the IMS Foundation, a charity dedicated to fostering the entrepreneurial spirit by providing scholarships to students. Not only will you be networking, but you will be supporting a great cause all while you stroll the pristine course at Bass Rocks Golf Club.

Qualify by writing $100k in annuity premium or $10k in life premium during the months of August and September. Those who attend the Invitational will be entered to win a 42inch flat-screen TV as well as being eligible to win a multitude of prizes.

Call your Sales Coach to learn more, or for selling tips to help you qualify!

September is Life Insurance Awareness Month!

Let Investors Marketing Services provide you with all the resources necessary to complete your life insurance production needs.

From advanced case and product design, to client brochures and profiles, marketing systems, efficient case design and top commissions - Investors Marketing Services is here to support you!

This month’s newsletter is packed with value to increase your life insurance business. Don’t forget to call 1-800-462-2551 to request your FREE life insurance review kit.

Promotions and Product Updates

Industry News

1035 Exchange from an Annuity to LTC insurance

Many of the Long Term Care (LTC) provisions of The Pension Protection Act of 2006 (PPA) went into effect on January 1, 2010. These new provisions expand the planning opportunities in the LTC, life insurance and annuity markets. Previously, funds could be 1035 exchanged into annuity products from life insurance products, but could not be transferred out with out incurring tax consequences. The PPA allows LTC premiums to be paid in a tax-advantage way through a 1035 exchange from annuity or life insurance cash values. In order to take advantage of the tax benefits, the LTC policy must be qualified, and the benefit can not exceed the greater of the actual cost of long term care or that year’s daily benefit prescribed in HIPAA.

This is a great sales opportunity for clients to use the cash values in annuity or life insurance products to fund LTC without incurring tax consequences. Your sales coach at Investors Marketing Services can help you to use the best annuity and LTC products to maximize this new benefit.

Call us at 1-800-462-2551 for help on building your next case.

Sales Ideas

Life Insurance Check Up

September is designated as Life Insurance Awareness month to remind people to review their insurance needs and confirm that they have enough and appropriate life insurance. It is important to keep the following items in mind when reviewing a client’s life insurance needs:

• What was the purpose of the original life insurance policy?
• Do these needs still exist? Is the current policy still satisfying these needs?
• Have there been life changes such as marriage, divorce, an addition to the family, change in income?
• Have they recently left a job that provided life insurance?
• Have they developed any health conditions?
• Do they have a term policy that should be converted to permanent insurance?
• Do they have a permanent policy that they could stop or reduce payments on?
• Review the beneficiaries to make sure they are correct.

Call today for your FREE Life Insurance Review Kit, 1-800-462-2551.

Monthly Pick

New Product!

Phoenix Index Select Gold Bonus

Regardless of what your clients need, this product has it all! It has a great bonus and strong crediting methods for those clients who want a walk-a-way- product, and excellent income riders for those clients who want the security of income for life.

Features Include:

• Free E&O insurance
• 8% upfront premium bonus
• 6 point-to-point index options
• 10 year declining surrender charge
• 3 income riders

Choice of 3 Income Riders:

• Income 25 – Provides an immediate 33% bonus (8% product + 25% rider bonus), for those clients looking to take income immediately or very soon.
• Income Max- Provides the highest annual benefit % available for clients desiring the maximum income out.
• Income Plus- Provides an 8% compound roll-up to the benefit base for 10 years for clients who want to defer their income.

Company Updates

Allianz

Masterdex X– NEW Simple Income III Rider- Demand has created a supply of income riders to provide clients with a guaranteed income...read more

American General

American General Global 8 Fixed Indexed Annuity - Diversify your client’s indexed annuity allocations to reach the... read more

Great American

Sometimes products look good when you are getting into them, but then the caps or rates drop. This dilemma can be prevented... read more

Lincoln Financial

You don't have to decide between a fixed and a fixed indexed product with the Lincoln... read more

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... read more

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... read more

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... read more

Veiw All of the Company Rates

Insurance Desk

September is Life Insurance Awareness Month

Offer your clients a fixed index universal life policy that gives them flexibility and options! The Allianz GenDex Momentum Fixed Indexed Universal Life Insurance Policy offers:

• A Death Benefit from $100,000 to $65,000,000.
• Level, increasing or return of premium death benefit options
• When the insured turns age 120, the death benefit equals the accumulation value.
• Survivor benefit option that increases the death benefit by 10% if the beneficiary takes policy proceeds over 10 yrs or longer.
• Beginning on the 10th policy anniversary, the current and guaranteed accumulation values will be eligible for an accumulation value bonus.
• Access to the policy’s cash value through loans, partial surrenders or terminal illness accelerated benefits.
• 10-year death benefit guarantee
• 3 Index Allocation options
• 3 crediting methods
• Riders including term rider for the insured, other or a child; LTC accelerated Benefit rider; Enhanced Cash Value Rider; Loan Protection Rider

Call today for your FREE Life Insurance Policy Review Kit