Cash for the Holidays!

Santa’s IMS helpers will give you cash
for your annuity applications that
are issued before
the end of the year!

Use our Santa’s Secrets of Success guide for the tools
you need to get your business issued and paid for by
the end of the year and to get your cash!

Put your cash back into your business using IMS’s great marketing programs:

• Hold a Seminar - We can show you how!
• Mail Campaigns - We make them custom.
• More Leads - Our leads are high precision.
• Build a website - We offer quick turn-around.
• Brand Yourself - Let us give you a new logo.
• Client Newsletters - We can help you keep in touch.

At Investors Marketing Services, we want to help you stay on the right track.
Take advantage of our free Santa's Sercret of Success guide to get your business
issued and paid faster! Plus, when ever you use our "Santa’s Secrets of Success", we'll send you an additional gift…cash!

Help us send Matt Pipes to Australia

IMS’ own Matt Pipes (son of Jen Pipes) was recently interviewed and accepted to participate as a Student Ambassador with the People to People Program.  This prestigious program will give Matt the opportunity of a life-time allowing him to represent his school, community, state, and country all while experiencing the many cultural aspects of Australia.

Matt is a seventh-grade honor student living in southern Maine.  He has enjoyed playing league baseball and basketball and is actively involved in Boy Scouts and a variety of volunteer activities.

If you would like to help Matt accomplish his goal of getting to Australia a donation can be made directly. To make a donation, make checks payable to People to People and mail to Investors Marketing Services c/oJen Pipes, 168 Centre Street, Danvers, MA, 01923.

To learn more about the People to People Student Ambassador Program, please visit thier website at www.peopletopeople.com.

We thank you in advance for your generosity and support of this wonderful opportunity for Matt.

Promotions and Product Updates

Industry News

Proposal to increase the age to receive Social Security benefits

The recent proposal from Democrat Erskine Bowles and Republican Alan Simpson to gradually increase the full retirement age to receive social security benefits to age 69 would take effect in about 2075, when today’s 4 year olds are ready to retire. The current Social Security system allows early retirement benefits at age 62, and full retirement benefits at age 66 (increasing to age 67 for people who were born in 1960 or later). There is much concern that the new proposal would negatively affect poor and middle class citizens, especially since due to health issues it is often very difficult for many people to work until age 69. The continually changing laws emphasize the importance for individuals to plan ahead for their retirement through independent sources such as retirement plans, annuities and cash value life insurance. A fixed indexed annuity can provide guarantees in deferral, and a guaranteed life-time income.

Sales Ideas Prevent RMD’s from depleting your clients’ income.

It is well established that an important part of the retirement planning process is to contribute to qualified retirement plans. An equally important factor of the plan is to prevent the qualified retirement account from being depleted by Required Minimum Distributions (RMD’s). If proper planning is not implemented, as RMD’s increase in later years the account will eventually be depleted, leaving your client with no income.

Protect your client’s income by providing guaranteed income for life using a guaranteed income benefit. Most indexed annuities provide competitive income benefits that can be purchased at the time of issue. Using the example of a 65 year old receiving a 5% guaranteed income for life, the 5% is based off of the accumulation value at the time the income begins. As the client receives the guaranteed income, the accumulation value is decreasing. When the client reaches the age of 70 ½ and must start taking RMD’s, the accumulation value is much lower and this is the value that the RMD’s are based off of. As the years progress, the accumulation value is decreasing as the RMD % is increasing. However, the 5% income is based off of the original premium so will continue to meet the RMD requirements. Once the accumulation value is depleted and RMD’s are no longer required, the client will still continue to receive the 5% income for life.

This strategy provides your client with a guaranteed life-time income, even after RMD’s have depleted the accumulation value.

For more information on the Required Minimum Distributions (RMD’s) read on…

Monthly Pick

Allianz Masterdex X and
NEW Simple Income III Rider

Demand has created a supply of income riders to provide clients with a guaranteed income for life. Although this solves the problem of outliving their income, it does not solve the problem of having their payments keep up with inflation. Until Now. The New Simple Income III income rider on the Masterdex X allows your clients’ income to increase with the Consumer Price Index (CPI).

Features of the Simple Income III rider include:

• 8% simple bonus per year until withdrawal begins or age 90
• Choice of steady, indexed, or CPI-U linked payout options for a single or joint life payout

Features of the Masterdex X include:

• 8% Bonus on all premiums in the 1st 3 contract years
• 3 Index types and a fixed interest option available
• Simple Income III 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

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Insurance Desk

American General Exam-Free Term Upgrade

New streamlined underwriting provides more coverage with no medical tests.

Do you have clients who require additional life insurance coverage, but don’t want the hassle of going through underwriting and having to take time out for uncomfortable paramed exams?

If your client was medically underwritten for level premium term insurance  at a standard rating or better with an eligible major carrier, they may qualify for an American General Exam-Free Term Upgrade! This makes it easy to get 3 times their original coverage, up to $500,000, with no additional blood work or lab tests!  The minimum eligible face amount is $100,000 and your client must be between the ages of 20-50. The coverage will be provided for approximately the remaining period of time on the original contract based on calendar year of issue.