Annuities
Deferred Annuities
Some of our most popular traditional fixed annuity plans include:
- 1 yr rates as high as 1.60%
- 3 yr rates as high as 2.80%
- 5 yr rates as high as 4.00%
Income AnnuitiesSurveys show the #1 fear of retirees is that they will outlive their retirement income.
Traditional retirement income planning is based on assumptions that break down and fall apart.
Our VISTA program can position you as the premier retirement planner in your community:
- VISTA is simple to understand, yet very effective
- It is turnkey...all support info is professionally packaged
- It increases your client's confidence in you
- It increases your confidence in your planning ability
- It increases referrals and assets per client
Contact Adam Frechette at ext. 230 to discuss VISTA or for answers to your other annuity questions. Please also try our online quote request tool.
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Disability Income
 A "first" for the D.I. market... Principal has introduced a Key Person contract that will protect the business if the Key Person becomes too sick or hurt to perform their duties. Principal has also added a Loan Protection rider to their BOE contract which can indemnify the insured to the lendor.
MetLife has announced higher participation limits for non-invasive physician specialties (5S) and executives (6S). MetLife will now participate up to $30K with group LTD.
Do you have a small group (2-19) looking for life, STD or LTD? Reliance Standard is your answer. Their STD even covers maternity leave!
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Sales Tip 
20 year level term plans account for 60% of all term sales. Here's a tip on how you can double your commission on some of these cases.
Instead of simply giving your client the 20 year level term plan he or she asks for, show them a guaranteed UL plan structured as a 20 year "term-equivalent". The info below compares the cost of Lincoln National's 20 yer year level term plan & their LifeGuaranteeUL plan:
- The cost for a 20 year level term policy on a M-60 Standard Non-Tobacco user is $5,400.
- It is only convertible for 10 years, to age 70.
- It is commissionable at 90% for a total commission of $4,876.
The cost for a guaranteed UL structured as a 20 year "term-equivalent" costs $5,476.
- The premiums are guaranteed for the full 20 years, just like 20 year level term
- Since it is already UL you don't have to worry about conversion before the 10th anniversary...the price can be adjusted at any time. This is a huge selling point!
- The target/commissionable premium is $11,850 and it is a "rolling" target. You receive first year commissions in ongoing years until you hit target.
- It is commissionable at 90% for a total commission of $10,665!
While every age/rate class may not be as close as this, it is well worth your time to look at this scenario on all of your 20 year level term sales.
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