Annuities
Are you familiar with Medicaid Annuities? They allow nursing home residents to give away approximately 1/2 of his/her spend-down amount. They are quick and easy!
Annuity rates are higher than CD's. What are other advantages of annuities vs. CD's? The following are some of the today's best multi-year guarantee rates (MYGAs):
- 3 yr rates as high as 2.70%
- 5 yr rates as high as 3.65%
- 7 yr rates as high as 3.85%
Contact Adam Frechette at ext. 230 for answers to all of your annuity questions and sales support. Please also try our online quote request tool. |
Disability Income
The Problem: Group LTD is a good starting point, but it often leaves a significant shortfall for higher earners - often the key people in an organization.
The Solution: Supplement the group LTD plan with individual contracts for key employees on a guaranteed standard issue basis:
- These contracts receive significant discounts via unisex rates
- The discounts are permanent and the plans are portable
- No medical underwriting and very limited financial underwriting
Do you know how to spot a good guaranteed standard issue case?
- Groups where at least five employees have reached the group LTD cap limit
- Groups where employees have significant bonus or commission income
- Professional firms such as attorneys, architects, engineers, IT consultants, etc.
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Sales Tip 
This month, instead of throwing you a Sales Tip we think is worthwhile, we'd like to ask you, "What would help you grow your business the most?" If you will e-mail us your thoughts we'll send you one of our seven-function, handy dandy wave knives.
What would help you grow your business?
- A better client management system?
- A marketing plan to systematically "touch" your clients?
- A better client Annual Review package?
- A better way of harvesting referrals?
- A better Fact Finder to use with potential clients?
- To become fluent in additional product lines that would complement your existing markets?
- A marketing plan that would allow your support staff to cultivate and identify new sales?
Help us put our Sales Tips to work for you! |
