Annuities
 Income Annuities: Poll-after-poll show the number one fear of retirees is that they will run out of money before they die. This is solved with 'Longevity Insurance': - For a surprisingly little amount of money now, individuals can hedge themselves with a guaranteed income to start in future years, ie: age 80 or 85. Longevity Insurance is the perfect complement to a traditional SPIA.
- Buy it now, before retirement, when cash flow is more reliable. It equates to a guaranteed return of more the 6%. Find useful tools at www.dontfear65.com .
Accumulation Annuities: Rates are higher than CD's and have advantages that CD's do not. The following are some of today's best multi-year guarantee rates (MYGAs): - 7 yr rates as high as 3.80%
- 5 yr rates as high as 3.65%
- 3 yr rates as high as 2.50%
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
May is Disability Awareness Month. It presents the perfect opportunity for you to talk with existing and potential clients about a disability's triple threat: - Keeping a roof over their head. Their ability to earn an income is their most valuable asset.
- Keeping the business's door open.
- Keeping the business investment intact.
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Sales Tip 
One truth is a standout above all others: Advisors who give referrals tend to get referrals. Advisors who don't give referrals tend not to get referrals. Are you a connector? Do you present yourself as a resource? Are you paying attention to other consultants, professionals and small business owners who represent services and products that you may be able to bring to bear on your client relationships? - Give referrals carefully. Take time to insure a good match.
- Make strong connections. Don't just give out names and phone numbers and hope the parties connect. Make sure the connection goes through. No value has been transferred until the connection goes through. Always create a reminder that pops up on your calendar a few days later to make sure the parties have spoken.
When you take the time and effort to make sure the referrals you give get connected, others will do the same for you. How you give referrals models how others will return the favor. |
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