Annuities
Want some easy sales? How many of your clients will never touch their annuity money in their lifetimes? When they die, that money is taxable to the beneficiaries. These clients should be in a single premium life plan, instead: - Death benefits from single premium life plan are tax free
- Death benefits are higher in life plans than annuity plans
- Guaranteed Return of Premium at any time
- Includes LTC benefits, including Home Health Care
Go through your existing annuity client files to see who would benefit from being rewritten into a single premium life plan and call Jeff Darnell at ext. 225 for quotes. Also, CD-Type MYGA rates are increasing Dec. 8th! Please visit Today's Top MYGA rates or try our online quote request tool. |
Disability Income
Standard's NEW Protector Platinum makes it easy to collect benefits for partial disability:
- Does not require loss of income to be eligible, just a 20% loss of time or income
- Once the waiting period is satisfied, Protector Platinum pays 100% of monthly benefit for six months without loss of income
- After six months of full benefits, Protector Platinum drops the loss of time qualification and requires loss of income
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 Sales Tip 
Connecting with your clients on a personal basis is every bit as important as the financial planning you do for them. Here are a few ideas: Does the parking lot for your office tend to get crowded? Leave one spot by the door reserved for your client of the day and have a sign on which you can change the lettering, ie: Reserved for Mr. and Mrs. Johnson. Be sure to tell them to look for their reserved spot. When they enter the office and ask for you make sure the receptionist says something like, "Are you Mr. and Mrs. Johnson? Tom told me he was expecting you and to let him know as soon as you've arrived." And, always walk your clients to their car. Leaving the business atmosphere of the building makes a huge difference. The conversation will invariably turn to personal matters and the business friendship is enhanced. |
