Annuities
The last "Excellent" annuity carrier with a 3% guarantee will be lowering it in the near future. It's a Fire Sale! 
- 6 year surrender charge
- 3% guarantee
- Annually declared rate. The current rate of 3% has the potential of going higher on each anniversary date
- 3% commission through age 80. 1% ages 81 - 90
- Nursing Home rider and 10% annual penalty free withdrawals
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Disability Income
Did you miss our webinar last week? Check it out now! Watch and listen to our 20-minute recorded webinar presentation on Bridging The Disability Income Divide. |
 Sales Tip - Referrals 
(1) Teach your clients how to spot people that need you. Have business cards printed that open up tent-style. On the inside ask for referrals of people that have experienced one of the following life events:
- A friend that has recently lost a spouse
- A colleage who is selling a business
- A relative who is planning to retire
- A family member who is going through a divorce
- A friend with young children who needs to save for college
(2) After meeting with a new referral, have the following quick conversation: "I'd like to send Ben a small thank you for introducing me to you. Can you tell me about his interests, hobbies or passions that might help me think of something special for him?"
This does two things: It helps create a special gift for the referral source, and it plants the seed for your new client to give you referrals by showing him/her how you celebrate the process. |
and have had no health changes are eligible for additional term coverage from Transamerica without additional exams or labwork: