Annuities
In a low interest rate environment, a 1-year rate product makes a lot of sense. Check out the SecureLiving Liberty SPDA from Genworth:
- 1st year rate as high as 5.05%
 - Bailout rate declared at issue
- 6 year surrender charge period
- 10% penalty free withdrawals
- Your client can annuitize in year two to avoid surrender penalties!
- This is not an MVA product
- 3% commission for ages 0 - 75 (comp drops for ages 76 - 85)
- Request a quote today
Call Jeff at ext. 225 or Julie at ext. 233 with questions. Also, click here for today's best MYGA rates. |
Disability Income
Would you like to offer D.I. to your clients at a 15% - 20%  discount...with no underwriting? Ask us about Guaranteed Standard Issue (GSI) for employer groups.
GSI is available for groups as small as five lives on a mandatory basis, or 15 lives on a voluntary basis.
Sales idea: Look for employer groups in which a number of employees are reaching the group LTD benefit ceiling. Write GSI on those individuals (usually the executives) to increase income replacement percentage 70% - 80%. |
 Sales Tip - Referrals
Excerpts from The Referral Minute by Bill Cates.
I just conducted a special referral boot camp for a group of about 50 highly-successful advisors (I mean highly successful). One of the advisors shared what he does to generate a steady flow of referrals from his "A" clients.
This advisor turns his clients into Word-of-Mouth Machines by providing them with a continual flow of shirts, umbrellas, and other high-quality, utilitarian items that his clients use on a regular basis. He told the group that "a $50 shirt is a small investment to get your clients to let others know that they are using you." I'd like to add emphasis to the words high quality and utilitarian. If the items you provide to your clients do not meet both criteria, you are wasting your money.
This advisor has created a "culture of referrals". They love the work he does and are happy to spread the word in a low-key, easy way.
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