Pension Maximization
Help your clients get the maximum income benefit from their pension plan.
Check out our micro site and become an expert in this market. It includes profiles, hints, ideas, case studies and client guides.
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Underwriting Spotlight
"Table Shave" Programs
Lincoln National will issue cases rated as high as T-3 at Standard rates for their U.L. plans. (Up to age 70, $10 million maximum.)
United of Omaha uses a lifestyle questionnaire that can take as many as 2 table ratings off of their Term or U.L. cases.
Click here for details, or request a quote. |
Afterwords
You find yourself re-freshed by the presence of cheerful people. Why not make an earnest effort to confer that pleasure on others? Half the battle is gained if you never allow yourself to say anything gloomy.
-- Lydia Maria Child
Cheerfulness is contagious, but don't wait to catch it from others. Be a carrier.
-- Anonymous
Years back somone said cod liver oil was the cure-all! Cheerfulness is more palliative and with no unpleasant aftertaste.
-- Sr. Mary Maculuso |
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Greetings!
Have you thought about focusing referral and networking efforts towards single mothers? See our Sales Tip below for some interesting stats and ideas. |
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Life Plans
We've added a Quick Link to our website for Protective Life's paperless e-submission process. It features a function to help assure you are quoting your client at the appropriate rate class. You'll find it right under the link for Genworth's paperless e-submission process on the first page of our website.
Effective June 18th, Transamerica will release their Trendsetter Super and Trendsetter Express term series: 
- Trendsetter Super has the most competitive rates. It can be written non-medically at ages 18 - 60 for amounts up to $90K, and ages 61 - 70 up to $50K.
- Trendsetter Express can be written non-medically for amounts up to $240K, and ratings as high as T-D will instead be issued at Standard Express rates.
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Annuities
Stop accepting clients' number one excuse ("waiting for rates to rise") as to why they won't move their money off the sidelines. The cost of waiting has resulted in more than 10 trillion dollars sitting in low-interest bank accounts. "Sitting" erodes buying power your clients will need in retirement.
- The highest passbook savings rate is .91%
- Likewise, the highest 5 year CD rate on the internet is 1.69%
- Our highest 5 year guaranteed annuity rate is 2.30%, grows tax deferred and avoids probate
- Likewise, our highest 10 year guaranteed annuity rate is 3.15%, grows tax deferred, avoids probate and is with an A+ carrier
And, don't forget our I-Pad2 offer. For $150K in paid SPIA's by July 1st, we'll send you an I-Pad2, or a $500 gift card...your choice! Call Jeff at ext. 225 or Julie at ext. 233 with questions. Or, use our online quote request tool. Click here for today's best MYGA rates. |
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Disability Income 
Our D.I. race day was filled with education, fun and beautiful weather.
Brokers were inspired by the sales and best practice ideas shared by our panel and presenters. Then came the fun - sunshine, good food, pit and garage passes, and practice speeds up to 226 mph! If you missed out on this event, we hope to see you next time.
Contact Steve Crowe at ext. 222, Ellen Crowe at ext. 223 or Brian Hettmansberger at ext. 230 for quotes, tools and sales strategies. Also try our online quote request tool. |
 Sales Tip
Single mothers are often overlooked as potential clients. View our  short brainshark on this market. It will share the single mother population broken down by five different income brackets, and for each show:
- How many own life insurance
- The average amount of coverage inforce
- The years of income replacement inforce
- The percentage of each bracket that need additional coverage
View it today, and then let us know if you'd like a "single mother" flyer customized with your contact information. |
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Thank you for your time and your business! |
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P O Box 26580
Indianapolis, IN 46226
800.543.7167 ext. 225  317.803-3370 fax
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