Top 3 Estate Planning Sales Ideas
 There has never been a better time to approach your high-net-worth and affluent clients. The clock is ticking toward the expiration of TRA2010, and some of the most successful sales opportunities in the estate planning market place are:

• Gifting
• Low-Interest Loans
• GRATs

Time is running out on these 2012 estate planning opportunities! Who knows what the election and potential new legislation will bring.

Flexible Dial Down Guarantees Can Meet the Needs of Your Pre-Retiree Clients

There are almost 50 million individuals aged 50 to 70 in the United States, the majority of whom are not yet retired. This pre-retiree population currently controls $16 trillion in net worth, a number that will grow in the next 15 years. This represents an enormous opportunity for financial service professionals. Target:

• Pre-retirees who are making a series of important decisions in their 50s and 60s
• Clients looking for guaranteed, cost-effective coverage, but believe their life expectancy is less than 100
• Clients looking for opportunities to reduce expenses as the approach, or begin, their retirement years