Revised ALB Logo with encircled R
In This Issue
Non-Medical Wave
John Hancock
Focus on Long Term Care
Principal
Give your clients a second chance
Lincoln Benefit Life
Sales Leaders Summit 2012
Facebook, Twitter, LinkedIn
Preliminary Inquiry
Aviva
ING
Prudential
Protective Life
Transamerica
MetLife
Principal
New Website Launched

Don't miss the Non-Medical Wave

 

 

"Click Here"

 


John Hancock 

iPad Tools from

John Hancock

 

Click Here

to download and learn more about the apps and tools that John Hancock has made available for iPads and mobile devices

 


 

Product for the People:  A Focus on Long Term Care Insurance

 

The need for long-term care surrounds us every day.  With an aging popuation, it's fair to say that every single one of us has been affected, either directly or indirectly, by an extended health care situation.  It's a reality that we must discuss, and most important, proactively plan for.

 

CLICK HERE

 to continue reading the full article published in the September issue of Agent's Sales Journal

 


 

 

 

 

If you tuned in to their September 22 teleconference, you heard updates on:

 

 

The climate in Washington, D.C., as Congress returned from the August recess.

 

Members of the Joint Select Committee on Debt Reduction "Super Committee", including an outlook on the negotiations.

 

Legislative activity incuding overall tax policy, estate tax, taxation on life insuranc, and executive benefits.

 

Listen to the playback

Phone:  855-859-2056

Conference ID #: 93108904

Available now through October 22

 


 

Give your clients a second chance.

 

Play the short "Legacy of Love" video. 

 

It's clever forward/

backward script tells the story of a woman who got a second chance to put things right.

 

It's sure to get clients thinking about how they want to be remembered - for having their family legacy of financial hardship or one of love and financial security.

 


 

Lincoln Benefit Logo

 

 

 

Estate Liquidity Rider

 


 

Sales Leaders Summit 

2012

 

Sales Leaders Summit 2012 

 

 

The 2012 Sales Leaders Summit meeting will be held at the luxorious St. Regis Monarch Beach Resort in south California in February 2012.

 

Independent Producer Brochure

 DON'T FORGET....

 

"Like" us on Facebook

"Follow" us on Twitter

"Join" us on LinkedIn for daily updates that affect your bottom line.

 

Find us on Facebook

Follow us on Twitter

View our profile on LinkedIn

Preliminary Inquiry

 

This is NOT an application for life insurance.  Use this form as a preliminary evaluation to assist in determing insurability only.

 

Click Here

 


Join Our List

Join Our Mailing List
Find us on Facebook
Follow us on Twitter
View our profile on LinkedIn

Your Comments

 

Email your questions and comments to our Marketing Communications Mailbox

 

 

Click Here
 October, 2011 
A Message From
 
Mark Milbrod
 

RMD's

Really Messed up Dilemma?

 

We have all heard the term RMD's (Required Minimum Distributions).   For those who have or will have turned 701/2 during calendar year 2011, and have money in a qualified plan, they will be faced with an RMD (or Really Messed-up Dilemma). They have done a great job building up wealth within their IRA or other qualified plan, but they may not necessarily need to draw down on those funds to live. In fact, their other assets can support them comfortably.

 

Whether the funds reside in a Profit Sharing Plan, 401(k), 403(b), IRA , or basically any other employer sponsored retirement plan, these clients must start taking Required Minimum Distributions (RMD's) by April 1st of the year following the year in which they reach age 701/2.  If they don't, they can be subject to substantial penalties.  When the money comes out, it is taxed at ordinary income tax rates.

 

The forcing of these funds coming into the wonderful world of income taxation is only the beginning.   The problem is much larger than that.  After all, people do know that they had not paid any taxes on this pool of money and will probably except paying income taxes on distributions. What they are probably not aware of is the high probability of only 30% of the wealth they have accumulated will get to their heirs.   That's where the REALLY MESSED-up DILEMMA comes in or the real RMD.....

 

When they die with balances in their retirement plans, the entire corpus will endure Federal Estate Tax, State specific Inheritance Taxes and at the very least income taxes that have never been assessed during their lifetime. Sure there are techniques that can stretch out taxation, but these are just prolonging the inevitable and are often complicated to establish.

 

Employing simple techniques today, provides a more tax efficient means of passing on these assets to heirs.   By utilizing life insurance products, we are able to take distributions, pay income taxes on those proceeds and with the net after-tax remainder, purchase life insurance in an amount usually greater than the original taxable balance of the qualified account. The end result is replacing a taxable asset that would normally net the heirs 30 - 40% of the value with a tax-free death benefit equaling but usually substantially higher than the original qualified account balance.

 

In addition to life insurance, there are other techniques that utilize various annuity strategies.   Help your clients through this RMD - Really Messed-up Dilemma. We have many supporting materials that can show different strategies, all with the same goal of working through the planning process for your clients in this position.

 

Now is the time to open up the RMD Sales Opportunity and ALB is here to help.

 

 AVIVA Logo 

 

Aviva is decreasing caps, illustrated and crediting rates on its Multi Choice Indexed Single Premium Life and suspending future sales of Mutli Choice Fixed Single Premium Life, effective October 1, 2011.

 

Transition dates are as follows:

 

September 30, 2011 - Last day applications can be received for MultiChoice Fixed Single Premium Life

 

October 31, 2011 - Last day for MultiChoice Fixed Single Premium Life to be issued

 

 

 

ING Logo 

 

Transferring Wealth with Inter-Family Loans:  A Flexible Alternative to Gifting

 

TRA 2012 gives clients until the end of 2012 to make large gifts to their children and grandchildren.  But for those clients who don't wish to make gits, inter-family loans may serve as a flexible alternative! 

 

Read More

 

Consumer Brochure

 

 

 

 Prudential Logo 

 
 

 

Discover what clients like about WorkLife 65 - and why they're buying!

  

 

Click Here for WorkLife 65 talking points.

Click Here for WorkLife 65 Sales Ideas.

 

 

 Protective Life Logo 

 
 

Why Protective Life?

 

Click Here

 

Big NEWS from Protective

Protective has extended the shelf life of exam requirements to 12 months for ages 70 and under.

This includes Exams, Labs, EKG's and Treadmills. 

(The shelf life for exam requirements on clients over 70 remain at 6 months.)

 

 
 

Transamerica Logo 

 

 

Introducing Freedom Index Universal Life II and

Freedom Global IUL II

(Effective September 21, 2011 available for sale in New York.

 

 

Click here

 for the combined Product Guide.

 


Metlife Logo 

 

UNDERWRITING SOLUTIONS & ALERT! 

 

Underwriting Breast Cancer

 

Alert on Liver Function Test Abnormalities
 

(Recent revisions to life underwriting guidelines may help you make better offers to your clients with Liver Function Test Abnormalities)

 

 




 

 

 

The Time is Right for Term!

 

Learn why now is the time to look at Principal when placing your term business!

 

Look Now

 

 



Disclosure

 

Not all products approved in all States, please check State approvals.

 

Associated Life Brokerage, Inc.

New Website 

 

Click below:

 

  www.associatedlifebrokerage.com

  

       

Promotion Name

Call today to speak with one of our Case Consultation Specialists for information on these and other sales opportunities and see why ALB is The Business Partner
 You've Been Looking For.

 

Mark Milbrod, CLU

Associated Life Brokerage, Inc.

135 Route 202/206, Suite #7
Bedminster, NJ  07921

[email protected]
 
(908) 756-9920

 

Associated Life Brokerage, Inc., is a full service General Agency located in Bedminster, NJ handling your Life Insurance, Annuity, Long Term Care and Disability Income needs.  We provide independent insurance agents with a comprehensive platform that includes, Expert Case Consultation, Premier Underwriting Services and a Fully Dedicated Case Management Team.  With over 100 years of collective experience in advanced case design and underwriting, we are dedicated to giving you the tools you need to significantly increase your revenue.