Revised ALB Logo with encircled R
In This Issue
Principal Learning Network
November is LTC Awareness Month
IPO's
Non-Medical Wave
Growth of Money
MetLife
Business Valuations
Wanted
Lincoln Benefit Life
Sales Leaders Summit 2012
Preliminary Inquiry
Principal Financial Group
ING
Nationwide
Legal & General
Transamerica
John Hancock
MetLife
Annuities Gain in Popularity
New Website Launched
Facebook, Twitter, LinkedIn

  

  Principal Learning Network

November 7, 2011

  

The November PLN will walk through the profile of a good prospect for their informal business valuation and buy/sell review.

 

10:30 - 11:00 am Central Time

 

To Participate: 

877-368-7394

Password:  Eddie

 


November is LTC Awareness Month

and time to talk turkey with your

 clients

 


Are you using
 "Insurance Protection Options"?

 

See how you can increase your comp 2x, 3x, 4x or more

 

ClickHERE

to see how!

 


Don't miss the Non-Medical Wave

 

 

"Click Here"

 


 Great Reference

 Tool....

 

Growth of Money at Various Interest Rate Assumptions

 

CLICK!

 


 

Metlife Logo

 

 

 

Year-end is a great time to review your client's life insurance needs

 

MetLife Life Insurance Literacy Study

 


 

ALB Logo

 

Are you using Business Valuations to get to your small business clients? 

 

For a helpful

Q&A

 


 

 

 

Do you have any clients that have older age convertible term? 

Don't miss out on the opportunity below!

 

Learn MORE

 


 

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

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
 
November, 2011
 
A Message From
 
Mark Milbrod
 
 

 smiley

 

Selling Life Insurance in

"The New Normal"

Environment

 

The Life Insurance Industry has changed so much in the last couple of years...The US and global economy has seen one of it's most volatile periods. Between TARP Money, Bailouts, Ponzi Schemes, Roller Coaster market Swings, our clients and prospects are afraid to make financial decisions.   Who can blame them?

 

The funny thing is, the sale of Insurance products is more important today than ever. The products we sell, whether they are Life Insurance, Annuities, Long Term Care or Disability Income products, provide a number of Sales Opportunities, even in this current environment.

 

We have put together a special workshop this month where we will review the changes that have taken place in our industry both on a carrier and product level.  Through these changes, we will explore the new Sales Opportunities that exist and how you can thrive in this "New Normal" that has been created.

 

Don't miss this great opportunity.

 

Wednesday, November 16th

9:00 - 11:00 AM

 

Seating is limited so please reserve your spot as early as possible.

 

Contact: Pam Broast

(908) 756-9920

or e-mail [email protected]

 

 

 

Principal Financial Group has a unique program called the Select Reward Program

 

This program allows business owners to Recruit, Retain and Reward top executives.

 

The Select Reward program is a designed for the small business owner who wants to:

 

  • Provide "Golden handcuffs" to tie key employees to the business
  • Get a future tax deduction for the business
  • Secure financial protection in the event of a key employee's premature death
  • Provide financial protection to ensure a key employee doesn't outlive income

Click Below

 

Building Loyalty with an Executive Rewards Plan

 



 

ING Logo 

 Significant Improvements to ING Life Companies Preferred criteria  

 

 

Top 12 Underwriting Guideline Advantages

 

 

Nationwide

 

Coming November 7th, 2011 

 

 

 Nationwide YourLife Indexed UL

 

a

 competitive solution

 for clients looking for potential for growth with the guarantee they want.

 

A look at the product

  • Offers the traditional benefits of a universal life product with cash value accumulation
  • Accumulated value can be allocated to a fixed interest strategy or an indexed interest strategy
  • The interest credited to the indexed acount is based on the performance of reference market indexes, a participation rate, a cap and a floor rate (keep in mind that guarantees are subject to the claim-paying ability of Nationwide)
  • Targeting clients ages 35 to 55
  • Backed by the strength and stability of Nationwide

 

 

 

 Banner William Penn Logo 

 
 

 

 

IT'S A BRAND NEW DAY...

 

Banner and William Penn have tied the two companies together under one umbrella, Legal & General America.  

 

 

 Transamerica Logo
 

 
 

 

Check out the TransTerm Non-Medical Guidelines for Low Face Amount Policies 

 

Want to eliminate the need for ordering full underwriting requirements with TransTerm's competitive non-medical guidelines?  To check out the non-medical guidelines and application requirements, CLICK HERE

 

 
 

John Hancock 

 

 

 

John Hancock's Premier Life's strong death benefit guarantees, competitive guaranteed cash values and current assumption performance make it worthy to

 

CALL ALB FOR MORE INFORMATION!


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)

 

 




 

 

Annuities Gain in Popularity

 

Retirement 

The increasing interest in annuities and guaranteed retirement income are due to recent market turmoil and investors' growing fear of running out of money in retirement and increasing aversion to risk, according to a joint study by The Insured Retirement Institute and Cogent Research.

 

The strong increase in interest in annuities reflects the increased importance of guaranteed retirement income over the past five years, according to the study. Some 60% of the financial advisors who have clients with annuities in their portfolios say the clients have increased their annuity holdings in the past five years.

Click Here to read more of the article.

 

 



Associated Life Brokerage, Inc.

 

Click below:

 

  www.associatedlifebrokerage.com

  

       

Disclosure

 

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

  

       

Your Comments

 

Email your questions and comments to our Marketing Communications Mailbox

 

 

Click Here

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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.