Source Brokerage, Inc. - Updates
March 2014 
 
 
 
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Tapping

the Untapped Retirement Income Market

 

by David Blanchett, Head of Morningstar's Retirement Research Division

 

Tuesday, March 18th

4:30 EDT

 

Register Now

  

70% of pre-retirees and retirees that don't own an annuity have neutral-to-positive feelings about owning one.  Many advisors simply fail to present the option.  An annuity can guarantee a steady stream of retirement income that cannot be outlived.  What other vehicle can do that?  None.  Period.

 

 

 

Buy-Sell

Agreements

101

 

You wouldn't walk on a tightrope without a net, right?  Your business owner clientele shouldn't, either. 

 

Learn everything you need to know to get your share of this market.  Click here to access the following...and get started!

 

Client Video

Client Checklist

Marketing Guide

Consumer Brochure

Client Worksheet

 

 

 

Afterwords 

  

Ignorance is the curse of God; knowledge is the wing wherewith we fly to heaven.

- William Shakespeare

 

Knowledge is love and light and vision.

- Helen Keller

 

If money is your hope for independence you will never have it.  The only real security that a man will have in this world is a reserve of knowledge, experience, and ability.

- Henry Ford

 

 

You can win large business related UL sales by using riders that create completely liquid policies from the get-go with cash values guaranteed to equal at least the premiums paid.  See more in our Sales Tip below

Life Plans

Important: Effective April 7th, all Genworth term cases $250Genworth,000 or below must be submitted via their paperless e-submission link.  If a paper application is submitted for a term case $250,000 or below, Genworth will not pay a commission on it.  You will find Genworth's e-submission link under the Paperless Alternative's tab on our website.
  
What is the best way to name a child as a beneficiary on life insurance policy? Click here to view a publication by Advanced Underwriting Consultants for an excellent two page article.  Page three also includes an overview of income taxation of trusts and trust beneficiaries.
   
Request a quote online, call Julie at ext. 233 for term quotes, or Jeff at ext. 225 for UL quotes or impaired risk quotes.

Annuities  

 

Thomas Edison once said, "Opportunity is missed by most people because it is dressed in overalls and looks like work."  Below is your opportunity to learn more about how you can effectively educate people about the importance of annuities in their retirement portfolio.

 

Genworth's recent consumer research study, The Future of Retirement Income, reveals retiree's concerns and challenges, and the specific expectations they have about annuities.

 

The producer version of the study includes key tips on helping your clients see the value of annuities, and proven strategies from successful financial professionals that sell annuities.  It also includes conversation starters and discussion points for you to use with your clients.

 

The consumer version of the study includes compelling and useful facts gleaned from the research project to help your clients make informed decisions about retirement income planning.

 

Review today's best traditional multi-year rates.  Call Jeff at ext. 225 or Julie at ext. 233 with questions or for illutrations.  Or, use our quote request tool.


Disability Income 

We have great D.I. options for all occupations:

 

Standard Insurance Co.'s Protector Essential is an affordable individual D.I. policy that provides fundemental protection with robust contract provisions:Ellen 

  • Base policy includes partial benefit and modified occupation definition
  • Premiums are substantially lower - an excellent fit for women, individuals over 50, chiropractors and blue/gray collar occupations

Standard Insurance Co.'s Protector Platinum provides one of the strongest contracts in the industry:

  • Base policy includes the strongest partial benefit and modified own occupation definition in the industry
  • Execellent for executives, physicians, attorneys, CPAs and business owners 

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. 

SalesTipSales Tip

Large business related sales - buy/sell, deferred comp, key person - can somtimes fall apart due to the cost of the policy.  This can be overcomeSuccess  by using a "liquid" product...one in which the surrender value of the policy is equal to premiums paid from the get-go.  This allows the values of the policy to be maintained as an asset on the balance sheet.  The money is still there and accessible - it's simply with the insurer instead of the bank.
  
Lincoln National's Exec Rider does just this - the surrender value during the 10 year surrender charge period is guaranteed to equal premiums-paid.  And, North American's Waiver of Surrender Charge Rider also works very well in these sales scenarios.  Call for an illustration of both on your next large business related sale opportunity.
Thank you for your time and your business!
Jeff Darnell
Source Brokerage, Inc.
9535 E. 59th Street, Suite C 
Indianapolis, IN 46216
800.543.7167 ext. 225LinkedIn
317.803-3370 fax