Source Brokerage, Inc. - Updates
April 2014 
 
 
 
Quick Links
  

 

Participate in the

 

Elite Agent Bonus

Program

 

It's easy!

 

Earn up to an extra .50% for annuity premium of $1,000,000

 

Earn up to

an extra 1% for

annuity premium of $2,500,000

 

Click here to request full qualification and program details.  

 

 

Trust Planning in a New Tax Paradigm 

 

The American Taxpayer Relief Act of 2012 brought long-awaited clarity to estate tax rules.  But, while many clients will likely fall below the established exclusion amounts for estate taxes, there are still many reasons why they should consider the tax benefits of trusts funded with life insurance for their estate planning needs.

 

Our brochure outlines how clients can employ trusts to help protect their legacies and transfer them to future generations.

 

 

 

Afterwords 

  

Nothing in the world is more dangerous than sincere ignorance and conscientious stupidity.

- Martin Luther King, Jr.

 

Beware of false knowledge; it is more dangerous than ignorance.

- George Bernard Shaw

 

Socialism is a philosphy of failure, the creed of ignorance, and the gospel of envy, its inherent virtue is the equal sharing of misery.

- Winston Churchill

 

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

Effective immediately, North American has lowered rates onNACOLAH  their lifetime guaranteed UL product, Custom Guarantee.  This new generation retains the chronic illness and critical illness living benefits at no-additional-cost.  Policies approved but not yet issued can switch to the new version upon request.  All applications dated after May 1st will automatically receive the new rates.  
  
Reminder: Effective April 7th, all Genworth term cases $250,000 or below must be submitted via their paperless e-submission link.  You will find Genworth's e-submission link under the Paperless Alternatives tab on our website.
     
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  

 

We're often asked, "What's the most popular indexed annuity?"  Without a doubt, it is North American's Charter-14 product:

  • 10% premium bonus from day-one 
  • The same 10% premium bonus on all subseqent premium deposits made during the first 7 years
  • Issued from an A+(Superior) rated carrier with a 92% Comdex
  • 7% commission for issue ages 0 - 75
  • Nursing Home Waiver
  • Cap only product with annual reset
  • Includes multi-index hindsight crediting option

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 

Tired of difficult D.I. underwriting and modified offers?  Guaranteed Standard Issue individual D.I. (GSI) is the answer.Steve

 

GSI is available for as few as five executives.  There is no medical underwriting.  The employer simply completes a short application and provides a census.

 

Find out more about this exciting new trend in the individual D.I. market.  Read Steve and Ellen's article in Broker's World, "Covering The Shortfall".

 

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

Foreign Nationals are a growing demographic in the U.S.  Many who regularly visit, do business or own property in this country may be unaware of the potential tax exposure they face.Success
  
Life insurance can provide planning solutions for the unique U.S. tax challenges that foreign nationals face.  Opportunities include:
  • Resident and Non-Resident Aliens are not entitled to the unlimited marital deduction.
  • Non-Resident Aliens who directly own certain U.S. assets are exposed to U.S. estate tax liability and only $60K may be exempt from U.S. estate taxes.
  • Resident Aliens with high earnings or a net worth in excess of $2 million may be subject to significant expatriation taxes if they cease being U.S. residents.

Read "Growing Your Business Through The Foreign National Market".  We can also provide you with flowcharts, presentations, fact finders in Spanish or Mandarin, estate tax exposure flyers and other useful pieces.
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