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Every day as the uncertainties of life come to each of us, we are reminded of the importance of Life Insurance both as a legacy to leave our families and businesses, but also to utilize as a retirement planning tool supplementing other sources of income. In September, we stop and recognize this month to have that conversation with everyone in our businesses and private life. September is Life Insurance Awareness Month: how are you going to make your clients aware that their policies need to be reviewed, discussed and evaluated? Life Insurance accomplishes so much more now, as in a tax free income withdrawal opportunity from cash values, charitable legacies and business continuation.
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Take time now, as this month begins, to incorporate this very important piece of a financial plan with each client. They rely on us to be their guide, coach, educator and counsel. Are you meeting that expectation?
Upcoming Events
Fall Workshop at Eschels Financial Group: A rare opportunity to have both Protective Fixed Indexed Annuities and Variable Annuities on
Thursday, September 15th from 10am-11am. Angel Tepe and Jeff Lindeman from Protective Life will share their compelling ideas for utilizing both annuities for clients in securing a safe retirement plan and to participate fully in the upside of the stock market.
If you are a Registered Representative, you owe it to yourself to join us and discover the ease of splitting the ticket to create the strongest presentations for your clients. If you are a traditional insurance agent, you owe it to yourself to join us to learn of Protective’s progressive income rider stories, and ways to present a secure paycheck for a client after they stop working.
When: Thursday, September 15, 2016
Time: 10am-11am EST **** light breakfast served at 9:30am****
Where: Eschels Financial Group Conference Room, 555 South Old Woodward Ave, Birmingham, Michigan
To reserve a seat: Call us at 248-644-1144
We look forward to seeing you then!
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Plan now to attend
As a financial, investment, retirement, or accounting professional, long-term care planning can be challenging–specifically because it may not be the primary focus of your practice. In fact, you may even avoid it. Yet at the same time, learning about long-term care could be one of the most crucial ways to serve your clients. A potential exposure so great, it could render all other strategies meaningless.
Join us for a free webinar and learn options available for your clients with the Care Solutions–a portfolio of asset-based LTC products that can provide tax advantages and benefits even if care is never needed.
During this webinar you will learn:
- How certain annuities can benefit from the Pension Protection Act and provide income tax free withdrawals for LTC
- About products that issue all the way up to age 85
- How to use qualified money to gain long-term care benefits
- How to speak with your clients about a negative topic (LTC) in a positive way
This learning opportunity will give you the ‘nuts and bolts’ of our products and arm you with the knowledge you need to succeed. At the same time, you will gain a level of comfort and learn how to broach this at times difficult topic with your clients.
Register today! |
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Featured Speaker:
Chris Huntsman,
Senior Development Wholesaler
OneAmerica
Full Product Webinar:
– Client presentation (advisors only)
– Asset-Care (hybrid life/LTC)
– Annuity Care (hybrid fixed annuity/LTC)
Click Date/Time to Register for Webinar:
* All times Eastern
Friday, September 9th at 11:00 AM |
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How can Fixed Indexed Annuities help clients retire on schedule?
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Fixed annuities, with their guaranteed interest rates and guaranteed return of principal (less any withdrawals of interest or principal) can help preserve client’s assets, potentially softening the impact of a choppy stock market on their accounts.
- A conservative approach….. provides the client with safety of principal, tax- advantages, liquidity, and legacy planning.
The Next Big Thing in Annuities: If you’re not talking with your clients about QLACs, expect that your competition is. Learn how big this opportunity really is!
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It is imperative to explore all financial options for the clients- why let a client lapse or surrender a policy when determining there is an alternative. Life Settlements- Life Insurance , like every other asset, has a Market Value. Before your client considers letting a policy go, call us to discuss the specifics. And interestingly, all policy types are considered now for Life Settlements- even convertible term insurance. The reality is: you will set yourself apart from other advisors and agents by educating clients on Life Settlements and the options for the unwanted/unneeded life insurance. Clients remember you told them about an idea that others did not- and isn’t that what we want as agents and financial advisors? To be distinguished as unique, with different and compelling ideas for clients provides them with more than the average agent.
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Are you aware within Fixed Indexed Annuities and Indexed Life Insurance there are 100% participation in the various indices up to the caps? Are you aware there are uncapped (yes uncapped) index strategies allowing the client the full index performance less a spread? Why is any of this important? Because clients have told this industry after 2008 that they no longer can endure the wild rides with their money. They have firmly said they are aware they need some exposure to the non-guaranteed markets, but they now also know they must be more diligent with safety, as their individual lives are uncertain and when retirement happens often is not by choice but more by circumstance.
See the attached White Paper by Allianz Life Insurance Company “Reclaiming the Future”
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