You Can Generate More Income In Retirement With Safety and Guarantees Using Annuities

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In This Issue... August 25, 2015 Feature Article - You Can Generate More Income In Retirement With Safety and Guarantees Using Annuities Improve your attitude - THE BOSS by Earl Nightingale Part 2 of 2 Become Their Trusted Advisor - 35 Powerful Image-Building Techniques Coaches Corner - Talk Is Cheap: You Must Sow To Reap _________________ Do You Have A Friend Or Associate Who Might Benefit From This 'Career Changing' Information? Why Not Forward This Newsletter To Them? *Or... Take A Minute To Fill Out This Referral Form* And you'll receive our free gift... "21KeysToOpenReferrals.pdf"
What Do The Top Producers Know That You Don't...
You Can Generate More Income In Retirement, With Safety and Guarantees, Using Annuities Dear ~Contact.FirstName~, Would you like to be selling more annuities? Then learn a few simple presentations to help your clients to see and understand the value using annuities in retirement. You will find simple presentations, like the one below, in our Insurance Marketing and Sales Resource Center™. In two recent articles on ProducersWeb.com the authors gave a simple but powerful explanation of how, by using an income or single premium immediate annuity, retirees can have more income. (Retirement For Savers and Investors, by Steve Schankerman & The 1 Percent Advantage, by Sean Ruggiero) To illustrate their point, let's look at how much money it would take today to generate $10,000 of annual income! For Savers Savers aren’t risk takers; accordingly their focus is mainly on fixed products. The risk for the saver is the uncertainty of future interest rates. Looking at the current average interest rates from Bankrate.com let's see what lump sum would be required to generate $10,000 of annual income. For Investors Now let's look at an investor who has a combination of bonds and equity investments. Based on numerous withdrawal rate studies, assuming an asset allocation of approximately 50% bonds and 50% stocks. A retiree who withdraws 4% of their portfolio each year has a likely probability that the portfolio will last at least 30 years. (See The Trinity Study) Accordingly, using the 4% withdrawal rate, an investor would need to invest $250,000, to generate $10,000 of annual income. Important Notes: These studies are based on investment returns before expenses. If you're paying an investment advisor an annual fee of 2% of assets and he has you invested in no-load mutual funds with a 0.5% expense ratio, your annual expenses are 2.5%. Your "safe" withdrawal rate is 4.0% - 2.5% = 1.5%. Another consideration is that most of these studies are based on historical data. The fine print here should read "past performance does not guarantee future results." While there is every reason to believe that investment returns in the next 70 years will be similar to the previous 70 years, there's little chance it will be EXACTLY the same. To say that 4.0% is a "safe" withdrawal rate and that 4.1% will leave you broke implies a measure of accuracy in the forecast that just isn't there. It may make more sense to say that the "safe" withdrawal rate going forward lies somewhere in the range of 3.25% to 4.25%. Alternatives Here are two alternatives that offer safety and guarantees, with minimal risks, and require smaller lump sums: A fixed index annuity with an income rider would need only $181,818 to generate $10,000 a year for a 65 year old. A single premium immediate annuity would take approximately $160,000 to generate $10,000 a year with 10 year term certain for a 65 year old. The income from these two solutions would be guaranteed for the rest of the client’s life, regardless of interest rates or how long they live. You can secure your clients’ retirement income many different ways. However, both savers and investors can benefit from using an income or single premium immediate annuity. Jeremy and Lew Nason Trainers, Coaches & Mentors 'The 9 Out Of 10 Guys' __________________ We want to hear your thoughts, please drop us a comment on our blog or visit our Facebook! The Insurance Pro Shop has gone Social - Please check us out on your favorite social media site! Google+, Twitter, LinkedIn, Facebook Like, follow, comment on our page and receive special free gifts!
Updates For Our Member's Only Private Site Insurance Marketing and Sales Resource Center™
Insure Your Love British poet Elizabeth Barrett Browning penned the immortal line: "How do I love thee, let me count the ways." There are many reasons to own life insurance and when you start to count the ways, the reasons all show love of family in many ways. We know from LIMRA research that 85 percent of consumers agree that "most people need life insurance." So in the spirit of Elizabeth Barrett Browning "let us count the ways" people think owning life insurance is a statement of love and caring. Starter Guide to Setting Up a Website This is a short starter guide to setting up your website. The topics that I’m covering in this report are: - Part 1: How to choose a good Domain Name for Branding and Marketing. - Part 2: How to choose a good Webhosting Company. - Part 3: How to build your website. - Bonus Section: Planning Your Site. Stealth Marketing Mike Enlow's guide to online marketing, and his secret "stealth" guide. _______ Are you satisfied with the number of appointments you are setting from your leads and the people you talk to? What if there was a simple inexpensive way to increase your sales appointments? Did you know the is a complete section in the Insurance Marketing and Sales Resource Center™ on appointment setting, with complete appointment scripts... including how to overcome objections? Did you know that the best way to stay in front of your clients, friends, family, neighbors and prospects is with a monthly personalized client newsletter? Note: You can get a free monthly NON-personalized client newsletter as a member of the Insurance Marketing and Sales Resource Center™.
Judge Us By The Company We Keep
Joe Casey & Candice Casey... Casey Wealth Consultants specializes in the fields of retirement income strategies, Social Security optimization, wealth preservation, institutional wealth management, nursing home protection, and legacy planning. Not sure we can help, or if our services are right for you... Don’t Wait... Call us Toll Free to schedule a No Obligation, Free 15 Minute Consultation with Lew or Jeremy. Toll Free In US 877-297-4608 / Direct Line 770-443-2852 (M-F, 9AM-5PM, EST)
It’s A Shame For You To Struggle Finding Prospects & Closing Sales, When Our Members Do It So Easily! (At only $25 per month can you afford to pass this up?)
We are doing everything we can, to guarantee you get off to a quick start selling insurance and guarantee you have the long-term success you want and deserve. Accordingly, as a member of the Insurance Marketing and Sales Resource Center™ you'll also have Complete Access (for the life of your membership) to... Over 11 hours of latest videos from our 'Trusted Advisor Success Training™' Boot Camp! It's the best core and advanced insurance marketing, branding and sales training on how to Attract and Set Appointments with your VERY BEST INSURANCE PROSPECTS. Plus, how to conduct a thorough Fact-find to get your prospects emotionally involved, so they want to take action right now. No more hearing; "I've got to think about it!" (Normally $499.00) Our Advanced Fact-finding Videos & Audios. Over 10 hours of fact-finding and questioning training, from Lew's boot camps, with simple insurance concept presentations and sales presentations. How To Close '9 Out Of 10' Sales Appointments is a new sales mindset that frees you from unnatural selling scripts. Instead, you'll learn how to begin new conversations with prospects, naturally - no pitching, no persuading and no pushing. (Normally $265.00) Six *Training Videos and Audios* with over 8 hours of practical strategies and sales presentations on how to get your ideal prospects to want to take action on your recommendations, to quickly improve your insurance sales and commissions. Normally $39.95 each. (6 Training Videos and Audios @ $39.95 = $239.70) All ten of our Fast Track Advisors' Guides providing you with critical insurance marketing, prospecting and sales success strategies that most agents and advisors don't know and may never find out! Normally $9.95 each.(10 Advisors Guides @ $9.95 = $99.50) Our 'Dynamite' Referred Lead System™ that will show you how to get your friends, clients and businesses to refer everyone they know to you. (Normally $95.00) 12 Months of Client Newsletters for pre-retirees and seniors that will keep you constantly in front of your insurance prospects, clients and friends. Normally $59.95 per month. (12 for pre-retirees @ $59.95 = $719.40 ) (12 for seniors @ $59.95 = $719.40) PLUS, 4 SPECIAL FREE GIFTS... Seven Proven Marketing Secrets, By Mark Hendricks Managing Your Most Valuable Asset, By the Brooks Group Stealth Marketing, By Michel E. Enlow Common Sense & Accumulating Wealth, By Lew and Jeremy Nason
Improve Your Attitude And Change Your World
THE BOSS by Earl Nightingale Part 2 of 2 6.05 minutes
New Agents Quick Start Program
We Even Offer Affordable Payment Plans To Get You Going Today! Order today and we will immediately send you this proven How To Close 9 Out of 10 video system for an investment of only $98.00 a month for six months! This is the in-depth annuity and life insurance appointment setting, fact-finding and sales training, with personal coaching and mentoring that you expected, but didn't get from your Company or IMO! *Now With 3 Months Of One-on-One Coaching...* You'll receive in depth ‘One-on-One’ Live Personal Coaching and Support each month, for 3 months to help you fine-tune your appointment setting, fact-finding and sales presentations, from one of the most respected and successful teams of sales trainers and coaches in the industry. "Lew & Jeremy - First off, I wanted to say THANK YOU. I am just at the tip of the iceberg of potential and have a lot of bad habits to 'wash out' and work on new good habits everyday. I have been following IPS for years and have bought a few of your systems over that time. Things really didn't click, or I ignored your wisdom, most likely the latter, but as financial professionals we owe it to our clients and ourselves to become that - professionals. I believe EVERYONE should buy your fact finding DVD's at a minimum. This is the foundation for working with a potential client, asking questions in order to get them to realize they have problems (some that they may not know about previously), understand those problems simply and how you can help their problems with simple solutions without discussing product. I now know when I exit my initial meeting if I did a good job of asking questions and getting the potential client to buy into concepts. If I didn't do a good job, I know what I need to work on as well. Just by getting down to the fundamentals, I have added two clients in the past two weeks with over $25k in annual life premium + $100k-200k rollover funds. This is not even discussing the other appointments I have set in the next two weeks. I have been recommending you to other agents I know who are having similar issues. Thanks Lew and Jeremy! You guys are great! *Mike Spence, President of Wealth Building Methods, LLC* - MN**
How To Become The Most 'Trusted Advisor' In Your Local Community!
35 Powerful Image-Building Techniques What do prospects consider when they evaluate your financial advisory services? First you have to make them notice you! Until they notice you they can not consider anything about you. You must get their attention before they will think about what you can do for them and they can become prospects for you! Media exposures in your marketing area are all people have to go on before meeting you. Without positive media exposures, they have no awareness of you. Thus they have no reason to consider how you can help them, or why they should meet with you, or how you can help solve their problems, or believe you can help them reach their financial objectives, etc. Define Your Desired Prospects. Where do they live and work? What do they read, see or listen to? What are their educational, social and occupational characteristics? This will help you decide which are your best media sources. Influence Your Desired Prospects. Your media exposures are the only clues about what is unique or special about you. The financial advisor they decide to seek out, or even talk with, will be the recognized (in their local media) professional who has a track record of successful exposure. Establish Yourself As the Expert. Daily you compete with advisors who have been more skilled at marketing their service - those who have the media working for them! If you are doing little to create, establish, and maintain your desired image within your target markets, then you can expect to not be the most sought after for new business relationships. Knowing prospects will all gravitate to the perceived winner and leader. Even "unknowing" prospects prefer the better known advisor. The only sources of information for these people, other than personal referrals, are your media exposures. Media exposures are proven to stimulate personal referrals from your existing clients. Proven Tools to Gain Media Exposure. The following list is meant to stimulate your thinking from the point-of-view of a media advocate who is promoting your service. As you consider which items are appropriate (practical and affordable) for your practice and marketing efforts, you are actually formulating your media advocacy plans. 1. Press Kit (Fact File Folder) 2. Speeches You've Delivered 3. Power Point Presentations 4. Presentation Reprints 5. Articles You've Written 6. Print Mention Montages 7. Posters (from prior events) 8. Displays 9. Exhibits 10. Information Brochures 11. Manuals 12. Annual Reports 13. Newsletters 14. House Organ publications 15. News Conferences 16. Press Releases 17. Meeting Agendas and Brochures 18. Benefits Events 19. Direct Mail Pieces 20. Premiums 21. Conventions, Meetings, Gatherings 22. Community Programs 23. Public Service Projects 24. Contents of Educational Programs 25. Awards You've Received 26. Proclamations Featuring You 27. Personal Appearances 28. Hand Out Pieces You've Used 29. "Leave Behind" Information Sheets 30. Telethon Participation (PBS, etc.) 31. Parade Floats 32. Bulletin Board Notices 33. Sales Letters 34. Telephone Calls 35. Personal Media Visits You Have to Get Started. You may not know which of these tools can help create the most impact and make more money for you. But if you don't start assembling some of them, you know that positive results will be achieved only by your competitors. _________________ ForrestCato@gmail.com www.CatoMakesYouFamous.com
New Agents Quick Start Program
Our *New Agents Mortgage Insurance Tool Kit™* is a simple, affordable, proven Bread n' Butter Mortgage Life Insurance Lead and Sales Success System that easily produces $2,000 and much more of cash value life insurance commissions every week ...in as little as 30 days. ...With 3 Months of One-on-One Coaching (not group coaching) You'll receive ‘One-on-One’ Live Personal Coaching and Support Each Month, For 3 Months to help you fine-tune your sales process and sales presentations! We Even Offer Affordable Payment Plans To Get You Going Today! You can get off to a quick start and be earning $2,000 or much more per week for an investment of only $99.00 a month for six months. Order today and we will immediately send you this proven New Agents Mortgage Insurance Tool Kit™.
Coaching Corner
Talk Is Cheap: You Must Sow To Reap By Dennis Postema I have trained numerous agents and advisors both locally and nationally. So many of them look at someone successful in our business and then say, “I want that.” Then, after a few short months or years in the business, they wonder why it hasn't happened yet. The fact of the matter is that you must put in hard work for years, and then you will appear to be an overnight success just like the others. It goes back to the idea of sowing and reaping. In our business, you must sow seeds every single day. Continually market in many different ways, and work on building one client at a time by serving him or her properly. Then it begins to multiply. However, we don’t ever know which seeds will bring the best harvest or how long they need to be nurtured before they come into fruition. Nonetheless, there is no other good way to build your business. In fact, most of the advisors who get in trouble are those who try to take shortcuts and skip steps in this simple process. Now, I will admit, you may be able to significantly shorten your time until harvest if you have a better understanding of what top agents and advisors do. However, it still will not work if proper seeds are not sown. Note: Early in my career I turned to the Insurance Pro Shop to help me shorten my learning curve and avoid costly mistakes. Today, much of the training we provide to our agents and advisors is based on the excellent training I received from the Insurance Pro Shop. "I have been working with the Insurance Pro Shop since 2006 and have used each and every one of their products since then. (For my agents and myself) If you want a chance to increase your income and become the successful agent that you want to be, then you have to be learning from the best. I truly believe Lew Nason and his team, have the tools and resources to help mold successful agents. If you aren’t learning from Lew, you aren’t learning from the best!" _____________________
It's Taken Us Over 30 Years of Testing and Refining to Make All of This Possible... and Affordable!
*We Have Kept Our Services Affordable For Everyone* Please consider, we could charge you $3,000 or more upfront, with annual renewal fees for each of our proven sales systems and training, just like everyone else does. And, we could cater to those few agents, advisors and planners that can afford our services. Or, we could recruit a few agents, advisors and planners and require them to contract with us to use our systems and training, so we could make an over-ride on their business. However, this isn’t about us making money. This is about us giving back to this great industry and trying to make a difference. We created the Insurance Pro Shop because there is a serious lack of any real, creditable insurance marketing, prospecting and sales training in this industry. So, we decided right from the beginning that we wanted to give as many people as possible the best opportunity to succeed and earn a significant six-figure income. Accordingly, we are offering each of our proven systems and training at a fraction of the cost of everyone else. We Even Offer Affordable Payment Plans To Get You Going Today! You can get off to a quick start and take your sales to the next level for an investment of only $99.00 a month for twelve months. Order today and we will immediately send you the proven Annuity Sales Tool Kit or the proven Life Insurance sales Tool Kit! *You'll get all the tools & training you need in these 'Turnkey'* programs! Plus, 3 Months of Personal One-on-One Coaching (not group coaching) This is the in-depth annuity & life insurance marketing, prospecting and sales training, with personal coaching and mentoring that you expected to get from your Company or IMO!**
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