Featured Tip - What's The Easiest Way To Sell The 'Infinite Banking' and 'Bank On Yourself' Concepts... The Answer Below May Surprise You!

Improve Your Attitude - Zig Ziglar - How To Define Success

Become The Trusted Advisor - Create 'Top of Mind' Awareness

Coaches Corner - If You Want To Be Successful In Life And Business, Then You Might Want To Follow The Sage Advice Offered By Warren Buffett!

A Message From Lew

Dear ~Contact.FirstName~,

Congratulations! You have almost made it through to the end of 2015!

Now is a great time to regroup so that you can make 2016 even better.

Most organizations are starting to make plans for the future as the year comes to an end. Are you?

What do you think you should focus on to make 2016 your best year ever?

Not sure what to do! Why not give us a call? We want to help you... 877-297-4608

Yours in success,
Jeremy Nason
 

“Lew is one of the most genuinely kind and interested person in truly helping people I have met. He is making a real difference in the lives of his clients and associates in the industry by teaching them to get down to the basics of human communications and needs selling.” 
Brian Gibbs, (27 years)

 “To anyone thinking about investing in any of Lew Nason’s programs, I would say ‘DO IT’. After 10 years in this business, I have found in Lew a true no hype mentor, that has a proven track record, and proven techniques he is willing to share. And, he cares about my success.
Randal Cade, (10 years)

Featured Tip

What's The Easiest Way To Sell The 'Infinite Banking' and 'Bank On Yourself' Concepts... The Answer Below May Surprise You!

We have agents, advisors and planners calling us almost everyday telling us how much they believe in  'Infinite Banking' (Be Your Own Banker), by Nelson Nash, and/or 'Bank On Yourself', by Pamela Yellen. And, they are asking us how they can attract prospects and set appointments for those dynamic concepts. 

The great news is that in our Found Money Management™ Tool Kit you will find everything you need to attract the ideal prospects to you for 'Infinite Banking' (Be Your Own Banker) and  'Bank On Yourself', along with how to help your prospects to find the money to fund those strategies. In our exclusive tool kit we have specialized client booklets, free reports, PowerPoint presentations, and much more for those dynamic concepts. Plus, there is an explanation of how and why your clients will want to use those concepts to 'Live Debt Free And Truly Wealthy!'

________________

Here Is A Quick Review Of Those Dynamic Concepts

Imagine if instead of borrowing money from a bank, you have your own private bank (of your money) that you could get a loan from, for whatever you need. Then, whenever you take a loan, you pay yourself the principal and interest the bank would have received. Instead of the bank making money on your money and the interest you’re paying you’re making all the money.

How much better off would you be?

That’s the basic premise behind 'Infinite Banking' (Be Your Own Banker), by Nelson Nash, and 'Bank On Yourself', by Pamela Yellen.

How The Concepts Work
Simplistically, you have your prospects sock away as much money as they possibly can, as quickly as they can, into a good participating whole life policy. (Dividend paying) The money is funneled into the whole life policy for five to seven years. You over-fund the whole life policy to just below the MEC guidelines. Then, whenever your prospects need to make a big purchase, they can borrow the money from themselves, instead of borrowing from the bank (or a credit card company). Now, they pay the loan back to themselves, plus the interest they would have paid the bank. Your prospect makes the big profits the bank would have made.

A simplistic example:
For 5 years you pile everything you can into your own private bank. ($1396.68 per month @7% after expenses) At the end of 5 years, you have $100,000 sitting there, earning 7.0% per year. Now, you need to spend $20,000 for a car. You have three basic options:

1. You could just take the money out of your private bank, pay for the car and never pay the money back. Your cost is $20,000 plus the 7.0% of interest you lose each year on the $20,000. ($1,400 per year) In five years you’ve spent a total of $27,000. ($1,400 x 5 years + 20,000 = $27,000) And, you still have $20,000 less in your bank and you continue to lose $1,400 per year. In 5 years, the value of your $80,000 account @7% has only grown to $112,204.

2. Or, you could take out a 5-year auto loan and pay 10% interest. The payment would be $425 per month. In 5 years, you would have paid out a total of $25,500. In 5 years, the value of your $100,000 account @7% has grown to $140,255.

3. Or, you could borrow the money from yourself and pay yourself monthly what you would have paid on the auto loan. In 5 years, you would have paid into your account a total of $25,500. In 5 years, the value of your account @7% (less the policy loan interest) has now grown to $144,709.
   By using option #3 you are maximizing the growth of your savings... by making the same profits as a banking institution! Even if you never saved any more money or borrowed from your account again, your $144,709 @7% would grow to $559,978.17 in 20 years.

The beauty of the ‘Infinite Banking’ concept is that you are helping prospects to see the value of putting a lot of money away in a very short time period... With No long-term commitment!

And, if they do this every five years they can accumulate millions, one piece at a time.

It works because of the unique advantages of life insurance and superior tax advantages:

1. The money grows tax deferred

2. The money can generally be withdrawn or borrowed tax-free

3. There are no penalties for withdrawals prior to age 65

The problem with this concept is that you have to find the people with enough disposable income and the discipline to put large amounts of money away in a short time.

The Basic Concept Isn’t New
It’s a great concept. However, the basic concept isn’t exactly new. Variations of this concept have been used by many of the insurance industry legends for at least 40 years that I know of. Forty years ago, these industry legends would tell their clients that the money they put into their participating whole life policy could be used for emergencies, to take advantage of business opportunities, to fund college, to buy a car, and much more. However, if you take money out prior to age 65 (retirement) you’ll want to pay the loan back, plus the interest, so you will have the retirement funds you planned on!

It Works Better Today
As well as the concept worked 40 years ago, it works much better today because of the paid-up additions rider that was introduced in the late 1980’s. Today, using a paid-up additions rider, you can dramatically over-fund a participating whole life policy (Up to the MEC guidelines) and make it an exceptional wealth accumulation vehicle.

The Fallacy Behind The Concept
In my opinion, there are several problems with the way they present the concept…

1. Their concept is designed to be used with high-income wage earners! Their prospects must be willing and able to put away large sums of money. Unfortunately, this severely limits the amount of prospects available to you. And, it puts you in direct competition with all the companies and financial advisors working in the more affluent markets.

2. They’ll tell you the concept will only work with a good participating whole life policy! The truth is, this concept works equally well with a good Universal Life Policy or Index Universal Life Policy. And, in some cases these UL and IUL Policies will work much better than a Whole Life Policy, because of their flexibility.

3. They believe you should pay off your mortgage, as soon as possible! The fact is, in many cases, this is giving up one of the best ways to get started using this concept… and one of the best ways to accumulate a fortune. (The ‘Missed Fortune’ concept)

The real beauty of the concept is that with some small modifications to their ideas, you can help almost everyone to use this concept… and you’ll truly be helping people!

Making The Concepts Work
As stated earlier, to make this concept really work means putting all the money your prospect possibly can, into a good cash value life insurance policy. (Participating Whole Life, Universal Life or Index Universal Life) Now, if you want to help the greatest number of prospects, not just the more affluent, you must help your prospects to ‘FIND THE MONEY’!

You can help them find the money by:

1. Showing them how and why to increase all their deductibles and delete any unnecessary riders on their existing insurance policies. Do they have any unneeded policies? Can they use their dividends to pay up their existing policies and/or funnel those dividends into the new policy?

2. Stopping the contributions to all their qualified retirement plans, except for any amounts that are being matched by their employers.

3. Showing them the logic behind refinancing their home for as long as they can, and taking out as much equity as they can. (‘Missed Fortune’ concept)

4. Using home equity and/or insurance cash values, etc. to pay off any debts, to free up money to funnel into the life insurance policy.

5. Help them to look for other ways to cut their expenses. Can they get a better long distance carrier for their phone service, etc.?

Learn these concepts. Then, help your prospects to ‘Find The Money’ to implement these concepts. They’ll be your clients for life... And, you’ll get tons of referrals!

Summary
The top advisors have been using variations of the same concepts for over 40 years to help prospects qualify for college financial aid, reduce debt and accumulate wealth.

And, you can too...

Using the initial example of putting $1396.68 per month, for five years into life insurance, your commission in the first year would be about $10,000. You would be well on your way to earning over $500,000 with just 4 cases per month.

____________

 FREE Download Advisor's Guide To Found Money Management
Download this free report now, because you will be surprised at how quickly you can be attracting a steady stream of the IDEAL life insurance prospects and be 'finding the money' to close large life insurance sales... for ‘Missed Fortune’, ‘Infinite Banking’, ‘Tax-free Retirement’ and more!

 ______________

Jeremy and Lew Nason
Trainers, Coaches & Mentors
'The 9 Out Of 10 Guys'

P.S. Listen: Over the years, you're going to spend thousands of dollars in time, money and effort promoting your business. Why not take the time right now to learn how to do it the most cost effective, money-making way? Why not learn the marketing, prospecting, appointment setting and sales strategies that most of the leading agents, advisors and planners on the planet use? It just makes good sense.

“The common denominator of success --- the secret of success of every man who has ever been successful --- lies in the fact that he formed the habit of doing things that failures don't like to do.”
Albert Gray

Updates For Our Member's Only Private Site
 Insurance Marketing and Sales Resource Center™

Millions of American Lost a key SS strategy
Congress has agreed to, and the president is expected to sign into law, a bill that 1) averts a government shutdown and 2) shuts down two popular Social Security claiming tactics: the-file-and-suspend and the restricted-application Social Security strategies.

2015 Retirement Security
Report by Limra, discussing retirement security.

5 Things to Know About the New SS Laws
The budget bill signed last week by President Obama included perhaps the most significant change in Social Security benefits since 1983. Back then, Federal Reserve chairman Alan Greenspan led public hearings that helped usher in key reforms. Last week’s changes, which ended two major Social Security claiming strategies for married couples, occurred with virtually no public government review or hearings.

Important Message - Because of all the new information, tools and videos we have added and are adding, as of January 1, 2016 new memberships to the Insurance Marketing and Sales Resource Center™ will be $35.00 per month. Eventually new memberships will be $50.00 per month. Note: All current members will remain at their current membership level for the life of their membership.
 

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?) 

Improve Your Attitude And Change Your World

Zig Ziglar's How To Define Success!
 

What are They Saying About IPS?

"Lew Nason has a special gift for putting into simple words the essential wisdom that remains forever effective for increasing financial sales and service. Plus he adds super-important new knowledge that is uniquely his alone. Nason imparts these understandings so effectively that his priceless knowledge remains fresh and usable in the minds of agents and planners long after his training sessions are over. It is obvious that Lew walks his talk." Charles "Tremendous" Jones, Author of the two-million copy best-seller Life Is Tremendous. International speaker and former "top five world-wide insurance sales producer."

___________________
 

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)

How To Become The Most 'Trusted Advisor'
In Your Local Community!

Create 'Top of Mind' Awareness

In today’s world of financial services, there is one phrase that very accurately sums up why so many agents, advisors and planners continue to struggle in this business...

“Out Of Sight, Out Of Mind”

Think about it! Today, there are literally hundreds of financial professionals in your community that are offering the same insurance products, annuities, investments and services you offer: Insurance Agents, Banks, Accountants, Attorney’s, P&C Agencies, the Internet and more. They are all after your best customers and your best prospects. So, if you’re not continuously in front of these people when they’re ready to buy, they’re very likely going to buy from your competitor who is.

What can you do about it?

You must create and maintain "Top of Mind" Awareness with your customers and best prospects. But, how do you do that?

Understand What Your Customers and Prospects Really Want!

Today’s Consumer Is Different...

• They're Much More Skeptical And Cautious. Whether true or not, many people believe dishonesty and false promises have become rampart in the financial services industry. Consequently most people won’t make a commitment, until they gather all the facts and really think through their decision.

• They're Tired Of Sales People And Their High Pressure Tactics. There’s so much bad publicity about sales people and their tactics that people don’t want to meet with a salesperson. People today are looking for a credible advisor. They’re looking for somebody they can trust.

• They’re More Self-Centered. This is the ‘me first’ generation. They all want to know - “What’s in it for me?” “How will I benefit?”

• They're busy. The world is changing so rapidly, that most people are having difficulty keeping up with it all. It seems everybody and everything out there puts demands for their time. Consequently, most people won't take time to solve a problem, until it becomes a priority.

• They're very confused. Never before have people had so many choices - they don't know what to do - where to look - or whom to believe.

The bottom line is, today's consumer will go to great lengths to gather information. Believing the more information they have about a product or service, the better the decision they'll make.

The Principles Behind 'Top of Mind' Awareness.

It all starts with the understanding that...

“People buy when they’re ready to buy!
Not when you’re ready to sell!”

There are all sorts of statistics that bare this out. Here are just a few:

Fact, in our industry, 80% of all sales are made after the fifth contact.

According to Chilton research, when consumers begin planning a major purchase, it takes them quite a while before they make the final decision?

• 15% - Will buy during the first three months.

• 24% - Will buy within four to six months.

• 34% - Buy within seven to twelve months.

• 27% - Buy more than twelve months later.

'Top of Mind' Awareness is making sure ‘YOUR’ product or service is upper most in your customers mind, when they’re finally ready to make the decision to buy.

There's nothing worse than helping your customer to identify and solve a problem and then have them go somewhere else to implement the solution.

Maintaining 'Top of Mind' Awareness

Top Financial Professionals understand and follow the consumer’s information oriented decision process:

• Gather information

• Review alternatives

• Choose the best alternative

• Evaluate the decision after the fact

Maintaining 'Top of Mind' Awareness boils down to: "Get in at the beginning of the decision process, when the consumer is gathering facts . . . And Then Staying There!"

There is only one-way to do that, and that’s through continuous contact: by offering Free Booklets and  Reports and Educational Workshops, along with mail, phone, email and newsletters!

You must consistently create an awareness of who you are and what you offer. So, when your prospect finally decides to buy, they immediately think of you.

However, Don’t Be A Pest

Be helpful. We all want and need information so we can make an informed decision. Decide that YOU will be the source of that information.

Then do what the Top Professionals do?

Educate your prospect, in an unthreatening manner, while creating ownership of your product or service in your customers and prospects mind.

One Last Very Important Point

You can’t create ‘top of mind’ awareness with people who don’t need or want what you offer! So, focus your efforts, time, and money on your best prospects.

Your best prospects are and always will be:

• Your current best customers

• Other people like them.

Jeremy and Lew Nason
Trainers, Coaches & Mentors
'The 9 Out Of 10 Guys'

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.
 

Includes, 3 Months of One-on-One Coaching (not group coaching)
This is the in-depth life insurance marketing, prospecting, appointment setting and sales training,
with the personal coaching that you expected, but did not get from your Company or IMO!

Coaching Corner

If You Want To Be Successful In Life And Business, Then You Might Want To Follow The Sage Advice Offered By Warren Buffett!

Warren Buffett, the 84-year old billionaire, is ranked among the world's richest men. However, he lives a very fugal lifestyle that hasn't changed much since before he made his billions. He resides in the same house in Omaha, Nebraska, that he bought in 1958 for $31,500. He is also is well known for his simple tastes, including McDonald's hamburgers and cherry Coke. Buffett doesn’t own a yacht or other stereotypical luxury items because, as he states, “Most toys are just a pain in the neck.”

Note: Despite a net worth measured in billions, Warren Buffett earns a base salary of $100,000 a year at Berkshire Hathaway. It’s a salary that has not changed in 25 years. A man of simple tastes, including watching sports on television and eating junk food, Buffett easily supports his modest standard of living with this salary.

Warren Buffett, is well known for his question-and-answer sessions at the Berkshire Hathaway annual meetings and with school groups. Buffett is most proud of being frugal with his spending and savings, prompting him to share frugal living tips during interviews and public events. His advice at these events can be “life changing”.

Here is some of his 'life changing' advice that I've found by searching the internet.

Over the years, Buffett has advised students that, “investing in yourself is the best thing you can do -- anything that improves your own talents.”

He has advised parents that, “investing in your children is, in some ways, investing in yourself.” “No matter what happens in the economy, if you have true talent yourself, and you have maximized your talent, you have a terrific asset.”

Speaking with students at Rice’s Graduate School of Business, he didn’t give out stock tips, but offered the following: “unconditional love is more valuable than any amount of wealth.”  He urged the students to surround themselves with people who love them, and to give love in return.

When asked what he thought about the correlation between wealth and happiness, he explained that “success is getting what you want, and happiness is wanting what you get.”

When speaking at Columbia University, Warren Buffett said: “find what turns you on…. do what you would do if … the money meant nothing to you… You’ll have more fun and be more successful”.

Speaking with Emory University students he offered the following,  “I enjoy what I do, I tap dance to work every day. I work with people I love, doing what I love. I spend my time thinking about the future, not the past. The future is exciting. We’re all successful, intelligent, and educated. To focus on what you don’t have is a terrible mistake.”

Buffett has stated that taking a Dale Carnegie public speaking course was extremely valuable... “You’ve got to be able to communicate in life and it’s enormously important. Schools, to some extent, under emphasize that. If you can’t communicate and talk to other people and get across your ideas, you’re giving up your potential.”

Buffett counseled an MBA student: “Be a nice person. It’s so simple that it’s almost too obvious to notice. Look around at the people you like. Isn’t it a logical assumption that if you like traits in other people, then other people would like you if you developed those same traits?”

When offering students life and career advice, Buffett has stressed the importance of pursuing work that one is passionate about; being patient; reading, thinking and learning; and working smart to reach one’s potential. “There comes a time when you ought to start doing what you want. Take a job that you love. You will jump out of bed in the morning. I think you are out of your mind if you keep taking jobs that you don’t like because you think it will look good on your resume. Isn’t that a little like saving up sex for your old age?”

Buffet has encouraged students to use all their horsepower. “How big is your engine, and how efficiently do you put it to work?” Warren Buffett suggests that many people have “400 horsepower engines, but 100 horsepower of output”. According to Buffet, the person who gets full output from a 200-horse-power engine is a lot better off. Those with a modicum of intelligence can be very successful.

Buffett, in a speech to students at the University of Nebraska said: "I may have more money than you do, but money doesn't make the difference. If there is any difference between you and me, it may simply be that I get up every day and have a chance to do what I love to do, every day. If you want to learn anything from me, this is the best advice I can give you."

Buffett told Georgia State students in 2001 that it’s important to know your limits and not stray too far from them. In fact, Buffett’s investment philosophy is centered on putting his money where his knowledge is. “You don’t have to be an expert on everything, but knowing where the perimeter of that circle of what you know and what you don’t know is, and staying inside of it is all important,” he said. “Tom Watson Sr., who started IBM, said in his book, he said, ‘I’m no genius. But I’m smart in spots, and I stay around those spots.’ And, you know that is the key. So if I understand a few things and stick in that arena, I’ll do OK.”

According to Mr. Buffet, “You ought to be able to explain why you’re taking the job you’re taking, why you’re making the investment you’re making, or whatever it may be. And if you can’t write an intelligent answer to those questions, don’t do it.”
 

Buffet on life

1. "You only have to do a very few things right in your life so long as you don't do too many things wrong."

2. "Should you find yourself in a chronically leaking boat, energy devoted to changing vessels is likely to be a more productive than energy devoted to patching leaks."

3. "It is not necessary to do extraordinary things to get extraordinary results."

4. "What we learn from history is that people don't learn from history."

5. "Chains of habit are too light to be felt until they are too heavy to be broken."

6. "There seems to be some perverse human characteristic that likes to make easy things difficult."

7. "Nothing sedates rationality like large doses of effortless money."

8. "It takes 20 years to build a reputation and five minutes to ruin it. If you think about that, you'll do things differently."

9. "It's better to hang out with people better than you. Pick out associates whose behavior is better than yours and you'll drift in that direction."

10. "Long ago, Ben Graham taught me that 'Price is what you pay; value is what you get.' Whether we're talking about socks or stocks, I like buying quality merchandise when it is marked down."

11. “Invest in as much of yourself as you can, you are your own biggest asset by far.”

12. “I insist on a lot of time being spent, almost every day, to just sit and think. That is very uncommon in American business. I read and think. So I do more reading and thinking, and make less impulse decisions than most people in business. I do it because I like this kind of life.”

13. “I see people with these self-destructive behavior patterns at my age or even 20 years younger, and they really are entrapped by them.”

14. “Somebody once said that in looking for people to hire, you look for three qualities: integrity, intelligence, and energy. And if you don’t have the first, the other two will kill you. You think about it; it’s true. If you hire somebody without [integrity], you really want them to be dumb and lazy.”

15. "The biggest suggestion I have is to avoid credit cards,” Buffett said. “Interest rates are very high on credit cards. Sometimes they are 18 percent. Sometimes they are 20 percent. If I borrowed money at 18 or 20 percent, I’d be broke. So if I had one piece of advice for young people generally it would be to just avoid credit cards.”
 

Buffet on investing

1. "The most important quality for an investor is temperament, not intellect. You need a temperament that neither derives great pleasure from being with the crowd or against the crowd."

2. "Successful Investing takes time, discipline and patience. No matter how great the talent or effort, some things just take time: You can't produce a baby in one month by getting nine women pregnant."

3. "I don't look to jump over seven-foot bars; I look around for one-foot bars that I can step over."

4. "In the short term, the market is a popularity contest. In the long term, the market is a weighing machine."

5. "Opportunities come infrequently. When it rains gold, put out the bucket, not the thimble"

6. "Diversification is a protection against ignorance. It makes very little sense for those who know what they're doing."

7. "If you aren't willing to own a stock for ten years, don't even think about owning it for ten minutes. Put together a portfolio of companies whose aggregate earnings march upward over the years, and so also will the portfolio's market value."

8. "The key to investing is not assessing how much an industry is going to affect society, or how much it will grow, but rather determining the competitive advantage of any given company and, above all, the durability of that advantage."

9. "I am a better investor because I am a businessman, and a better businessman because I am an investor."

10. "It's far better to buy a wonderful company at a fair price than a fair company at a wonderful price."
 

Top five insights on investing

Warren Buffett's top 5 insights each explain a truth about life or investing in the simplest way possible.

1. "I will tell you how to become rich. Close the doors. Be fearful when others are greedy. Be greedy when others are fearful."

2. "I tell college students, when you get to be my age you will be successful if the people who you hope to have love you, do love you."

3. "The difference between successful people and really successful people is that really successful people say no to almost everything."

4. "I've seen more people fail because of liquor and leverage -- leverage being borrowed money. You really don't need leverage in this world much. If you're smart, you're going to make a lot of money without borrowing."

5. "What an investor needs is the ability to correctly evaluate selected businesses. Note that word "selected": You don't have to be an expert on every company, or even many. You only have to be able to evaluate companies within your circle of competence. The size of that circle is not very important; knowing its boundaries, however, is vital."

Jeremy and Lew Nason
Trainers, Coaches & Mentors
'The 9 Out Of 10 Guys'

You Can Double and Triple Your Appointments and Sales, By Learning To Ask The Right Questions!

Includes, 3 Months of One-on-One Coaching (not group coaching)
This is the in-depth annuity and life insurance appointment setting, fact-finding and sales training,
with the personal coaching that you expected, but didn't get from your Company or IMO!
 

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