Joint and Survivor Life Annuity – To Help Retirees & Boomers To Have An Income They Cannot Outlive!
Dear Friends… When Will You Get The Best Annuity and Sales Training For Agents and Advisors? Do you want to help retirees and boomers? Then, do you know a Joint and Survivor Life Annuity (AKA Joint Life Immediate Annuity) is one of the best ways for you to help retirees and boomers have more money to spend in retirement? While you help retirees and boomers have a guaranteed income they cannot outlive! And it is an easy sale when you understand how it works to help retirees and boomers! When you get the annuity sales training you need to present it to clients the right way.
Let’s compare an income from Stocks and/or Bonds to a Joint and Survivor Life Annuity!
Let’s assume you have $100,000 of non-qualified money you want to use to provide an income when you retire.
1. A $100,000 invested in a Joint and Survivor Life Annuity, with both people at age 65, will pay out about $5,600 per year. And it is guaranteed for the life of both of those people. Note The older you are when you invest in a Joint and Survivor Life Annuity! Then the higher your income will be.
2. Now you have an exclusion allowance on the Joint and Survivor Life Annuity income of 70%. So you will pay taxes on only $1,680 of the $5,600 income. At a 15% tax rate, your taxes would be only $252. The net income for you to spend is $5,348.
3. If you invest $100,000 in stocks and/or bonds, you would need to withdraw $6,292 per year (that’s over 6.29% per year) to have the same net spendable income of $5,348. ($6,292 – 15% taxes = $5,348)
The Problem With Stocks and Bonds!
4. Numerous ‘INDEPENDENT’ studies have shown that if you invest in stocks and/or bonds, then a 3-5% withdrawal rate is all you can take. That is if you want a 90% or better chance of not running out of money during retirement. How would you feel if you had to tell just one person they have run out of money? How would it feel if you had to tell 10 of your clients (10 out of 100) they have run out of money?
A 1998 study by three professors at Trinity University, measured various withdrawal rates and asset models between 1926 and 1995 to gauge how successful those rates were at sustaining portfolios over specified periods. When adjusted for inflation, 3% withdrawal rates on stock-heavy portfolios (between 50% and 100%) were 100% successful at maintaining assets for 30 years. While 4% withdrawal rates achieved success in the mid-to high-90% range depending on the stock allocation. A 100% bond portfolio had only an 80% success rate for 30 years.
These studies jibed with Harvard University researchers in 1973. They found that a 4% withdrawal rate on a portfolio with 50% stocks and 50% bonds, with withdrawals adjusted for inflation, could maintain that income without depleting the principal.
5. How many people will run out of money if they withdraw over 6% per year… 20%, 30%, or more? How would it feel to tell 20 or more of your clients (out of 100) they have run out of money?
6. If the safe withdrawal rate for stocks and/or bonds is only 3-5%, then using an average of 4% they would have only $3,400 in spendable income after taxes. ($4,000 – 15% taxes = $3,400) This gives them only a 90% chance of not running out of money.
7. If they have their money in stocks and/or bonds and have to use part of it for an emergency, then will they have to take less income? So they will not run out of money later?
8. And, this doesn’t take into account that they may need long-term care. Then they may have to spend down part or all of the money they have in stocks and/or bonds. Which means their spouse would lose that income.
The New England Journal of Medicine reports that about 51%, of people 65 years and older, will eventually need Long Term Care.
The Solution… A Joint and Survivor Life Annuity
9. If they put $64,286 into Joint and Survivor Life Annuity, with both participants age 65, then it will pay out $3,600 per year. And their net spendable income is $3,438. ($3,600 – 15% taxes = $3,438) This gives them a 100% chance of not running out of money. And that income is guaranteed for life. So they cannot outlive their income!
10. Now they have $35,714 that is growing each year for emergencies. And they can use the money to supplement their income for inflation. (In 24 years @ 8% they would have $307,195.10) Plus, they have a guaranteed income they cannot outlive!
Studies have shown that a Joint and Survivor Life Annuity can provide a secure income for 25% to 40% less money. Wharton Financial Institutions Center… “Policy Brief: Personal Finance, August 14, 2007, Investing your Lump Sum at Retirement!.”
11. This isn’t even accounting for the potential tax savings on their Social Security income. Because of the exclusion allowance, they will have a Joint and Survivor Life Annuity.
Your Social Security benefits generally are not taxable if half of your Social Security benefits, plus all your other taxable income, is less than $25,000 if you are single ($32,000 if you are married filing jointly). If half of your Social Security benefits, plus all of your other income, is more than $34,000 (for singles) or $44,000 (married filing jointly), then 85% of your Social Security benefits are subject to income tax. If you fall somewhere between the lower and upper limits, then the percentage of your taxable Social Security benefits varies between 0% and 85%.
12. Are you concerned about the low interest rates today for Joint and Survivor Life Annuity? Then you might want to consider using the split funding annuity concept. Then use stocks and/or bonds for long-term gains. (Laddering) It has the potential to provide substantially more income, with even more liquidity. And their income is guaranteed. We will give you more about the split funding annuity concept in our next newsletter.
Why A Joint and Survivor Life Annuity
Using a Joint and Survivor Life Annuity will free up money retirees need for Life Insurance, Long Term Care Insurance, and more… For An Income They Cannot Outlive!
“If the market goes down tomorrow, how much income will your clients lose?”
Would you like to learn more about the Joint and Survivor Life Annuity? So that you can provide the best solutions to help retirees and boomers? Do you want to create a great annuity sales presentation? Do you want to get the best annuity training for agents and advisors to help retirees and boomers have a guaranteed income they cannot outlive? So you close an annuity sale with almost everyone you meet with? Then check this out. We can and will help you get the best annuity and sales training… Click here!
Private Site Members – How To Sell More Annuities – Best Annuity and Sales Training For Agents And Advisors!
Have you read any of the reports in the 5 Annuity Sections of the private site, so you will learn the best ways for you to help retirees and boomers – Have An Income They Cannot Outlive? Not a member, then click here! (It is only $39.95 per month and you can cancel at any time)
Do you want to get the best annuity and sales training for agents and advisors to learn how you can help retirees and boomers have an income they can not outlive? Do you want to give them a safe and secure income when they retire? Then you will want to learn the best ways to use fixed, indexed, and a Joint and Survivor Life Annuity!
Get The Best Annuity and Sales Training For Agents And Advisors!
Annuities – The ins and outs of annuities… everything from the different types of annuities, suitability, pensions, longevity, and more.
Indexed Annuities – This page is dedicated to learning everything you need to know about indexed annuities… what they are, sales concepts, etc…
Social Security & Taxes – Everything you need to know about social security and taxes. Including how and when you should claim Social Security, and Medicare, how your income affects both Medicare and Social Security, tax law changes, etc…
Understanding Seniors and Boomers – Articles on understanding seniors, retirement, and other issues seniors face.
Truth in Investing – Everything you need to know about investing. Including the problems with 401(k)’s, safe withdrawal rates, the 4% rule, CDs, and reports on the stock market.
Did you also know that every month we have 4 live group coaching webinars for all our members? And we record them all… Group Coaching Recordings
Get The Training To Help You To Sell A Joint and Survivor Life Annuity
“I think anyone who has experienced Insurance Pro Shop in any capacity knows the first class training that Lew and Jeremy Nason offer agents, both new and experienced. But the one thing that makes the Nason’s special is how much they care about not only us, as THEIR clients… But OUR clients as well. The Nasons will not only help you increase your income. But if you apply what they teach you, you will truly become a trusted advisor of your community. You will also learn to sell the RIGHT way. The Nasons are wonderful people and I am very fortunate to have met them!” Oliver Chamberlain, PA (12 years in the business)
“I want to thank you from the bottom of my heart for all of your help. I took your systems in life insurance and annuities and achieved top producer status. My agency was appointed as a premier financial services office for Allstate. And we also led the region in IPS and Production Credit and qualified for Century Club. Thank you for all you do and for being so sharing and kind. It’s so rare in these times to find people of your caliber, who put ethics ahead of profits. You have my deepest gratitude.” Shaun C. Borden, Allstate Owner, FL (10 yrs in business)
When will you follow the ‘Top Producers’ to be a successful agent or advisor selling life insurance?
Let’s keep this simple. Most agents (90%) struggle to earn a decent net income after expenses. They take the easy way and follow what the herd does – buying insurance leads, buying the next hot sales system, software, etc. They are spending thousands of dollars each year.
However, the top 10% of successful agents do not buy leads, do not buy the next hot sales system, software, etc. Instead, they invest in the training and coaching they need to take charge and grow their insurance agency. They invest in the training, coaching, and support they need to help people and make a difference. Accordingly, they stand out from the crowd. They are seen as experts and draw prospects to their insurance agency.
Consider… The top agents and advisors we train and coach earn over a million dollars annually selling life insurance, annuities, investments, and their services. While thousands of agents and advisors who earned $30,000 – $50,000 per year, within a year now earn $100,000 – $200,000! And their income keeps growing as they become the Trusted Advisor people want to see! Why! Because when you learn how to help prospects find the money to get all the life insurance they need, the average case is $3,000 – $7,000 in commissions!
IPS Mini-University In Insurance Marketing And Sales
*** Joint and Survivor Life Annuity… Help Retirees & Boomers To Have An Income They Cannot Outlive! ***
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In December 1999, we created the Insurance Marketing and Sales Resource Center because of the serious lack of marketing and sales training for financial professionals. There is a 95% FAILURE rate of new agents entering financial sales and most agents who survive struggle to make a mediocre income. It is because most agents are being taught to sell products – instead of learning how to help middle-income families find the money to get out of debt and save for their future. Our goal is to provide an affordable way for agents to get all the training they need to guarantee they will succeed and earn a superior income by helping middle-income families find the money to save for retirement to “Live Debt-Free And Truly Wealthy”!
Over the past 20-plus years, our family has helped thousands of agents and advisors increase their sales in a few weeks to earn $3,000 – $7,000 per week, $150,000, and more annually! By becoming members of our Insurance Marketing and Sales Resource Center. It is only $39.95 per month and you can cancel anytime. Check it out, because it has detailed insurance marketing strategies to attract the best prospects in your area, with many hours of agent video training. It also has in-depth appointment setting and insurance sales training, with even more agent video training… including the sales appointment scripts, fact-finding questions, and more. We also have live weekly insurance agent training webinars.
We are always here to help and guide you every step of the way to find your best prospects, and set appointments to succeed in selling more life insurance and annuities!
Here Is What Our Members And Experts Say About Our Affordable Insurance Agent Training!
“After just reading the first page of Insurance Pro Shop Marketing 101. I learned that I need a new business card, a new tag line and new phone line. That’s just from page 1. Then I asked Jeremy about Final Expense and he said stay away from it. He gave me the reasons why. He also told me never buy a lead. I learned more from him in 3 short 2 minute questions that I learned in the last six years. He has a very calming personality and helps you in any way he can.
I am blessed to have come upon Insurance Pro Shop. Jeremy is a delight and never gets irritated in the slightest and always calls you back. I am very fortunate to have met him at this junction in my life and career. Thank you for giving me the direction and patience I need now.” Neal Merems – CA (34 years in the business)
“Thanks Jeremy! I spent a good three hours reading the material under the membership mini-university (Insurance Marketing and Sales Resource Center) last night and I must say that I learned more last night then I have since entering the business nearly 3 years ago! I think your program will tremendously help my father and I in our business! Thanks,” Bryan Grissum – MO (5 years in the business)
“Just wanted to drop you a quick note about your webinars. Your webinar content has been FANTASTIC! You help to “cut through” to the heart of what’s most important, in order to do an accurate and great job for the client. Sure, you often run past the 1 hour mark, but it’s always been valuable content. IPS always delivers! Everyone who is a student of the life and annuity insurance business needs to hire you to be their teachers for insurance and financial planning. You keep doing what you’re doing. You’re filling a vital need in the insurance training industry. We’re all lucky to have you and your family serving the industry the way you do.” David H. Kinder, ChFC® – CA (11 years in the business)
“Will, thank you so much for adding the Trusted Advisor videos to the Private Member site. (Insurance Marketing and Sales Resource Center) I have watched the videos several times so far. Please continue to add great videos like those to the Private Member site. Best, Ric” Ric Komarek, RFC® – CA (7 years in the business)
Insurance Marketing and Sales Resource Center™
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What Are You Waiting For – Get Our Affordable Online Live Weekly Group Training And Coaching Webinars For Insurance Agents and Financial Advisors!
Are you a seasoned financial advisor, a new insurance agent, or a P&C agent? You need training and coaching to learn these critical and fundamental insurance marketing, exclusive leads, and sales strategies right now! They are not an option if you want to be a Trusted Advisor and be ultra-successful in insurance sales.
This training is how you will learn to send a “special marketing message” about how you help middle-income families Find The Money for a secure financial future! Following our program you will easily attract exclusive insurance leads/prospects in your community! NO more leads to buy! No more traveling all over your county and state. Save time and thousands of dollars each year!
Then learn how to ask the right questions to set appointments with almost everyone you call. You will set more and your best insurance sales appointments! Because they are better quality, you will also need fewer insurance sales appointments, and they will all be in your local area! Save time and thousands of dollars each year!
Then learn how to help middle-income families Find The Money to close more and larger sales! The average insurance commission per sale when you help middle-income families Find The Money is $3,000 to $7,000 in commissions.
This is just the start of the life insurance marketing and sales agent training, courses, tools, strategies, and videos you will also get… When you decide to be an elite member of our IPS private life insurance marketing strategies and sales training website.
INCLUDES… 4 Live Hour Long Weekly Insurance Agent Coaching Webinars each month – Live Group Coaching – Case Design Classes – with Insurance Marketing, Prospecting, And Sales Training Tips and Strategies! You will have immediate access to all of our Past Live Insurance Agent Coaching Webinars!
There are many benefits to insurance agent sales training, coaching, and support! 80% of insurance agents who receive insurance marketing training, coaching, and sales support report increased self-confidence. The more confident you are in your ability to help middle-income families, then the more people will want your help.
Finding The Best Life Insurance Leads, Setting Insurance Appointments, And Closing More and Larger Sales Is Easy… When You Get The Best Agent Training And Live Agent Coaching From A Family Who Have Been Training Agents And Advisors For Over 40 Years!
Become An IPS Member today to check out our agent marketing. leads, and sales training life insurance programs! Find the best leads and sales appointments to help middle-income families!
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Note: We have agents from around the world who are members of our affordable, IPS Exclusive Members-Only Website… And use our life insurance and annuity marketing systems, leads systems, sales systems, tools kit, and personal agent and advisor training program – Canada, the United Kingdom, Indonesia, India, and the Philippines!
When Will Take Control Of Your Life – To Succeed In Selling Insurance!
Stop putting it off! When you can get the insurance marketing systems, sales training, and agent support you need to succeed!
How We Help You Increase Your Sales And Income Selling Annuities!
Whatever the reason is for you not making the sales income you want selling annuities and life insurance! We will help you to fix it! So where do you want to go from here? Will you be our next agent success story? Call us now. We can help you decide which of our training and coaching programs is the right one for you to increase your sales and income by selling insurance and annuities! 877-297-4608
When are you going to get the system and tools, with the 3 months of one-on-one agent training, coaching, and sales support you need to help middle-income families find the money to spend, save, invest, insure, and plan wisely for the future to “Live Debt Free and Truly Wealthy?” So you will be one of the top agents successfully selling annuities and life insurance!
Best Annuity Training For Agents And Advisors To Help Seniors Have An Income They Cannot Outlive!
The 10 Deadly Mistakes That Are Killing Your Annuity Sales!
Download This Revealing FREE E-book Right Now…
Learn The Real Secrets To Your Success Selling
Indexed Annuities, Income Annuities, and MYGAs
To Retirees and soon-to-be's!
Please Download This FREE Report '10 Deadly Annuity Marketing Mistakes' Right Now!
Annuity Sales Excellence™ Tool Kit
When Will You Get The Best Insurance Agent Training, Coaching, And Sales Support Program/System – To Sell Life Insurance And Annuities Like The Legends?
Our Annuity Sales Excellence Tool Kit (Annuity marketing, exclusive leads, and sales system) is about you helping retirees Maximize Their Spendable Income. While you Guarantee An Income They Cannot Outlive! (Using Fixed And Immediate Annuities!)
Using our Tool Kit you will get 90 days of personal insurance agent training and coaching… with back-office sales support! All from a team that has trained insurance agents and advisors for over 40 years to help retirees use annuities. It is the best annuity marketing training to find and attract exclusive leads to guarantee you will earn $250k or more per year selling annuities and life insurance! Just like the Industry Legends Ben Feldman, Tom Wolf, John Savage, Van Mueller, and Medhi Fakharzadeh!
First, you will get the best marketing system and agent training to find and attract your best exclusive annuity sales leads/prospects. Then you will get the best sales training to show you what to say (our proven annuity prospecting scripts). And then the probing sales questions to ask your prospects… So you will set your best annuity sales appointments.
Then you will get the best annuity fact-find training and the right sales questions to ask to help retirees… So they will see and want to solve their problems. We will also show you how you can help retirees to find the money… So they can take action right now!
Then we will show you the best ways to present your solutions to close 9 out of 10 annuity sales. So you will earn $250K or more this year in selling annuities and life insurance like the Legends.
Includes… 90 Days of Personal Insurance Agent Training, Coaching, and Back-Office Sales Support Worth $2,097,
Our Annuity Sales Excellence Tool Kit (Annuity marketing, exclusive leads, and sales system, with agent training and coaching)
Our Annuity Lead Magnet™ Using Information Booklets & Reports,
Our Complete Annuity Sales Seminar And Workshop System, Strategies and Tips,
Also membership to our IPS Private Site… With weekly live agent training and coaching webinars – Only $39.95 monthly after the first month!
When will read our annuity marketing and sales articles, tips, ideas, and strategies for helping retirees and boomers? Then put the annuity marketing, leads, appointment setting, and sales articles, strategies, ideas, and tips to work for you to double and triple your annuity sales… in the next 60 days! Best Annuity Training For Agents And Advisors To Help Seniors Have An Income They Cannot Outlive!
IPS Personalized Client Newsletters – Free Personalization
Do you want a stream of your ideal insurance clients and exclusive leads? Do you want to make it easier to set appointments and close the most life insurance sales? Then make sure that your name and special insurance marketing message of how you are helping middle-income families is out there! So you are always in front of your ideal prospects.
Your client newsletter is critical to staying in touch with prospects, friends, family, and clients. It is also a key to more repeat sales and referrals (exclusive leads) from your current clients. So it is a huge key to you being a successful insurance agent!
Remember, ‘Out Of Sight, Out Of Mind’ is a deadly mistake for advisors. Why would your clients, friends, family, neighbors, or prospects call you when they need your help? Or when they are ready to buy. Since they never hear from you, don’t remember you, or know how you help middle-income families! And, then why would they refer people to you?
Are You Asking Your Clients Enough Insurance Sales Questions? Only $39.95
By Lew Nason, LUTCF, CTA, RFC Retired, And Jeremy Nason RFC, CTA
One of the recurring topics we write about each week… and talk about daily is asking your insurance prospects the right probing questions. And then ask your insurance prospects enough sales questions! That is because asking your prospects the right probing questions is one of, if not the biggest key to your success in selling insurance. Accordingly, agents have asked us for a complete list of probing sales questions to use with their insurance prospects! As a result, we have compiled a list of all of our favorite insurance sales questions. And we put them all into our limited edition e-book… Are You Asking Enough Insurance Sales Questions? In this 24-page guide, you will find our goldmine of probing questions you should ask prospects to set appointments and close insurance ales. More Details! Immediate Download… Order Now!
A huge key to finding and attracting exclusive leads, setting better appointments, closing sales, increasing your income, and successfully selling life insurance annuities and your services is and always will be getting the agent training to ask enough of the right sales questions! Best Annuity Sales Training For Agents And Advisors!
“The key to a life insurance sale is an interview, and the key to an interview is a disturbing question.”
When Will You Learn How To Help Families? Increase Your Sales And Income by Selling Insurance And Annuities!
Middle American Family’s Guide To – Living Debt-Free And Truly Wealthy!
By Lew Nason, LUTCF, CTA, RFC Retired, And Jeremy Nason RFC, CTA
We urge you to take the time to read our 20-chapter book… Middle American Family Guide To Living Debt-Free And Truly Wealthy! Because we give you complete strategies… To help middle-income families find the money to spend, save, invest, insure, and plan wisely for a secure future! So you can help them “Live Debt-free and Truly Wealthy”! As a result, you will understand our philosophies and techniques by the end of the book. Finally, you will know how you can make a real difference… Helping your family, friends, clients, and neighbors to get rid of their debt. So they can save for retirement. So that they will have a secure financial future! Book Outline – Get A Digital Copy of Our 20 Chapter Book! Only $18.97, Immediate Download, ORDER Now!
Important Question… Are you in this insurance business to make sales? Or are you interested in helping families? Who do you think insurance prospects want to see? Do they want to meet with an insurance salesperson – or a Trusted Advisor who does their best to help them? When will you decide to make a real difference in people’s lives? The more personal insurance agent training, coaching, and sales support you get to learn how to successfully help families find the money… for a secure financial future. Then the more you will learn how to help yourself and your family! Nothing will change until you decide to take action to make it change!
Get The Best Annuity And Sales Training For Agents And Advisors! Learn How To Help Retirees and Boomers Have An Income They Cannot Outlive!
Replacing Life Insurance Policies Just To Make A New Commission Is Bad For Everyone!
A Little Secret Of How To Sell New Prospects Life Insurance!
