IPS Success Tip... Help Retirees To Have More Income With A Split Funded Annuity

Help Retirees And Boomers To Have More Retirement Income With A Split-Funded Annuity… An Income They Cannot Outlive!

10/08/2020... Do want to know the best way for you to help retirees and boomers to have more income to spend… and have an income they cannot outlive? Have you ever heard of a split-funded annuity? It is a way for you to help your retirees and boomers to have a guaranteed income in retirement. While they grow more money for their future? Help your retirees and boomers with this split-funded annuity concept and you will sell more and larger annuities!

The split-funded annuity is a strategy that you use to have more safety and income when you retire. The idea is to take some of your money and put it into an income annuity. So that you get immediate income. Then you put the rest of the money into one or more deferred annuities to let it grow back to your original amount.

It is a great way to help your retirees and boomers to have a guaranteed income in retirement they cannot outlive!

Here is the problem… 

You have $500,000 of non-qualified money that you plan to use to give you an income at retirement. If you take out 4% a year from your stock and bonds, then that would give $20,000 a year.

The first problem is that you would owe income taxes each year on the gains of the entire $500,000. So depending on the investment, you could end up paying a lot of taxes. That would reduce the amount you can spend… of the $20,000 you took as income.

The second problem is that only taking out 4% a year will NOT guarantee that you will not run out of money in retirement. Because 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 in retirement.

Plus, if you need money for an emergency. And you take part of that $500,000. Then you will have less money to get an income.

The Solution… A Split-Funded Annuity!

What if instead, you use a split-funded annuity? You put $96,000 into an income annuity. So that you would have the same $20,000 of income per year. Then the remaining $404,000 you put into a deferred annuity. You let it grow for 5 years… back to the $500,000 you started with!

The first benefit of a split-funded annuity to you is, that only a small part of the $20,000 of income is taxable. Because $19,200 is considered a return of investment principle. So you only pay taxes on $800.00!

The second benefit of a split-funded annuity is that you will not pay income taxes on the gains of the $404,000 in the deferred annuity until you take money out.

You would pay a lot less in taxes, so you would have more of your $20,000 to spend.

Plus, if you need money for an emergency, then you can take it… without reducing your income!

In 5 years, when you are ready to begin receiving payments from your deferred annuity… you would take out $96,000 again and restart the process.

Summary – Split-Funded Annuity Strategy!

When you use the split-funded annuity strategy… You will have a lot more income to spend, more flexibility, more control, and more safety! Plus you will pay a lot less in income taxes! With a lot less risk of you outliving your money! It can also free up money that you may need for Life Insurance, Long Term Care Insurance, and more!

Would you like to learn more about the split-funded annuity strategy, so that you provide the best solutions to help your retirees and boomers? Do you want to create a great annuity sales presentation, so that you sell more and larger annuities to everyone you meet with? Then we can and will help… click here!


Training For Private Site Members to sell more and larger annuities!

Have you read any of the reports in the 5 Annuity Sections of the private site? Not a member, then click here! (It is only 29.95 per month and you can cancel at any time)

Do you want to learn how you can help retirees to have an income that they can not outlive? Do you want to give them a safe income when they retire? Then you will want to learn the best ways for you to use fixed, indexed, and Joint and Survivor Life Annuity! So you will sell more and larger annuities?

Annuities – The ins and outs of annuities… is everything from the different types of annuities, to suitability, pensions, longevity, and more.

Indexed Annuities – This page is dedicated to you 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, 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 3 live group coaching webinars for all of our members and we record them… Group Coaching Recordings.

When will you learn to use a split-funded annuity to help your client, while you sell more and larger annuities to retirees?


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Annuity Sales ExcellenceOur Annuity Sales Excellence Tool Kit is about you helping retirees and boomers Maximize Their Spendable Income. While you Guarantee An Income They Can’t Outlive! (Using Fixed And Immediate Annuities!)

Check out our Annuity Sales Excellence™ Tool Kit, because you will get 90 days of personal agent training and coaching… with sales support! All from a team that has been training agents and advisors for over 40 years to use split-funded annuities to help retirees and boomers. So they will earn $250k or more per year selling annuities and life insurance!

We will show you how to find your best annuity leads/prospects. So you will set great annuity sales appointments. Then we will show you how to help retirees and boomers see and want to solve their money problems. We will also show you how you can help retirees and boomers find the money so that they can take action right now! Then we will show you the best ways for you to present your solutions to your clients and prospects to close 9 out of 10 sales. So that you will earn $250K, or more this year selling annuities and life insurance like the legends.

When will learn the best ways for you to help retirees and boomers to have an income they cannot outlive… joint and survivor life annuities and split-funded annuities. So you will sell more and larger annuities!

Shawn Borden Highly Recommends Our Life Insurance and Annuity Agent Training Programs, Our Sales Skills and Advanced Fact-finding Training and Our specialized Insurance Marketing and Sales Systems“we led the region in IPS and Production Credit and qualified for Century Club.”
“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.”
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Recommended By The Members Of The IARFC - Help Retirees To Have More Retirement Income With A Split Funded Annuity!