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Showing posts from April, 2015

Top 10 Reasons to Offer Single Premium Life

1. Opportunity: $40 Trillion in assets will pass to heirs by 2052  2. By asking ONE simple question , you can discover clients and prospects that have set aside "leave-behind" money, already earmarked for heirs. 3. Life Insurance is the most efficient way to transfer wealth. SPL is simple to explain and no exams are required. 4. You already work with people age 60-85 who can benefit by owning SPL. 5. Client retains control of policy and cash value. 6. Accelerated benefits like Chronic Care and Return of Premium are available. 7. Death Benefit creates instant increase in legacy and proceeds transfer income tax-free. 8. SPL provides heirs funds for their inherited taxable gain assets like IRAs. 9. Great Plains offers multiple carriers and the most competitive SPL products. 10. Depending on client age and carrier, commissions up to 15%. You may be sitting on a GOLD MINE! Review your client database for SPL Sales Opportunities NOW!

Life - Annuity Arbitrage

The best concepts are the ones that have been around for a long time. This tends to lend credibility to the concept, standing up to the test of time. Life-Annuity Arbitrage is not brand new by any means, but is a concept that most forget is in their repertoire. We have developed a one page presentation to help explain the concept to your client. The Life-Annuity Arbitrage is a versatile concept that can be used in many different scenarios. Substituting interest only income from a CD or Fixed Annuity, maximizing the amount of money left to beneficiaries from a stale asset, or efficiently funding for estate planning needs. Knowing where and when to apply this concept is where we excel! The basic Arbitrage is where you put a lump sum of cash into a life only Single Premium Immediate Annuity, purchase a Life Insurance policy to replace the initial lump sum at death, using the payments from the SPIA to pay the premiums for the Life Insurance and provide a lifetime income for yo