SALES
IDEAS:
- 6 New Life Insurance Prospecting
Letters!
Looking for a great way to break the ice with customers?
Here are six new life insurance prospecting letters to help
make it easier; compliments of Lincoln Benefit Life.
Letter
1, Letter
2, Letter
3, Letter
4, Letter
5, Letter
6
-
Premium Finance Advanced Sales Strategy:
Get AIG's new Advanced Sales Strategies newsletter; featuring
an idea that highlights Elite Global Index UL and the High
Net Worth Premium Finance Program utilized in conjunction
with a GRAT.
-
Family Business Succession Planning:
The Baby Boomer generation is beginning to turn 60! Many
boomers who started businesses years ago will soon want
to enjoy the fruits of their labor in retirement. To do
so, they will need to implement a family business succession
plan. Unfortunately, most of these family-owned companies
do not have a written plan in place. Here is information
you can use to talk with your clients about Succession Planning.
- Why
do successful people buy life insurance as part of their
estate, business continuation and charitable plans?
If you know why successful people use life insurance, you
can help your clients understand why they should also use
it.
- Executive
Deferred Compensation:
Companies are constantly looking for ways to provide golden
handcuffs to key employees to avoid losing the earning power
these individuals bring to the company. Whether a key employee
leaves for a more lucrative offer or sustains an unplanned
loss due to death or disability, the company can be financially
impacted. For the executive, they are looking to provide
protection for their family in the event of their death
or disability and also want to be fairly compensated for
the benefits they bring the company.
- Helping
Children Begin Saving for the Future With a Roth IRA
:
Many of your customers may not understand that they can
set up an IRA for their child who has earned income.
- Preserving
a Life Insurance Policy Tax Loss:
- SPIAs
Provide Tax Solution in Retirement :
Show your clients how a SPIA avoids the pitfalls of fully-taxed
income from CDs. A SPIA also helps avoid taxation of Social
Security income.
- Social Security Sales Idea:
Make sure your married clients know that when one of them
dies, the lesser of their two social security checks will
go away. Will their expenses go down as much? Sure, things
like groceries, clothes and entertainment will be less expensive,
but will their mortgage or rent go down? How about the car
payment? Car insurance? As he or she gets older, will the
survivor's medical expenses go down? A relatively small
life insurance policy could replace that social security
payment and provide for the survivor for the rest of his
or her life.
- A
Broader View of Legacy Planning:
A wealthy grandparent funded an irrevocable trust with real
estate and with the grandchild as beneficiary.
- Defined
Benefit Idea:
Over the years one of the most common questions we've been
asked has been, "I have a prospect who has side income
from his regular employment. Can 100% of that be sheltered
in a retirement plan?" We've always told you "No",
but if you ask us this question now the answer will be "Yes."
- An
Immediate Life Annuity as Part of a Client's Retirement
Income Strategy:
This article provides a helpful discussion if your clients
are retired or nearing retirement or if they are worried
about how much income they can safely take from their portfolios?
- New Advanced Sales Brochures from
AIG:
Use these pieces as a talking point or as something to leave
behind for business and estate insurance prospects rather
than using mass mailings!
Executive
Bonus
Key
Employee Insurance
Estate
Equalization
Premium
Financing
Wealth
Maximization
- SPIAs Help
Make a Charitable Gift Annuity Work Even Better:
Single Premium Immediate Annuities can help charitable gift
annuities work better for both the charity and the donor.
- Year-End
Planning Guide:
Back by popular demand! This guide can help clients take
advantage of "use it or lose it" planning opportunities;
such as using all available annual gift exclusions before
the year ends.
- Give Your Lincoln Benefit Life Sales
a Boost:
Lincoln Benefit Life has new materials focused entirely
on increasing your life sales. Use these pieces to start
discussions, trigger thinking, and inspire action with customers.
Consumer
Brochure
Ad
Slicks and Think Cards
Prospecting
Letters and Postcards
- How
to Use Life Insurance Policies to Reduce Taxable Gains in
Annuity Contracts:
Genworth's details of this technique.
- The
IRS is pursuing abusive 412(i) plans:
This provides an update of 412(i) audits.
- Avoiding
the 3-year Rule:
Are there strategies for avoiding or minimizing application
of the three-year rule in the situation where an insured
desires to transfer a policy he/she owns to a life insurance
trust? Are all transfers of life insurance policies within
three years of the insured’s death subject to the
three-year rule of estate inclusion under Internal Revenue
Code Section 2035? Prudential provides the answers here.
- An
Alternative to an ILIT - Life Insurance in a Partnership:
A discussion of using the family limited partnership (FLP)
to own a policy on the estate owner and his/her spouse for
estate liquidity needs.
- How
To Get A Policy Out of an Irrevocable Trust:
Clients who have an existing irrevocable life insurance
trust (ILIT) sometimes realize that the trust may have become
outdated or may no longer meet their needs. The client may
wish to change the beneficiaries, the trustee or other terms
of the trust. Learn how to rescue an irrevocable insurance
trust when the terms of the trust no longer meet the needs
of the grantor or the trust’s beneficiaries.
- The
Cross Endorsement Buy-Sell Arrangement:
Many closely held businesses do not make formal plans to
transition the business in the event of the premature death
of a business owner, the lifetime transfer or sale of the
business, or the retirement of one of they key business
owners. Lack of planning can cause a business to fail because
of the significant changes that are brought about due to
one or more of these triggering events. Here is a sales
strategy utilizing a cross endorsement buy-sell arrangement
funded with a permanent life insurance policy.
- New
ROP Term Life Insurance Marketing materials from Genworth!
These new materials show how life insurance protects more
than just the four walls of a home.
- Genworth's
TLC - A Smarter Way to Self Insure!
This new, true-to-life sales idea explains how Genworth's
Total Living Coverage universal life insurance with long
term care benefits can help clients use a portion of their
assets to plan more effectively for potential long term
care expenses.
- Putting
“Trust” in your Insurance Planning:
It can be said that estate planning involves giving what
you want, to whom you want, when you want. Once your clients
can answer those 3 questions, a trust funded with life insurance
may help them establish and carry out their intent.
- First
Colony's VantagePoint Term Life Insurance with Return of
Premium:
This product offers tax advantages that few people are aware
of. If policyowners keep their policy in force until the
end of the ROP term, they have essentially paid for their
life insurance coverage with untaxed values.
- Request
consumer brochures for Retirement Planning:
Ask us for Lincoln Benefit Life's consumer brochures for
Retirement Planning. Available brochures are:
Individual Retirement Account - A Smart Way to Save
Build Your IRA Savings
Keep Your Retirement Savings on Track
Moving Too Slowly toward Retirement
Floating Your Way to Retirement
- Waivers:
Which waiver is right: specified premium or monthly deduction?
Learn the differences and benefits of each to help you select
the one that best suits your clients' needs.
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