SALES IDEAS:

• September is Life Insurance Awareness Month!
  Get resources at the LIAM producer toolkit!



• NEW From Lump Sum to Income (article) (September 2010)
  This article shows how you can create a better retirement for your clients by helping them adopt an “income” mindset.



• NEW How Hassle Free is Your GMWB? (presentation) (September 2010)



• NEW TransSecurity consumer video (presentation) (September 2010)
  This 2 ½ minute video offers potential clients a quick, compelling introduction to TransSecurity; a solution for your clients who want to provide loved ones with opportunities that may otherwise be lost due to difficult economic conditions.



• NEW Life Insurance Awareness Month (presentation) (September 2010)



• NEW Term Life Training (website) (September 2010)
  Get instant product training at www.termlifetraining.com. This special website offers underwriting guidelines, state availability, product highlight sheets, marketing information and more. No login is required.



• NEW Sales Concept Flyer (fillable flyer) (September 2010)
  Help your clients find a way to protect their family from paying estate settlement costs.



• NEW Compliment your white collar clients policy with a Critical Illness rider (September 2010)



• Leveraging small cash values (presentation) (September 2010)
  See the printable sales concept.



• Federal Transfer Tax Chaos of 2010 – Part III (September 2010)



• Help estate owners who are hesitant to transfer assets to a trust (September 2010)



• Get ready for Life Insurance Awareness Month (presentation) (September 2010)



• You can help your LTC clients & underwriting by initiating the Personal Health Interview (September 2010)



• Keep your DI clients financial plan ticking (fillable flyer) (September 2010)



• Making Sure You Get the Sale (article) (August 2010)



• Do you have clients who hate to stay out of the market, but are scared to get back in?
  Present them with the benefits of an index annuity! (August 2010)



• 5 Key reasons to sell Custom Guarantee (August 2010)
  See the Custom Guarantee Marketing Guide for complete product details.



• A look at Retirement Supplement – allowing a cushion for future funding (August 2010)



• What is the market for ROPTerm? (August 2010)



• Explore ways to build a retirement nest egg with annuities and income riders (August 2010)



• Step-by-step guide to multi-life marketing (August 2010)



• Premium Financing – a strategy for your high net worth clients (August 2010)
  
• Buy-Sell Planning Using Life Insurance (August 2010)
  Business owners are often so busy with day to day business operations that they may forget to adopt a plan to protect the value of their business interest when they or another owner leaves. Because every business owner will leave his/her business someday, buy-sell planning (usually with life insurance funding) is an important part of protecting business value. Different life insurance-funded buy-sell strategies can be used depending on a business legal structure and the objectives of the owners.
  - Wait-and-See Purchase Arrangements
  - Entity Purchase Arrangements
  - No-Sell Buy-Sell Arrangements
  - Cross Purchase Arrangements
  - Trusteed Cross Purchase Arrangements
  - Buy-Sell Arrangements Using a General Partnership



• Are your clients worried about outliving their income?(August 2010)
  American Nationals Paladium single premium immediate annuity provides the security of immediate income (which can last as long as your client needs it – 10-, 20-years or even life) and also has a liquidity option to offer partial withdrawals or a surrender of the remaining proceeds. A cost of living adjustment is also available. Click here for complete information, concepts and quotes. Click here for the printable brochure.
  
• LTC Sales Concept – “The Multi-Life Approach” (August 2010)



• Increase term sales with TOP 15 & 25 accelerated underwriting (presentation) (August 2010)



• Meet David. Do you have clients with this story? (August 2010)



• Term Conversion Program (August 2010)



• Term Exchange Program (August 2010)



• How to ask the tough questions (August 2010)
  
• Global Multi-Index IUL Policy May Ease Volatility, Improve Income Potential (article) (August 2010)



• 3 Steps to Closing the Underinsured Gap (August 2010)



• Why People Don’t Buy Insurance (article) (August 2010)



• Help Find Life Insurance Sales – Top 6 questions to ask yourself (August 2010)



• Estate Planning for non-U.S. citizens (flowchart) (August 2010)



• Advanced Sales Concept (fillable sales flyer) (August 2010)
  What’s the best way for your client to transfer a business to their child?



• DI Sales Concept (August 2010)
  Use a combination of elimination periods to meet your gray collar clients needs.
  
• Life Insurance for children (article) (August 2010)



• LifeCare – Who are the prospects? (August 2010)
  LifeCare is a single premium whole life insurance policy with long term care benefits. See how to identify key markets to help you sell this product.



• Why make the shift to Legacy Planning? (producer guide) (August 2010)



• Inform your clients of the “Cost of Waiting” (August 2010)



• Step-by-step guide to UL sales (presentation) (August 2010)



• Advanced Sales Idea (August 2010)
  Providing cash value from a life insurance policy as part of the purchase price for a family business exit plan.
  
• What do clients really want from you? (article) (July 2010)



• Simplified Issue marketing opportunity (July 2010)



• IUL-Global – “How to Access your Policy’s Cash Value” (sales flyer) (July 2010)



• IUL-Global – "The versatility of the Waiver of Surrender Charge Rider” (sales flyer)
(July 2010)


• Using Life Insurance as an Asset in Qualified Retirement Plans
(July 2010)


• LTC Sales Concept – “The Long Term Care Selector Approach” (presentation and materials)
(July 2010)


• Help build, preserve and allocate your clients estate with Survivorship GIUL
(July 2010)


• TransSecurity Worksheet Helps Consumers Paint a Brighter Future (July 2010)
  In May, a CBS News poll revealed that 50% of Americans expect the future to be worse for the next generation. The TransSecurity Solution can help consumers paint a brighter future for their loved ones. The new TransSecurity Consumer Guide and Worksheet shows them how.



• Term for Our Times (presentation) (July 2010)
  Family structures and economic pressures are rapidly growing in complexity. Listen to how Transamerica's term is positioned to help you address challenges, unique to today's environment, while increasing term sales.



• DI Sales Solution (July 2010)
  Check out why a short-term DI product can exceed your blue collar client's expectations with a no-cost Worker's Compensation benefit included in the policy.
  
• The Biggest Job in Business Today – Turning the Tide in Your Favor (article) (July 2010)



• “I’ve Got a Client” Solution (July 2010)
  Do you have a client who wants to provide a source of income for his wife until Social Security survivor benefits begin? We have the solution!



• 60-Second Sales Idea – Keep Clients for Life (July 2010)



• Flexible Planning for an Unknown Tax Future (July 2010)



• The Deferral Alternative Bonus Plan (July 2010)



• Help your clients leave a legacy (July 2010)



• A closer look at the Pension Maximization sales concept (July 2010)



• Get more clients and sales with Express products (July 2010)



• Sales tip - Don’t Forget the Family (July 2010)



• Sales tip – Ensure your clients legacy passes intact to their heirs (July 2010)



• DI sales solution – Leave no stone unturned (July 2010)
  
• MDRT Minute: Seven decisions to help you on your road to success (July 2010)



• How will your LTC client be rated? (July 2010)
  Is American General LTC an option for clients with some medical history? YES! Check out this underwriting case study designed to give you a better feel for American General’s LTC underwriting philosophy.



• Increase your clients changes of hitting the cap! (July 2010)



• LTC sales tip – Become an underwriting detective! (July 2010)



• Builder IUL - help your clients take the retirement plunge! (July 2010)



• Connecting with Women and Couples (video) (June 2010)
  This value-added program can help you to better deal with your clients at the point of sale.



• Start selling IUL-Global Executive Bonus Arrangement (June 2010)



• Business Planning – Who would take over your clients business if the owner passed away? (June 2010)



• Guide to building a successful referral plan (June 2010)



• Closing the Insurance Coverage Gap for Women (June 2010)
  
• Guide to identifying potential MoneyGuard Reserve clients (June 2010)



• Provide your clients with death benefit protection while helping boost their monthly income (June 2010)



• When should you always sell Pru? (June 2010)



• How to Sell UL with the Income Protection Option (June 2010)



• How to overcome common LTCi objections (June 2010)



• Tools to help you tap into the Key Employee Life Insurance market (June 2010)
  Key Employee prospecting letter. Key Employee highlight sheet.



• Building Business with Life Insurance (website) (June 2010)
  
• Estate Planning for Unmarried Couples (article) (June 2010)



• How to QUICKLY double your response rates (article) (June 2010)



• Selling the cost of Long Term Care insurance (article) (June 2010)



• How Whole Life insurance can save Social Security (article) (June 2010)



• The WOW Factor: Creating experiences your clients won’t forget (article) (June 2010)



• ROP Select-a-Term – are the higher premiums worth it? (June 2010)



• 6 EASY steps to giving your retired clients a raise! (June 2010)



• Helping clients use an HSA to pay for Long Term Care (June 2010)



• Powerful step-by-step guide to Universal Life sales (presentation) (June 2010)



• Affordable guaranteed coverage for the duration clients need it (June 2010)
  
• Start selling IUL-Global – Premium Financing (June 2010)



• Start selling IUL-Global – Premium Financing Flexibility (June 2010)



• Top 10 Reasons to Use Premium Finance with ING IUL-Global (June 2010)



• Do your prospects have questions about LTC? Go to longtermanswers.com! (June 2010)
  
• A selling opportunity for Custom Guarantee UL (June 2010)



• Help your clients avoid costly surrender charges (June 2010)



• Build up your DI business using the new DI fact finder (June 2010)
  
• Help your clients rebound and build their retirement income (presentation & website)
(May 2010)


• LTCi – Making the Most of a Great Opportunity (article) (May 2010)
  See why one agent believes LTCi is an opportunity that's only going to get better.



• 20 Customer Care Actions That Build Sales (article) (May 2010)



• Do you have a client who needs to lock in lifetime guaranteed death protection? (May 2010)



• Income Edge Annuity case - do you have clients with a similar story? (May 2010)



• The New Reality for LTC Insurance (May 2010)



• Retirement Supplement sales – are you selling the death benefit coverage short? (May 2010)



• Brighten your prospects with this new consumer flyer (May 2010)
  TransSecurity offers consumers guarantees and more control when it comes to planning for the future. This comprehensive flyer helps clients understand how it can help secure their legacy.



• Retirement Income Risk Consumer Brochure (May 2010)
  This brochure outlines five risks your clients will face in retirement: longevity, inflation, asset allocation, withdrawal and healthcare. This brochure can be used as a leave-behind at a client meeting.



• How to get people talking about LTCi (May 2010)



• LTC Sales Tip – Don’t Forget the Family (May 2010)



• Place more of your rated cases at standard rates (May 2010)
  
• Do you have a client who needs long-term guaranteed death protection for family needs at a cost that fits his budget? (May 2010)



• Accelerate your sales – 2 great life sales ideas for juveniles (May 2010)



• Bridging the Retirement Gap (May 2010)
  
• A life insurance solution to generate new revenue (May 2010)



• Are fixed index annuities being portrayed unfairly? (May 2010)



• ContinUL – Flexible. Guaranteed. Low Cost. (presentation) (May 2010)



• MDRT Minute – Financial To Do List (May 2010)



• Family Care II – a flexible LTC solution for couples and families (May 2010)



• Premium Finance FAQ’s (May 2010)



• Providing for Estate Settlement Costs (May 2010)



• Your Choice for Long Term Care (website) (May 2010)