Be More Successful in LTCi - Paradigm Change
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1) The long-term care insurance industry has seen changes like higher premiums due to factors like people living longer. This document recommends a paradigm shift to focus on more affordable policies. 2) It suggests starting quotes for lower daily benefits and shorter benefit periods to avoid "sticker shock" and keep clients engaged. Building up coverage gradually can establish affordability. 3) Offering what most people buy rather than just high-end plans, and focusing on total insured pool of money rather than just premiums can improve sales.
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This document provides information about NDK Insurance Agents, including what they do, their mission, vision, and the companies they represent. They specialize in various types of retirement planning, insurance, and asset protection for individuals, families, and businesses. Their goal is to actualize clients' dreams through cutting-edge financial solutions and become the premier financial solutions provider across the nation. The document also discusses various financial planning strategies and concepts around investing, taxes, and building wealth over time through compound interest.
Create Your Success
The document provides an overview of World Financial Group (WFG), a financial services company that helps people create success through a business opportunity providing financial products and services. WFG believes in helping middle-income individuals and families achieve financial security and independence through education, proper protection, debt management, and wealth building strategies. The presentation outlines WFG's business platform, compensation structure, and values to introduce potential associates to the opportunity of joining WFG either part-time or full-time.
Create Your Success
This document provides an overview of World Financial Group (WFG), including their goals, business model, and solutions. Some key points:
- WFG aims to help people better manage their money through financial education and creating generations of financially secure families.
- Their business model focuses on the underserved middle market through a proven platform and coaching associates to build strong businesses.
- They conduct a needs analysis to help clients establish goals and strategies using solutions like term life insurance, annuities, and retirement/college savings plans.
Create Your Success
This document provides an overview of World Financial Group (WFG), including their goals, business model, and solutions. Some key points:
- WFG aims to help individuals and families achieve financial security and create a legacy through education and solutions like insurance, annuities, and retirement planning.
- Their business model involves associates conducting a financial needs analysis and presenting customized recommendations to help clients meet their goals.
- They believe many middle-income families lack proper protection or savings strategies and would benefit from guidance on concepts like managing risk and taxes effectively.
- WFG offers solutions like term life insurance, universal life insurance, fixed annuities, and IRAs to help clients save, protect assets,
2585_10.14 Create Your Success US BPM_DIGITAL
WFG provides an overview of their company beliefs and business model. They believe there is a need for financial education and guidance for middle-income individuals. WFG's business platform rewards both personal production and leadership development. Associates can earn income through personal sales, overrides on sales by those they recruit, and promotions. The presentation provides examples of earning potential at different levels. WFG emphasizes core values like integrity, family, and positivity. It encourages attendees to consider if the business could benefit them financially and if they are intrigued by the opportunity.
Iul workshop 10102013
The document discusses the changing financial landscape and opportunities with life insurance. It notes that fees can significantly reduce retirement savings over time. Life insurance is positioned as a better alternative due to lower fees, tax advantages, living benefits and ability to access funds penalty-free. The document argues that with the right strategy, life insurance can provide greater returns and income than other options like 401ks. It also discusses opportunities for referral agents.
EVERYTHING SOLUTION Brochure 1800
The document describes an "Everything Solution" product that provides safety, liquidity, yield, growth, death benefits, and long-term care benefits. It is structured as an indexed universal life insurance policy that allows deposits between $100,000-$1,000,000. Account value grows based on S&P 500 index returns up to a cap, and is protected from losses by a floor. Policyholders can withdraw funds penalty-free and interest grows tax-deferred. Upon death, beneficiaries receive proceeds income tax-free. It also allows accelerating some death benefits tax-free for long-term care costs. Case studies show how the product provides growth, income, liquidity, and long-term care benefits for different
Non-Qualified, Deferred Compensation with AXA Equitable
BrightLife Grow is a life insurance product that provides wealth accumulation, retirement income, and downside protection. It offers tax-deferred growth, access to indexed accounts with potential upside but protected from downside losses, and the ability to take tax-free loans or withdrawals. The product is designed to be efficient with lower costs than competitors, reliable with its 0% floor protecting against market losses, and flexible to allow customization and adapt to changing needs over time. It can be a way to supplement retirement savings like 401ks and IRAs by providing another source of tax-advantaged funds.
Which Is Best-Combo-Hybrid Or Traditional LTCI_Hogan_0316
This document discusses the pros and cons of traditional long-term care insurance versus asset-based long-term care/life insurance. It argues that agents should recommend both options to clients rather than claiming one is definitively better, in order to make the most sales. While asset-based plans seem superior on paper, traditional plans plus a separate life insurance policy provide better benefits. The document levels the comparison between the options and notes that the best choice depends on individual client circumstances and goals. Agents are advised to understand both products well so they can recommend the optimal solution for each client.
What is your retirement GAP?
The document discusses various risks to consider for retirement planning such as longevity risk, inflation risk, and investment risk. It introduces variable annuities as a potential solution to help mitigate these risks by providing guaranteed lifetime income, protection against market downturns, and upside potential from stock market investments. Variable annuities can help secure retirement income through features such as living benefits and death benefits. Working with a financial advisor can help assess if a variable annuity is a suitable strategy for individual retirement goals and risk tolerance.
The insurance teacher sales presentation
Kim Hastings started an insurance and financial services agency in Cypress, Texas after retiring from her career as a librarian. With her experience as an educator, she focuses on delivering advice rather than high pressure sales. She takes the time to explain insurance options to clients and ensure they have the right coverage and discounts. Insurance can be a large household expense, so Kim helps clients get the best value.
Key Principles
The document provides an overview of core financial concepts for charting one's financial future, including building wealth, proper protection, debt management, emergency savings, cash flow management, and preserving wealth. It discusses strategies for retirement planning like the 3-legged stool model of pensions, Social Security, and personal savings. It also explains concepts like the Rule of 72 for calculating investment growth and outlines options for working with the company, including becoming a client or pursuing a part-time or full-time career.
Key Principles Infographic
The document provides an overview of core financial concepts for charting one's financial future, including building wealth, proper protection, debt management, emergency savings, cash flow management, and preserving wealth. It discusses strategies for retirement planning like the traditional three-legged stool model of pensions, Social Security, and personal savings being replaced by personal responsibility. Examples show how investment returns and starting early can significantly impact savings outcomes over time. The importance of protecting against losses through diversification is also covered. The document is produced by World Financial Group to help clients, potential clients, and associates understand fundamental financial principles.
Transamerica Retirement Income Plus Brochure
This document describes the Transamerica Retirement Income Plus variable annuity. It offers lifetime withdrawals with rates between 4-6.5% depending on age. The annuity simplifies retirement planning by reducing choices to investment selection and contribution amount. It aims to grow and protect retirement income through features like annual compounding when withdrawals are not taken. The annuity addresses challenges retirees face like rising lifespans, declining pensions, and low interest rates.
VF-RecruitingBrochure-v2.0
Virtual Financial is committed to helping families achieve financial security and independence through disciplined money management. They offer a variety of insurance and investment products tailored to individual family needs, including blending term life insurance and indexed universal life insurance. This strategy provides death benefits, market protection of account values, tax advantages, and living benefits to protect families from critical illnesses. Virtual Financial also provides business opportunities for associates to build strong virtual businesses and earn commissions by helping clients achieve their financial goals from home.
Virtual Financial ! Powerful Business Finance
Virtual Financial Group is most powerful virtual business & success system ever seen in the history of financial services. Mike Hinsvark & Chris Delfino are CEO & Founder of Virtual Financial Group (VFG), San Diego, CA. Virtual Financial Group Reviews are excellent in ratings for performance in Virtual Financial Services.
Virtual-Financial-Recruiting-Brochure
Virtual Financial is committed to helping families achieve financial security and independence through disciplined money management and successful careers. They offer personalized financial planning services and access to insurance and investment products. Their goal is to educate families on financial literacy and provide solutions to issues like debt, lack of savings, and financial stress. Virtual Financial also aims to help associates build successful virtual businesses through training, marketing support, and a commission structure that pays twice weekly.
Virtual Financial - Your Guide to Your Future
Virtual Financial is committed to helping families achieve financial security and live the lifestyle they desire through disciplined money management and a successful career. They offer financial products and services to help families save, protect assets, and plan for the future. Their business model allows associates to build a virtual business from home providing financial solutions and a strong income. They aim to educate families and help them overcome financial challenges through personalized planning and a blend of insurance and investment products.
Ca premier introduction
The Benefit Corner aims to redefine the insurance industry by changing how people buy insurance. It provides a "one stop shop" for all insurance needs in an easy, efficient manner. Many current clients have high deductible health plans and lack sufficient protection. The Benefit Corner's CA Premier policy bundles critical illness, accident, life, and disability insurances to help cover out-of-pocket medical costs from injuries or illnesses. The agency focuses on clients with ACA, non-ACA, or no group health insurance who need additional protection and financial planning assistance. Sample call scripts educate potential clients on the CA Premier policy benefits and ease of enrollment.
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