You have a base of Aflac policy holders. How do you maximize both your revenue and relationships with them? Other slideshows show WHY you should offer indexed universal life retirement products to your Aflac client base, this presentation suggests HOW to approach the subject with them.
How to approach existing colonial policyolders with a retirement optionMichael Grigsby
You have a base of Colonial policy holders. How do you maximize both your revenue and relationships with them? Other slideshows show WHY you should offer indexed universal life retirement products to your Colonial client base, this presentation suggests HOW to approach the subject with them.
FINANCIAL FREEDOM FOR FILIPINOS AND OFWSJon Hererra
Limtiless Coaches and Russ Juson discussed his life story and his advocacy for the Filipinos and Financial Freedom
https://www.facebook.com/jonherreralimitless/?fref=ts
https://www.facebook.com/LifeCoachRuss/?fref=ts
With the cost of living quickly surpassing the wages we make, necessary to maintain an “average” lifestyle, more and moreemployees are beginning to seriously consider the option of working from home.
Panzers Roadmap To Financial Freedom April 2009Panzer G
Road Map to financial freedom. 5 Step process involving:
1) Where are you now?
2) Where are you heading?
3) How do you get there?
4) How do you become better!
5) Why did you start this journey?
Be well and prosper!
Citi's Linda Descano and consumer advocate Elisabeth Leamy share advice for getting your personal finances in order.
Connect: Professional Women’s Network is online community with more than 440,000 members that discusses issues relevant to women and their success. The free LinkedIn group powered by Citi also features videos interviews with influential businesswomen, live Q&As with experts and slideshows with career advice. To learn more and join the conversation in the largest women's group on LinkedIn, visit http://www.linkedin.com/womenconnect.
How to approach existing colonial policyolders with a retirement optionMichael Grigsby
You have a base of Colonial policy holders. How do you maximize both your revenue and relationships with them? Other slideshows show WHY you should offer indexed universal life retirement products to your Colonial client base, this presentation suggests HOW to approach the subject with them.
FINANCIAL FREEDOM FOR FILIPINOS AND OFWSJon Hererra
Limtiless Coaches and Russ Juson discussed his life story and his advocacy for the Filipinos and Financial Freedom
https://www.facebook.com/jonherreralimitless/?fref=ts
https://www.facebook.com/LifeCoachRuss/?fref=ts
With the cost of living quickly surpassing the wages we make, necessary to maintain an “average” lifestyle, more and moreemployees are beginning to seriously consider the option of working from home.
Panzers Roadmap To Financial Freedom April 2009Panzer G
Road Map to financial freedom. 5 Step process involving:
1) Where are you now?
2) Where are you heading?
3) How do you get there?
4) How do you become better!
5) Why did you start this journey?
Be well and prosper!
Citi's Linda Descano and consumer advocate Elisabeth Leamy share advice for getting your personal finances in order.
Connect: Professional Women’s Network is online community with more than 440,000 members that discusses issues relevant to women and their success. The free LinkedIn group powered by Citi also features videos interviews with influential businesswomen, live Q&As with experts and slideshows with career advice. To learn more and join the conversation in the largest women's group on LinkedIn, visit http://www.linkedin.com/womenconnect.
Introducing the Idaho MSA & the Benefits for Individuals, Employer Groups & A...Adam Berry
This is the full 1 hour CE presentation given to the Treasure Valley Association of Health Underwriters on the Idaho MSA program in it's entirety. It covers how an Idaho Medical Savings Account benefits several different demographics and perspectives.
The first demographic addressed is the individual or the employee. This section simply covers, "What is the Idaho MSA?" How does it work? How much can you contribute? What can you spend the money on? Who can have one, etc.
The second demographic addressed is the employer group. This section answers the questions, "How would an employer implement this as a benefit structure for their employees?" What is the cost? Does it work with existing plans, or does it have to replace what is currently in place? Can it work with an FSA or HSA? How much does an employer have to contribute? Is it subject to ERISA? Are there comparability rules, etc.
The third and final section addresses the agent, CPA or financial planner and explains how offering this product to their individual clients and employer groups will grow their business. This section also covers the role American Health Value has in this process and with their clients throughout the time their Idaho Medical Savings Account is open.
Make Your Money Work Harder Than You Do Module 2 Floyd Saunders
The seminars are available to anyone including financial planners, and other professionals in the financial services industry who would like a set of the materials, participant's workbooks or the Family Financial Freedom book (discounts for volume purchases)You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.
A parent’s guide to providing children with the necessary basic financial skills as early as possible. It’s never too early to develop good saving and spending habits!
The up-and-coming Christmas and festive period is also known as the ‘aged care season’ where family gatherings often bring to light the changing needs of aging parents.
The SME Work-Life Program allows you to enjoy the business benefits of supporting and developing family friendly work practices.
The programs objective is to support and seamlessly transition people between their work life and home life.
Benefits for your business include;
- Employee Attraction & Retention
- Enhancing your standing as an employer of choice
- Engagement and Productivity
- Provide ongoing education and support to maximise work-life integration
- Reducing Absenteeism
- Flexibility and support that provides a lower work-life conflict
- Promoting diversity
- Promoting a corporate culture which embraces diversity and inclusiveness creating a sense of community support
- Supporting the Workplace Gender Equality Act (2012)
Final 2013 11 04 financial bootcamp for women the basicsTina Powell
Financial Bootcamp for Women - The Basics. A presentation geared to women beginning to take charge of their financial lives. Simple and easy-to-understand tips.
These tips will help you decide if starting a child care business is a good fit for you. Learn about tax savings opportunities, what you might need to get started and tools to get you there. Plus, gain some insight and see idea starters on things like marketing, promotion, market assessment, child care education, consideration for parents, nutrition for children and much more.
Beneplan - Benefits Law & Admin Workshop - December 1 2015 - Mississauga, Ont...Beneplan
This presentation reviews the following materials:
- How Canadian group health insurance is priced
- How benefits renewals are calculated
- The guidelines for clean plan administration in order to avoid lawsuits
- Benefits Law and Long Term Disability lawsuits against employers, how to avoid them
- Wellness in the workplace
- Personalized Prescribing Inc (P3) - personalized medicine and genetics in Canadian benefit plans
Entrepreneurship and solopreneurship requires some specific skills, called the Outer Game, in order to become profitable. This presentation walks you through the various steps you will need to master in order to make a profitable and rewarding business.
Patient Collections - Preparing Your Technology, Your Staff, and Your Financi...Kareo
The task of collecting patient responsibility balances consumes more time and resources than ever before, particularly for independent providers and their staff. Whether your practice handles collections in-house, outsources to a third party such as a billing service or collection agency, or uses a combination of those options, the level of success in collecting these balances depends on having a solid foundation built on some key fundamentals.
Most practices have a pretty good idea of what they should be doing, but figuring out where to start and what tools and training are needed can be a daunting task. Even when you have your plan put together, finding the time to execute can be difficult. As with most new habits, taking on the task in smaller manageable steps greatly improves your chances for success.
In this webinar, we will cover:
-Choosing the tools and technology needed for success
-Developing and maintaining a strong patient financial policy
-Preparing your team to become collections superstars
-Implementing best practices for pre-visit communication
-Establishing an on-going review process to maintain your gains
My life and career journey and workshop inspiring organisations to do things differently and better, as they strive to survive, build, grow and succeed
Overcoming the Barriers to Employment, EmployabilityThe Pathway Group
Overcoming the Barriers to Employment (Employability) will help you to understand the barriers that you or others may face when seeking employment. Seeking employment can be stressful and most people will react in different ways. The most important thing is to identify the issues in regards to employability and improve these areas to increase the chance of employabilty.
If you would like to find out more about our pre-employment training, employability training or apprenticeships and traineeships please call us on: 0121 707 0550 or e-mail: info@pathwaygroup.co.uk
Introducing the Idaho MSA & the Benefits for Individuals, Employer Groups & A...Adam Berry
This is the full 1 hour CE presentation given to the Treasure Valley Association of Health Underwriters on the Idaho MSA program in it's entirety. It covers how an Idaho Medical Savings Account benefits several different demographics and perspectives.
The first demographic addressed is the individual or the employee. This section simply covers, "What is the Idaho MSA?" How does it work? How much can you contribute? What can you spend the money on? Who can have one, etc.
The second demographic addressed is the employer group. This section answers the questions, "How would an employer implement this as a benefit structure for their employees?" What is the cost? Does it work with existing plans, or does it have to replace what is currently in place? Can it work with an FSA or HSA? How much does an employer have to contribute? Is it subject to ERISA? Are there comparability rules, etc.
The third and final section addresses the agent, CPA or financial planner and explains how offering this product to their individual clients and employer groups will grow their business. This section also covers the role American Health Value has in this process and with their clients throughout the time their Idaho Medical Savings Account is open.
Make Your Money Work Harder Than You Do Module 2 Floyd Saunders
The seminars are available to anyone including financial planners, and other professionals in the financial services industry who would like a set of the materials, participant's workbooks or the Family Financial Freedom book (discounts for volume purchases)You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.
A parent’s guide to providing children with the necessary basic financial skills as early as possible. It’s never too early to develop good saving and spending habits!
The up-and-coming Christmas and festive period is also known as the ‘aged care season’ where family gatherings often bring to light the changing needs of aging parents.
The SME Work-Life Program allows you to enjoy the business benefits of supporting and developing family friendly work practices.
The programs objective is to support and seamlessly transition people between their work life and home life.
Benefits for your business include;
- Employee Attraction & Retention
- Enhancing your standing as an employer of choice
- Engagement and Productivity
- Provide ongoing education and support to maximise work-life integration
- Reducing Absenteeism
- Flexibility and support that provides a lower work-life conflict
- Promoting diversity
- Promoting a corporate culture which embraces diversity and inclusiveness creating a sense of community support
- Supporting the Workplace Gender Equality Act (2012)
Final 2013 11 04 financial bootcamp for women the basicsTina Powell
Financial Bootcamp for Women - The Basics. A presentation geared to women beginning to take charge of their financial lives. Simple and easy-to-understand tips.
These tips will help you decide if starting a child care business is a good fit for you. Learn about tax savings opportunities, what you might need to get started and tools to get you there. Plus, gain some insight and see idea starters on things like marketing, promotion, market assessment, child care education, consideration for parents, nutrition for children and much more.
Beneplan - Benefits Law & Admin Workshop - December 1 2015 - Mississauga, Ont...Beneplan
This presentation reviews the following materials:
- How Canadian group health insurance is priced
- How benefits renewals are calculated
- The guidelines for clean plan administration in order to avoid lawsuits
- Benefits Law and Long Term Disability lawsuits against employers, how to avoid them
- Wellness in the workplace
- Personalized Prescribing Inc (P3) - personalized medicine and genetics in Canadian benefit plans
Entrepreneurship and solopreneurship requires some specific skills, called the Outer Game, in order to become profitable. This presentation walks you through the various steps you will need to master in order to make a profitable and rewarding business.
Patient Collections - Preparing Your Technology, Your Staff, and Your Financi...Kareo
The task of collecting patient responsibility balances consumes more time and resources than ever before, particularly for independent providers and their staff. Whether your practice handles collections in-house, outsources to a third party such as a billing service or collection agency, or uses a combination of those options, the level of success in collecting these balances depends on having a solid foundation built on some key fundamentals.
Most practices have a pretty good idea of what they should be doing, but figuring out where to start and what tools and training are needed can be a daunting task. Even when you have your plan put together, finding the time to execute can be difficult. As with most new habits, taking on the task in smaller manageable steps greatly improves your chances for success.
In this webinar, we will cover:
-Choosing the tools and technology needed for success
-Developing and maintaining a strong patient financial policy
-Preparing your team to become collections superstars
-Implementing best practices for pre-visit communication
-Establishing an on-going review process to maintain your gains
My life and career journey and workshop inspiring organisations to do things differently and better, as they strive to survive, build, grow and succeed
Overcoming the Barriers to Employment, EmployabilityThe Pathway Group
Overcoming the Barriers to Employment (Employability) will help you to understand the barriers that you or others may face when seeking employment. Seeking employment can be stressful and most people will react in different ways. The most important thing is to identify the issues in regards to employability and improve these areas to increase the chance of employabilty.
If you would like to find out more about our pre-employment training, employability training or apprenticeships and traineeships please call us on: 0121 707 0550 or e-mail: info@pathwaygroup.co.uk
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
NO1 Uk Divorce problem uk all amil baba in karachi,lahore,pakistan talaq ka m...Amil Baba Dawood bangali
Contact with Dawood Bhai Just call on +92322-6382012 and we'll help you. We'll solve all your problems within 12 to 24 hours and with 101% guarantee and with astrology systematic. If you want to take any personal or professional advice then also you can call us on +92322-6382012 , ONLINE LOVE PROBLEM & Other all types of Daily Life Problem's.Then CALL or WHATSAPP us on +92322-6382012 and Get all these problems solutions here by Amil Baba DAWOOD BANGALI
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NO1 Uk Rohani Baba In Karachi Bangali Baba Karachi Online Amil Baba WorldWide...Amil baba
Contact with Dawood Bhai Just call on +92322-6382012 and we'll help you. We'll solve all your problems within 12 to 24 hours and with 101% guarantee and with astrology systematic. If you want to take any personal or professional advice then also you can call us on +92322-6382012 , ONLINE LOVE PROBLEM & Other all types of Daily Life Problem's.Then CALL or WHATSAPP us on +92322-6382012 and Get all these problems solutions here by Amil Baba DAWOOD BANGALI
#vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore#blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #blackmagicforlove #blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #Amilbabainuk #amilbabainspain #amilbabaindubai #Amilbabainnorway #amilbabainkrachi #amilbabainlahore #amilbabaingujranwalan #amilbabainislamabad
Latino Buying Power - May 2024 Presentation for Latino CaucusDanay Escanaverino
Unlock the potential of Latino Buying Power with this in-depth SlideShare presentation. Explore how the Latino consumer market is transforming the American economy, driven by their significant buying power, entrepreneurial contributions, and growing influence across various sectors.
**Key Sections Covered:**
1. **Economic Impact:** Understand the profound economic impact of Latino consumers on the U.S. economy. Discover how their increasing purchasing power is fueling growth in key industries and contributing to national economic prosperity.
2. **Buying Power:** Dive into detailed analyses of Latino buying power, including its growth trends, key drivers, and projections for the future. Learn how this influential group’s spending habits are shaping market dynamics and creating opportunities for businesses.
3. **Entrepreneurial Contributions:** Explore the entrepreneurial spirit within the Latino community. Examine how Latino-owned businesses are thriving and contributing to job creation, innovation, and economic diversification.
4. **Workforce Statistics:** Gain insights into the role of Latino workers in the American labor market. Review statistics on employment rates, occupational distribution, and the economic contributions of Latino professionals across various industries.
5. **Media Consumption:** Understand the media consumption habits of Latino audiences. Discover their preferences for digital platforms, television, radio, and social media. Learn how these consumption patterns are influencing advertising strategies and media content.
6. **Education:** Examine the educational achievements and challenges within the Latino community. Review statistics on enrollment, graduation rates, and fields of study. Understand the implications of education on economic mobility and workforce readiness.
7. **Home Ownership:** Explore trends in Latino home ownership. Understand the factors driving home buying decisions, the challenges faced by Latino homeowners, and the impact of home ownership on community stability and economic growth.
This SlideShare provides valuable insights for marketers, business owners, policymakers, and anyone interested in the economic influence of the Latino community. By understanding the various facets of Latino buying power, you can effectively engage with this dynamic and growing market segment.
Equip yourself with the knowledge to leverage Latino buying power, tap into their entrepreneurial spirit, and connect with their unique cultural and consumer preferences. Drive your business success by embracing the economic potential of Latino consumers.
**Keywords:** Latino buying power, economic impact, entrepreneurial contributions, workforce statistics, media consumption, education, home ownership, Latino market, Hispanic buying power, Latino purchasing power.
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
how can I sell my pi coins for cash in a pi APPDOT TECH
You can't sell your pi coins in the pi network app. because it is not listed yet on any exchange.
The only way you can sell is by trading your pi coins with an investor (a person looking forward to hold massive amounts of pi coins before mainnet launch) .
You don't need to meet the investor directly all the trades are done with a pi vendor/merchant (a person that buys the pi coins from miners and resell it to investors)
I Will leave The telegram contact of my personal pi vendor, if you are finding a legitimate one.
@Pi_vendor_247
#pi network
#pi coins
#money
The new type of smart, sustainable entrepreneurship and the next day | Europe...
How to approach existing Aflac policyolders with a retirement option
1.
2. MONETIZING YOUR CLIENT BASE:
THE APPROACH
With Michael Grigsby,
Freedom Equity Group, Retirement Evangelist,
Voluntary Producer Relations Specialist
Contact Mike Grigsby (541) 610-6375, or
mike.grigsby.feg@gmail.com.
3. RECAP: VALUE OF ADDING RETIREMENT TO
YOUR OFFERING
Let’s review why you want to add retirement to your voluntary
offering:
• Adds money to your pocket right now, using your existing client base of
policy holders
• It is YOUR client relationship
• Retirement is as valuable a conversation as protecting their income
• You can add a half million dollars to your income, this year!
• Your client relationship will be stronger, even with those who were not
interested in, or able to buy your voluntary product.
• It adds to your credibility as a financial coach.
• It allows you to provide high life limits and a broader range of services.
• Your clients will appreciate you.
4. HOW TO MINE YOUR DATABASE
Numerous approaches are available when finding new prospects
from your existing client base:
•
•
•
•
•
•
Open Enrollment
Lunch and Learns
Direct marketing / calls
Appreciation nights
Breakfast drop by’s
New family / baby faire’s
5.
6. WHY YOU SHOULD APPROACH THE EMPLOYER
•
You want to keep the employer in the loop
• They are first and foremost, the employer’s employee’s.
• You may have resistance if another qualified plan is in place.
•
You want to sell the employer first
• You may have resistance if the employer is uneducated about
IULs, and may lump them with other UL’s without the same
performance.
• You want to pre-empt the sabotage attempts of the employer’s
qualfied plan financial friends. (arm the employer first)
• If possible, sell the employer first – make her the first sale.
7. SELLING THE EMPLOYER
•
Show the employer how the IUL and term policies fit into their existing
offerings
• How much time does he/she’s employees worry and futz with their
retirement?
• How many employees don’t have retirement?
• Are his employees jumping around jobs because they don’t care, or do
they care because they now have a mission to fund their retirement?
• There is a lot of “stuff” being peddled at open enrollment.
• Get the employer to buy-into the fact better employees result from a
workforce with an eye on the future, and not today’s paycheck.
• You must not let the water get muddied at OE by products that don’t:
• Protect the employees health and income now.
• Keep the employee focused on their future, now.
• Everything else is extemporary.
8. WHY DO EMPLOYERS HAVE HEALTH AND
RETIREMENT BENEFITS?
•
They are key to keeping employees happy.
•
They keep employees focused on their job
•
They keep employees connected and appreciative of their employers
efforts
•
They keep employees focused on a long range plan to solid finances
and retirement
•
They emphasize the long term value of a lifetime commitment from the
employee, and the employer.
•
It is the right thing to do.
9. WHERE DOES RETIREMENT FIT IN?
Where does retirement planning fit into the health and life programs of the
company? The employer may not know it, so you must tell them, or
show them, and talk about how these five areas put employees minds at
rest.
Income
Replacement
(Aflac)
Catastrophic
Illness
(Aflac/FEG)
Wealth
Building
(FEG)
• Illness
• Injury
• Major illness
• From generation
to generation
Wealth
Retention
(Aflac)
Retirement
Income
(FEG)
• Illness
• Injury
• Retirement
• Only tax free
instrument
10.
11. OPEN ENROLLMENT
Key points for a group open enrollment
• Put retirement in the context of protecting your income:
• Your voluntary programs protect you now, retirement is to protect you later
• You must start saving now, or become a statistic
• If you are using only qualified plans (401k, IRAs, Roth IRA, Mutual Funds)
you must start putting money into the only tax-free retirement tool.
• Spending 20 to 30 minutes with me now, will help your family stay out of
financial harm’s way, now (when 72% of bankruptcy’s are from medical
problems before you retire), and 80% of U.S. Families have less than $25k
for retirement.
• The ideal ages for retirement planning is 25 to 40, but you need to start now.
• If you have a child or grandchild, I can show you our million dollar baby
strategy that could ensure he or she is a millionaire at retirement.
• Don’t wait to put off your retirement planning, or paycheck protection.
12.
13. LUNCH AND LEARNS
Holding a free lunch and learn can generate lots of interest:
• In a 50 person company, 30% of the employees show up, you inform 15
Ees, you probably get to further talk with 10 ee’s, and sign up 7 to 10 at an
average of $3k each, or $21,000 to $30,000 in new revenue for you.
• Talk about the need to start acting on retirement now.
• Talk about problems with 401k’s, IRA’s, mutual funds, and other qualified
accounts. How does an IUL product compare?
• Congratulate those who have a qualified plan, but encourage them to
compare and do more.
• Urge those who haven’t taken steps to retirement to start now.
• Don’t push product from you. Leave them knowing they can call you to
discuss their options, and you are glad to help, but don’t sell them directly.
14.
15. DIRECT MARKETING: MINE YOUR DATABASE
Start mining your client base (policy holders):
•
•
•
•
•
•
•
•
•
Who has a new child?
Who is between 25 and 45 years old
Who is 45 to 55 years old (different strategies)
Who already has an old fashioned life policy from you they can apply
premium toward an IUL?
Who are the higher paying managers?
Start with business owners, and don’t forget about them.
Find out who participates in 401k.
Start making inquiries with all voluntary participants about retirement and
how they envision getting there. “Would you like some ideas?”
Direct mail, e-mail, or call policy holders, offering a free illustration and
discussion.
16.
17. OPEN HOUSE / APPRECIATION NIGHTS
Invite policyholders to your open house, or appreciation nights
• In the middle, be your own expert on IUL’s and retirement
• Invite other guests in to speak on their topics
• Taking care of aging parents
• Planning ahead for kids college
• A financial, economic, or political futurist
• A tax advisor about starting your own business, or deductions for family
expenses
• Have materials available for guests to take home. Better yet, a bling bag with
materials and goodies for every guest.
18.
19. BREAKFASTS/BRUNCHES/SOCIALIZERS
Invite policyholders to a morning breakfast, early brunch, or after
work socializer.
•
•
•
•
Invite spouses.
Speak about what your goals are for working with them
Talk about adding retirement products to your business
Invite other guests in to speak on their topics
• Taking care of aging parents
• Planning ahead for kids college
• A financial, economic, or political futurist
• A tax advisor about starting your own business, or deductions for family
expenses
• Have materials available for guests to take home. Better yet, a bling bag with
materials and goodies for every guest.
20.
21. BABY FAIRES
Invite new parents from your client base to a baby faire. An event at
your office, or a conference space… even a baby store.
• Invite spouses and grand parents
• Explain the million dollar baby plan, and be specific with next steps.
• Have a sign up sheet for an appointment if interested in learning more
• Invite other guests in to speak on their topics
• Planning ahead for kids college
• A financial, economic, or political futurist
• A tax advisor about starting your own business, or deductions for family
expenses
• Have materials available for guests to take home. Work with a partner-baby
store to help with filling a bling bag with materials and goodies for every
parent.
22. NEED IDEAS OR HELP?
Contact Mike Grigsby (541) 610-6375, or
mike.grigsby.feg@gmail.com.
My job is to be your spiritual and training guide
through adding FEG to your Aflac business.
Contact me if you are not already adding FEG IUL
retirement products to your product offering.