I recently returned from the MDRT meeting in Vancouver BC, many of the "big hitters" are using the "Living Benefit" policies because of the "added value" they bring to the client along with "something new and different" to the insurance discussion ( i.e. do you have the "old" insurance or the "new" insurance? etc.) They also mentioned the statistic that 80% of the people will have a Heart, Stroke, or Cancer concerns ( Critical Illness) in their lifetime.
I recently returned from the MDRT meeting in Vancouver BC, many of the "big hitters" are using the "Living Benefit" policies because of the "added value" they bring to the client along with "something new and different" to the insurance discussion ( i.e. do you have the "old" insurance or the "new" insurance? etc.) They also mentioned the statistic that 80% of the people will have a Heart, Stroke, or Cancer concerns ( Critical Illness) in their lifetime.
I recently returned from the MDRT meeting in Vancouver BC, many of the "big hitters" are using the "Living Benefit" policies because of the "added value" they bring to the client along with "something new and different" to the insurance discussion ( i.e. do you have the "old" insurance or the "new" insurance? etc.) They also mentioned the statistic that 80% of the people will have a Heart, Stroke, or Cancer concerns ( Critical Illness) in their lifetime.
I recently returned from the MDRT meeting in Vancouver BC, many of the "big hitters" are using the "Living Benefit" policies because of the "added value" they bring to the client along with "something new and different" to the insurance discussion ( i.e. do you have the "old" insurance or the "new" insurance? etc.) They also mentioned the statistic that 80% of the people will have a Heart, Stroke, or Cancer concerns ( Critical Illness) in their lifetime.
Income Protection Insurance comparisons from Income Protection Direct. Best quotes on Income Protection Insurance Australia wide & save 20%.Vist Us www.incomeprotectiondirect.com.au/
Planning for the old age when the ability to earn diminishes while the expenses to live a dignified and healthy life start rising is of utmost importance.
Kanoe India Healthcare, A division Of Kanoe Softwares proposes a special Medical insurance plan sponsored by Universal Sompo General insurance Co. Limited in joint venture with Allahabad Bank Limited, Indian Overseas Bank, Karnataka Bank Limited, Dabur Investments Corp and Sompo Japan Insurance Incorporation in Public Private Partnership (PPP), aiming to provide assurance of Government/Public sector and superb, hassle free service from private bodies.
In this presentation I discuss the best types of insurance for business owners. Our firm provides all of these services and more. Audio will soon be added.
Insuring yourself against the risk of incurring medical expenses is important. However, before choosing the health insurance policy, it is important to know more about the different health insurance plans. This SlideShare provides more information about medical insurance and its benefits. http://bit.ly/1pHFP90
Book marketing The New Rules of Retirement SavingsBryan Daly
Take the 100 book challenge and make $100,000 in the next 12 months. Earn the ring and Equity Share!!!!
Can you create financial freedom in the next 12 months?
Japan- world’s 3rd largest economy
The US Economy is going through many similar events
The Nikkei 225 Index Japan’s Stock Market
is Still down 72%... 20 years later
What Happens in a 20 year “BEAR” market?
Imagine if you still had every penny of gains you’d received on your investments!
Income Protection Insurance comparisons from Income Protection Direct. Best quotes on Income Protection Insurance Australia wide & save 20%.Vist Us www.incomeprotectiondirect.com.au/
Planning for the old age when the ability to earn diminishes while the expenses to live a dignified and healthy life start rising is of utmost importance.
Kanoe India Healthcare, A division Of Kanoe Softwares proposes a special Medical insurance plan sponsored by Universal Sompo General insurance Co. Limited in joint venture with Allahabad Bank Limited, Indian Overseas Bank, Karnataka Bank Limited, Dabur Investments Corp and Sompo Japan Insurance Incorporation in Public Private Partnership (PPP), aiming to provide assurance of Government/Public sector and superb, hassle free service from private bodies.
In this presentation I discuss the best types of insurance for business owners. Our firm provides all of these services and more. Audio will soon be added.
Insuring yourself against the risk of incurring medical expenses is important. However, before choosing the health insurance policy, it is important to know more about the different health insurance plans. This SlideShare provides more information about medical insurance and its benefits. http://bit.ly/1pHFP90
Book marketing The New Rules of Retirement SavingsBryan Daly
Take the 100 book challenge and make $100,000 in the next 12 months. Earn the ring and Equity Share!!!!
Can you create financial freedom in the next 12 months?
Japan- world’s 3rd largest economy
The US Economy is going through many similar events
The Nikkei 225 Index Japan’s Stock Market
is Still down 72%... 20 years later
What Happens in a 20 year “BEAR” market?
Imagine if you still had every penny of gains you’d received on your investments!
Advantages of Life Insurance
Patrick Kelly’s newest book, The Retirement Miracle, is another home run for those wanting to win the retirement game. This book clearly and simply shows you how to:
• Grow your money with zero market risk
• Access your retirement dollars tax-free
• Leave an income-tax-free inheritance to your heirs
System Builder- Bring Meeting to the PeopleBryan Daly
System Builder- Bring Meeting to the People
Contact many people and many times
One of the great secrets and our business is seeing people face-to-face.
You can contact people through e-mail, snail mail, or telephone. But the most successful way to contact people is by meeting with them personally.
Match-Up Power Principles
• Each new associate in the field within 24 to 48 hours with
an experienced trainer
• Helps retain your existing team by allowing them to make
money field training new associates
• Increases activity for the whole organization
• 50% of something is better than 100% of nothing
The following information is for TRAINING purposes ONLY.
The following information DOES NOT
Illustrate the actual performance that may be experienced by an individual investor.
The actual investment performance of any individual investment account
will be higher or lower than this illustration.
Your personal investment risk tolerance and all aspects of any investment, to include fees, should be carefully considered before making any actual investment.
The past performance of any investment is NO guarantee of future performance.
The Following Presentation is for training purposes ONLY and is not to be used with the General Public.
Use ONLY Client APPROVES Presentations With the General Public
Businesses are driven by Leaders who are the back bone of it. Sometimes a leader is lost into the harsh reality of the world. Keyman insurance is here to bridge the gap.
Keyman Insurance is a Key to securing companies future. Please get in touch with us in case you are interested to secure your company against any unforeseen events.
In every Organization there are a Few Key Persons who Run the Show.They are the Pillars of the company.
Any unfortunate event such as a Sudden Death of a Key Personnel may result in Temporary set back to the company.Every Organization requires Protection against Financial Loss such as liability, Recruitment Cost, Training Cost etc., if such event takes place.
Key man insurance is also known as Business Continuity Plan
New Insurance vs. Old Insurance? it may be time to ask that questionMatt Morrison
Guaranteed Benefit with an exit strategy, it is finally time to start thinking about yourself while still providing your loved ones with exactly what they will need
Aviva Health Secure is a health insurance plan that pays you a lump sum amount in case you are diagnosed with any critical illness and procedures as listed ahead.
Explore the ManipalCigna Lifestyle Protection - Critical Care Prospectus to understand the features and coverage options of the Critical Illness Insurance Policy. Choose between Basic and Enhanced plans offering coverage for a range of critical illnesses, including cancer, heart attack, stroke, organ failure, and more.
I recently returned from the MDRT meeting in Vancouver BC, many of the "big hitters" are using the "Living Benefit" policies because of the "added value" they bring to the client along with "something new and different" to the insurance discussion ( i.e. do you have the "old" insurance or the "new" insurance? etc.) They also mentioned the statistic that 80% of the people will have a Heart, Stroke, or Cancer concerns ( Critical Illness) in their lifetime.
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Apollo Munich introduces a first of its kind, unique Restore benefit that automatically reinstates the basic sum insured in case you exhaust it in a policy year.
Discover the comprehensive coverage and key features of ManipalCigna ProHealth Select. From basic to value-added and optional covers, ensure your health needs are met effectively.
This is the brief document about Birla Sun Life Group..which include almost all its insurance plans, and policies. This documents also help those students and people how are seeking to get to know about BSLI. I provide all the detailed history about birla group in this documents..:)
"I am not judged by the number of times I fail,
but by the number of times I succeed; and
the number of times I succeed is in direct proportion to the number of times I can fail and keep on trying."
Tom Hopkins
A man found a cocoon of a butterfly.One day a small opening appeared.
He sat and watched the butterfly for several hours as it struggled to squeeze its body through the tiny hole.
Compound Interest & Rule of 72
Biggest Wealth Killer
High Cost of Waiting
Unnecessary Transfers
Opportunity Costs
Be The Bank
Eleven Ways to “Find” the Money
The REAL Retirement Miracle
Completely align selling a product and closing a sale with a higher purpose. At the end of the day your true purpose will carry you through.
This is what separates the closers from the losers, and the big producer from the average producer. To continue to ask, persist, to figure out another way to circle back after being told no, reposition and ask again is ultimately what will make you a great closer.
The only way to wear out resistance is with persistence.
RUBY and VIC
Will Help You Make More Quality Sales and Build Quality Relationships
Want to make more sales?........ Call on RUBY and VIC.
RUBY and VIC aren't characters in a story.
Instead, they're an easy-to-remember system to keep your presentation on track and focused on the client.
Often, all you need is RUBY. But if you get through these four steps without completing the case, call in her buddy, VIC, to close the case.
The Power of One.... The 90 day challenge
Team Training
Power of One & One More
Recruiters Mindset….Building Your Business
TapRooting
Finding The Pony
Marketing vs Sales
How to get more increase your business 80X
Targeting Health Ins Agents
Million Dollar Idea!
The public tends to focus on the total national debt, which just passed the $17 trillion mark.
But that figure pales in comparison to the federal government’s long-term unfunded liabilities
—money the government is obligated to pay over and above the revenues it is estimated to receive.
According to the U.S. Debt Clock, total long-term unfunded liabilities are at $126 trillion, a $1.1 million liability for each U.S. taxpayer. The main driver of that astronomical number
is two of our major entitlement programs: Social Security and Medicare.
Understanding people simply involves recognizing people for what they are; not what you think they are, nor what you want them to be
People are 10,000 times more interested in themselves than you!!
How to create an endless supply of nice warm referrals and an endless supply of qualified appointments... You run the system and the system will run the business.
Money blunders of the otherwise intelligentBryan Daly
1) Rule #1 Don't lose money ...Avoid Mistakes 2) Rule #2 Don’t Forget Rule #1
The problem is you don't know what you don't know until you learn the hard way.
The financial products have gone through endless changes, adjustments or revisions and yet even with all these changes the delivery method has remained that of a transaction commission based strategy.
True independence for the Rep to select any insurance product or provider that is most appropriate for their client.
This is accomplished NOT WITH a Securities Brokers License(Broker/Dealer 6/7) but WITH a Series 65 RIA Registered Investment Advisor Fiduciary license.
SEVEN STRATEGIES TO ACHIEVING TRUE SUCCESS
1. The Paradox Principle of Sacrifice – The short term easy leads to the long term difficult while the short term difficult leads to the long term easy. Leverage long-term vision to endure short-term sacrifices.
2. The Buy-In Principle of Commitment – The more we have invested into something the less likely we are to let it fail. Increase your commitment by creating the question “how is this possible?” rather than relenting to the question “is it possible?”
3. The Magnification Principle of Focus – Focus is power. Spend time developing clarity about what you want most in life because the amount of our endurance is directly proportionate to the clarity of our vision.
4. The Creation Principle of Integrity – You think it, you speak it, you act, it happens.
Become relentless at creating congruence between your words and your actions.
5. The Harvest Principle of Schedule – Focused effort is amplified by appropriate timing and regimented routine. Let go of the myth of balance and start living your life by the law of seasons.
6. The Perspective Principle of Faith – Our ability to have peace is directly proportionate to the term of our perspective. Manage tragedy and setbacks by realizing that without the ability to see the entire future, we aren’t entitled to evaluate why things happen today.
7. The Pendulum Principle of Action – It doesn’t matter what we say we believe our real beliefs are revealed by how we act. Cultivate the habit of action by being relentless about making progress while at the same time completely freeing yourself of the demand for perfection
Finally, make permanent change by embracing:
The Rent Axiom - Success is never owned, it is only rented; and the rent is due every day. Know confidently that today is the hardest it will ever be and that one-day your appetites will change. One day you will crave the thing that was originally a sacrifice and what was once an indulgence you gave up later won’t even be a temptation.
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.
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 swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...beulahfernandes8
The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
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.
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
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
2. TOPICS
What are the ANICO Accelerated Benefit
Riders?
How Will These Living Benefits Work?
Case Studies
Benefits to Client
Underwriting Express
Conclusion
IMG8868
For Agent Use Only; Not for Use with the Public
3. Accelerated Benefit Riders
Life, When You Need It!
LIVING BENEFITS – more options for your clients
A new product advantage to offer your clients
Another way along with Underwriting Express to
differentiate our products in the field from the
competition
Another reason to buy a permanent life insurance
policy from ANICO
And best of all, NO ADDITIONAL PREMIUM for this
rider to the customer
IMG8868
For Agent Use Only; Not for Use with the Public
4. Accelerated Benefit Riders
Provides for the payment of an accelerated benefit!
Lump-Sum Payment / Not required to take in installments
Up to 16 qualifying Critical Illnesses* - More than the
competition!
Requires inability to perform only two of six daily living
activities to qualify for Chronic Illness
ANICO provides Living Benefits at NO additional
Premium!
*Critical Illness Rider not available in all states
IMG8868
For Agent Use Only; Not for Use with the Public
5. Accelerated Benefit Riders
Accelerated Benefit Riders are not Long Term Care
Insurance
Majority of Americans do not buy or cannot afford Long Term
Care Insurance
Cost of Long Term Care Insurance is very expensive and
may not be needed
Accelerated Benefit Riders may enable consumer with
qualifying condition to receive a discounted accelerated
benefit in lieu of the full death benefit for liquidity to cover
expenses of Terminal, Chronic and Critical Illness
No Additional Premium: Benefits When You Need Them!!
IMG8868
For Agent Use Only; Not for Use with the Public
6. Accelerated Benefit Riders
A study by Harvard conducted in 2007 and published in
The American Journal of Medicine* in 2009 found in a
survey of 2,314 Americans in Bankruptcy in 2007, that
62.1% were related to medical debts.
The ANICO Accelerated Benefit Riders provide a
discounted accelerated death benefit in the event of a
Qualified Terminal, Chronic or Critical Illness when it is
needed most.
*Volume 122, Issue 8, Pages 741-746, August 2009; Austin David Himmelstein
and Deborah Thorne, Elizabeth Warren and Stephie Woodhandler
IMG8868
For Agent Use Only; Not for Use with the Public
7. Accelerated Benefit Riders
ANICO Indexed Universal Life*
Affinity 7 Whole Life Insurance
ANICO Executive Universal Life
*The ANICO Indexed Universal Life Insurance policy is not a registered security or
stock market investment and does not directly participate in any stock or equity
investment or index. When an individual purchases the policy, the individual is not
buying an ownership interest in any stock or index
Form IUL08, Form IULU08, Form PWL-CSO, Form PWLU-CSO, Form EXEC-UL, Form EXEC-ULU
IMG8868
For Agent Use Only; Not for Use with the Public
8. Accelerated Benefit Riders
(Form ABR11-CH)
Insured
is unable to perform 2 of 6 activities of
daily living (ADLs) or requires supervision due
to severe cognitive impairment
The
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Activities of Daily Living are:
Bathing, continence, dressing, eating, toileting and
transferring
For Agent Use Only; Not for Use with the Public
9. Accelerated Benefit Riders
(Form ABR11-CT)
Triggered by a specific qualifying
health event where critical illness
transpires
Most of the competition only
covers 6 triggers
Covered Critical Illnesses may
include:
Heart Attack
Stroke
Invasive Cancer
End stage renal failure
Major organ transplant
ALS
Blindness
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Covered critical illnesses continued:
Paralysis
Arterial aneurysms
Central nervous system disease
Central nervous system tumors
AIDS
Major burns
Major Multi-system trauma
Severe disease of any organ
Loss of limbs
For Agent Use Only; Not for Use with the Public
10. Accelerated Benefit Rider
(Form ABR11-TM)
Life expectancy of less than 24* months
Some states may limit the definition of terminal illness to
conditions that are expected to result in death within 12
months
Available on all classes
Terminal Illnesses can cost an incredible amount of
money and cause stress and worry for those involved
Sometimes having money during life to meet health care
costs to make loved ones more comfortable or give
them hope is more important than having a death
benefit later
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For Agent Use Only; Not for Use with the Public
11. Accelerated Benefit Riders
Use of any Accelerated Benefit Rider will
terminate the life insurance policy unless the
benefit accelerated is under a spousal term or
other insured rider, in which case the rider will
terminate
– Partial Settlements Coming the first quarter of 2014.
For Chronic and Critical Illnesses, Accelerated
Benefit Rider is not allowed on policies rated
higher than table 4 or if there is a flat extra of
more than $5.00 per thousand.
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For Agent Use Only; Not for Use with the Public
12. Accelerated Benefit Riders
Minimum
$25,000 for Terminal Illness version
$50,000 for Chronic and Critical Illness version
Maximum
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$2,000,000 for ages 0-65
$1,000,000 for over age 65
For Agent Use Only; Not for Use with the Public
13. Accelerated Benefit Riders
Added
automatically to newly issued policies
Some
states may approve all riders; some states
such as New York may approve only Terminal
Illness Rider
check
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individual states for approval
For Agent Use Only; Not for Use with the Public
14. Accelerated Benefit Riders
Enhance attractiveness of our product in the
Buy/Sell Market
Using full funding, the base policy cash
value builds to assist Buyout at retirement
Accelerated Benefit Riders can be used as a
buy-out down payment in the event of a
qualifying Critical, Chronic or Terminal
illness
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For Agent Use Only; Not for Use with the Public
15. Accelerated Benefit Riders
Additional Qualifying Riders
Primary Insured – Added to base policy death benefit when
electing accelerated benefit amount for primary insured
Additional Protection Benefit Rider (Form ULAPBR08)
Paid Up Additions Rider (Form MLPUA)
Level Term Rider (Form ULLTR)
ANICO Select Term Rider (Form ART07 –TERM)
Other Insured Parties – eligible for accelerated benefits if
the other Insured has qualifying condition
Other Insured Rider (Form ULOIR)
Spouse Term Rider (Form ULSTR93, Form SARTR94, Form STR88)
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For Agent Use Only; Not for Use with the Public
16. Accelerated Benefit Riders
Eligible Death Benefit reduced by
-Actuarial Discount
-Administrative Fee (
-Less Outstanding Policy Debt
= Accelerated Benefit Amount
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For Agent Use Only; Not for Use with the Public
)
Loans reduce
BUT DO NOT
Eliminate
Benefits;
17. Accelerated Benefit Riders
Actuarial discount computed to make accelerated benefit
amount equivalent to present value of eligible death
benefit less the present value of future premiums required
to keep the policy in force
Factors Impacting Benefit Amount:
Accelerated Benefit Interest Rate
Severity of Qualifying Medical Condition
Future Premiums
Future Anticipated Dividends
Cash Value Associated with Eligible Death Benefit
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For Agent Use Only; Not for Use with the Public
18. Accelerated Benefit Rider
Payment Options
Accelerated
Benefit paid in a lump sum
may be applied to any non-life
contingent settlement option available in the
contract
If insured for whom accelerated benefits are
paid is insured under policy, policy will
terminate
If
insured for whom accelerated benefits are
paid is not insured under base policy, then
policy remains in effect with rider terminated
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For Agent Use Only; Not for Use with the Public
19. Accelerated Benefit Rider
Waiting Period
- None
–
Condition must exist for 90 days prior to a claim (does not
apply to cognitive impairment)
No accelerated benefit will be paid within the first two policy
years of the issue date of the base policy
–
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Claims will not be processed until at least 30 days after the
qualifying event
No accelerated benefit will be paid for any qualifying event
that occurs on or before the issue date of the base policy
For Agent Use Only; Not for Use with the Public
20. Tax Consequences
should be Non Taxable
distribution may receive favorable
tax treatment as it is subject to daily limit of $320 or
$116,800 annually for 2013 or amount of qualified longterm care expenses. All insurance benefits are
considered in evaluating these limits.
Payments received under
may be
excluded under accidental health policy and IRC Section
105(b) and 105(c) (check with advisors)
Clients should consult their tax and legal advisors to
determine applicability to their individual situation
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For Agent Use Only; Not for Use with the Public
21. Accelerated Benefit Riders
Effect on Eligibility for Government
Benefits
Qualification
for Government programs such
as Medicaid are quite stringent and often allow
for only limited income and assets in order to
receive benefits
Client
should consult their legal and tax
advisors to determine the impact of receipt of
benefits on their individual situation before
deciding to accept such benefits
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For Agent Use Only; Not for Use with the Public
22. Accelerated Benefit Rider
Illustration Support
Accelerated
Benefit Rider Illustrations will follow
the policy under Riders
Report
will provide an illustration for Terminal,
Chronic and Critical Illness at various attained
ages
Report
will reflect hypothetical amount available
based upon slight impairment, moderate
impairment and severe impairment for Chronic
and Critical and amount for terminal illness
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For Agent Use Only; Not for Use with the Public
23. Hypothetical Accelerated Benefits
ANICO Indexed Universal Life, Face Amount: $100,000, 45 Year old Female
Standard non-user, Annual Premium $3,347.00
Chronic and Critical Illness
Attained Age
Slight
Impairment
Moderate
Impairment
Severe
Impairment
Terminal
Illness
47
$38,222
$76,444
$88,186
65
$20,238
$48,341
$76,444
$88,186
75
$39,216
$57,830
$76,445
$88,186
85
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$0
$59,272
$67,867
$76,461
$88,186
For Agent Use Only; Not for Use with the Public
24. ABRs for Signature Term Insurance
ANICO’s Signature Term Insurance Policy also
contains the three Accelerated Benefit Riders
Benefits may not be as large as IUL Benefit unless
Illness is severe
Slight and moderate benefits will be reduced by
lack of cash value and reduction in benefit due to
ART premiums at higher ages being a part of
discounting calculation
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For Agent Use Only; Not for Use with the Public
25. Terminal Illness –
Hypothetical Case Study
After visiting her Doctor, Joan found out she had pancreatic cancer.
She went to a leading Cancer Center and had her diagnosis confirmed
Joan could not work once treatment started and began going through
her savings very rapidly.
Joan visited with her financial advisor to see what she could get if she
surrendered the policy and found she could access a larger amount
through the Accelerated Benefit Terminal Illness Rider
Joan exercised the rider in settlement of her policy
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For Agent Use Only; Not for Use with the Public
26. Terminal Illness –
Hypothetical Case Study
With this money, Joan was able to afford to continue her
treatment and lived longer than expected
The money brought Joan hope that she could beat this
devastating disease and become one of the few survivors
Although she did not survive the disease, she lived a
longer and better life due to the assistance this living
benefit provided her
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For Agent Use Only; Not for Use with the Public
27. Chronic Illness –
Hypothetical Case Study
Karen became concerned as her husband Bill began
experiencing forgetfulness and occasionally became
confused. This condition worsened over time
They visited a doctor and learned that Bill had early-onset
Alzheimer’s disease. As time passed, the disease became
worse and Bill needed to stop working. Karen missed
work taking care of Bill
This resulted in a loss of income and higher medical bills
as Bill was being treated
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For Agent Use Only; Not for Use with the Public
28. Chronic Illness –
Hypothetical Case Study
Bill and Karen quickly went through all of their savings and
much of their retirement savings to pay for treatment
They met with their financial advisor to see what they had left
Bill had an ANICO life insurance policy with a face of
$500,000 on his life
They talked to their advisor about surrendering the policy and
were informed the policy had a living benefit that included
Chronic Illness
They qualified and received a reduced lump sum acceleration
benefit in settlement of the policy which helped pay for Bill’s
treatment & caregivers which allowed Karen to return to work
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For Agent Use Only; Not for Use with the Public
29. Critical Illness –
Hypothetical Case Study
Jim and Mary were asleep one night when Jim woke up
experiencing a massive heart attack
Jim was in ICU several days before eventually being sent
home to recover
Jim would be unable to return to work for two months and
Mary took a temporary leave of absence to care for Jim
and help him get healthy and lose weight
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For Agent Use Only; Not for Use with the Public
30. Critical Illness –
Jim and Mary were concerned that
with Jim’s illness and recovery,
they would go through their regular
savings and much of their
retirement savings
Hypothetical Case Study
Their financial advisor pointed out
that Jim’s ANICO Life Policy had a
Critical Illness Rider and they
could receive a discounted lump
sum in settlement for their policy
At a time when their future
retirement seemed to be falling
apart, Jim and Mary found the
financial comfort they needed from
ANICO’s living benefits
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For Agent Use Only; Not for Use with the Public
31. Accelerated Benefit Riders
The check is not a reimbursement for approved
expenses already incurred
Lump Sum discounted accelerated benefit can be
used without restrictions
Pay
a family member to take care of you
Have
the lawn mowed or the house cleaned
Funds
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to get you through the tough times
For Agent Use Only; Not for Use with the Public
32. Accelerated Benefit Riders
ANICO’s Accelerated Benefit Riders can provide a client
living benefits that they can use when they need them
Selling life insurance for more than protecting against
premature death is critical to making the sale
Our living benefits rider joins other features such as (1)
supplemental retirement income, (2) paying off a home
prior to retirement, (3) educating grandchildren, etc. to
provide our clients a number of benefits they may enjoy
while they are alive
ANICO has multiple Life Insurance product attributes
that differentiate us from the competition
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For Agent Use Only; Not for Use with the Public
33. The ANICO Underwriting Express
Another product attribute that ANICO provides is
The ANICO Underwriting Express
Underwriting Express allows for fast easy
underwriting along with the Living Benefit Riders
With the ANICO Underwriting Express, Most
Cases Allow for:
No Labs
No Parameds
No Blood work
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For Agent Use Only; Not for Use with the Public
34. The ANICO Underwriting Express
Underwriting Express applies to ages 0-65 with amounts
up to $250,000
Standard and Substandard rate classes only.
Preferred rates and full underwriting available with other ANICO products
or on amounts over $250,000
No Reduction in Commissions
Underwriting becomes faster and less invasive for most
individuals
Applications that meet our guidelines usually approved
within 72 hours
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For Agent Use Only; Not for Use with the Public
35. Conclusion
ANICO’s Living Benefits Riders help protect against life’s risks
No one expects life threatening events but we can plan for them
One way to protect from catastrophic health events is the
ANICO Accelerated Benefit Riders
Some other companies may charge a premium for a Living
Benefit that may never be utilized
ANICO offers Protection for NO ADDITIONAL PREMIUM
If an insured qualifies, they can receive a discounted lump sum
death benefit when they need it to get through their illness
If the
DB grows after issue, then the ABR Benefit will be calculated on
the DB at time of claim (
.)
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For Agent Use Only; Not for Use with the Public
36. Conclusion
Give your clients more reasons to buy life
insurance that can benefit them
Then provide your clients an improved,
less invasive underwriting experience with
The ANICO Underwriting Express
American National Insurance Company:
More
client living benefits
Easier, faster and painless underwriting
Less of your time required to finalize the sale
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For Agent Use Only; Not for Use with the Public