New Modernized Medicare Supplements

Instead of a written blog, let me explain it to you via a short video.

Click on the link - it will help you understand Modernized vs. Standardized plans.


http://www.youtube.com/watch?v=spbw1PtC_dU

Income Riders - why I owe two!

Income riders on annuities simply make sense. If you don't own one, you likely should. The income rider has several distinct benefits:

• Guarantee growth - 8% or better


• Guaranteed retirement payout - you know what to expect


• Payment guaranteed as long as you live.


• Liquidation if you need it and there is money left in your annuity (note- you can change your mind and cash it.)

It is the perfect place for my assets that I will have provide retirement income. Watch this short video I made discussing the benefits:

http://www.youtube.com/watch?v=APqa6o1bCFw

I hope it helps you sell more annuities!

New, Modernized Medicare Supplements.

In June, 2010, the new Modernized Medicare supplement plans were introduced. If you haven't talked to your clients in the past year, you need to watch the below short video. I made it especially for you - short and easy to understand.

Medicare Supplements: New Modernized Plans - http://www.youtube.com/watch?v=spbw1PtC_dU

The New "Annuity"

It's now called the "new" annuity, or the annuity "altenative". In either case, it's now a big time product.

Single Premium Life (SPL) has quietly become one of our best selling products. We are seeing solid premium increases from three carriers. Most agents know about SPL, however, now many are seeing the benefits.

In the past, annuities were the hot thing for these reasons:

• Big commissions


• Easy underwriting


• Easy to explain and understand

However, the big, double-digit annuity commissions are now a thing of the past and while underwriting is still simple, the "suitability" form has stopped plenty of applications.

SPL is quickly rising as a very solid replacement for annuities. Why? Most annuities are never liquidated, the owners simply move from annuity to another after surrender charges or they die and pass it on ---- which, of course, is a taxable event.

SPL is perfect for those clients, here's how:

• Simplified underwriting


• Easy to explain and understand


• Increased death benefit to pass at death


• No taxes at death


• Added benefits for LTC needs.

PLUS: Double-digit commissions for the agent!

PLUS, PLUS: One carrier now accepts Qualified money in their plan! Yes, I said qualified money.

Call us for details at 800-504-7471. You will be surprised at how easy SPL is to sell. Your client will enjoy it!