Davis Life Brokerage News 1st Quarter, 2010 : Page 1
Brokerage News 1st Quarter • 2010 Davis Life Brokerage Your Financial Services Partner . . . For Life! IN THIS ISSUE Underwriting Excels When You Know Your Competition The Laser Underwriting Approach eBook Roth Conversions Hype or Opportunity? Bob to the Rescue Life with Al PJ’s Picks Top Products Company List 2 3 4 5 6 6 8 9 Your Reward–Davis Life’s 2011 Caribbean Cruise 10 Avoid Relationship Strain with Your Clients 11 With the financial crisis of the last few years seeming to ease a bit, many of us are breathing a sigh of relief entering 2010. Since many of our clients’ retirement accounts have likely experienced a recovery in value over the past year, now may be the right time to approach your clients with reliable, guaranteed strategies to provide their financial security going forward. With many new accumulation- oriented products on the market, life insurance is a better value than ever. Especially for your older customers, now may be the time to talk with them about securing a guaranteed income level. Income annuities with a certain period guarantee your clients’ income for the rest of their lives while providing for their beneficiaries if they expire early. Fixed indexed annuities with a guaranteed lifetime withdrawal benefit rider accomplish this as well, with the added benefit of access to remaining principal in case of emergencies. Let us find you the best offer from the many companies we represent. 800-747-5612 dlb@DavisLife.com www.DavisLife.com With many new accumulation-oriented products on the market, life insurance is a better value than ever. A properly structured policy can provide your clients with death benefits that are free of income and estate taxes, and it can provide an income tax-free cash flow in retirement. Many companies are easing their underwriting standards, thus improving our clients’ chances of qualifying for coverage. Remember that our in-house underwriter can speed up the process for you. Don’t forget regular annuities, either. With money market and bank CD interest rates at ridiculously low levels right now, the higher rates offered by fixed rate annuities along with their guarantees of principal should look very attractive to many of your clients. Fixed indexed annuities provide guarantees of principal protection, with the additional upside of index-based interest crediting, and a variety of premium bonuses that may be just the inducement your clients need to make the switch. Let Davis Life Brokerage help you sort through the many carriers and products available in the marketplace today. With many companies available, we can help you choose the best alternative to present to your clients. And with no minimum business requirement to maintain your contract, you’ll enjoy our outstanding service and great commissions. Opportunities By: Ron Davis, CLU Davis Life Brokerage Founder - Retired (but still interested)
2010 Opportunities
With the financial crisis of the last few years seeming to ease a bit, many of us are breathing a sigh of relief entering 2010.
Since many of our clients’ retirement accounts have likely experienced a recovery in value over the past year, now may be the right time to approach your clients with reliable, guaranteed strategies to provide their financial security going forward.
Especially for your older customers, now may be the time to talk with them about securing a guaranteed income level. Income annuities with a certain period guarantee your clients’ income for the rest of their lives while providing for their beneficiaries if they expire early. Fixed indexed annuities with a guaranteed lifetime withdrawal benefit rider accomplish this as well, with the added benefit of access to remaining principal in case of emergencies.
Let us find you the best offer from the many companies we represent.
With many new accumulation-oriented products on the market, life insurance is a better value than ever. A properly structured policy can provide your clients with death benefits that are free of income and estate taxes, and it can provide an income tax-free cash flow in retirement. Many companies are easing their underwriting standards, thus improving our clients’ chances of qualifying for coverage. Remember that our in-house underwriter can speed up the process for you.
Don’t forget regular annuities, either. With money market and bank CD interest rates at ridiculously low levels right now, the higher rates offered by fixed rate annuities along with their guarantees of principal should look very attractive to many of your clients. Fixed indexed annuities provide guarantees of principal protection, with the additional upside of index-based interest crediting, and a variety of premium bonuses that may be just the inducement your clients need to make the switch.
Let Davis Life Brokerage help you sort through the many carriers and products available in the marketplace today. With many companies available, we can help you choose the best alternative to present to your clients. And with no minimum business requirement to maintain your contract, you’ll enjoy our outstanding service and great commissions.
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