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| Financial
Independence Group, Inc. |
October
15,
2009 | |
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|
This Week in
OverDrive |
Upcoming
Events
Annuity
Division
Life Division
Long Term Care
Division
Supplemental Division
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Call your
Marketing Consultant to find out if you qualify
for an all-expense-paid trip to
this year's Sales
Symposium!
800.527.1155
info@figmarketing.com
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|
 FIG
Sales Symposium : The Winners
Circle
|
Our
2009 Annual Sales Symposium: The Winners Circle
is guaranteed to be our best yet! We are poised
to rev up your business with unprecedented
access to the absolute best in our industry.
This will be the biggest opportunity of the year
to network with top producers and hard working
peers. You will hear the latest from some of the
best carriers persevering through this perfect
storm. We've got the perfect solution and
multi-faceted sales ideas to ensure your place
in The Winners Circle. This
event will featureOpen access
panel with our top 10 producers, industry key
note speakers Frank Maselli, a master in
financial advisor training & seminars and
Doug Warren, a Roth IRA expert. You're sure to
be inspired by NASCAR champion, Rusty Wallace,
who will deliver a recharging and motivating
message for the challenging race that today's
economy presents. These featured speakers and
more will surely be a winning combination well
worth your time. Click
here to register now!To find
out more information about the event, call an
FIG Marketing Consultant at 800.527.1155 or
visit our website http://rs6.net/tn.jsp?et=1102759042274&s=10540&e=001BIXSpyaIO9MVdcNZfM9vVxJvQimlQBQt7b__RkVzXgWQykwuaz5DqmegP8N4I-dqTWtl2GEag3MkWAwYUoOx8HyphxS5XnrwUe2bjMyCjvBf7W81JtGsow== |
| Touch
the Sky in Banff, Canada: June 9-13,
2010 |
Join FIG as we
venture beyond the ordinary and head north,
to Touch the Sky in Banff, Canada June
9-13, 2010.
170,000
CPC's will earn you and a guest a trip to Banff,
Canada.
Qualification period from January
1, 2009 through December 31, 2009
and are based upon Top GA level
contracts.
CALL YOUR
MARKETER TODAY FOR MORE DETAILS:
800.527.1155 |
| Aviva
Notice To NC
Producers |
North
Carolina producers can now solicit business
prior to appointing with
Aviva!
CLICK
HERE to view
guidelines. |
| New
Life Carrier |
FIG has
added another A+ (AM Best) rated carrier -
Minnesota Life. With a comprehensive
product suite and one of the most competitive
and unique indexed universal life policies in
the market, we are excited to offer Minnesota
Life to our agents. Contact your FIG Life
Marketing Consultant to become contracted with
Minnesota Life.
About
Minnesota Life
Minnesota
Life Insurance Company insurance, pension and
investment products provide financial security
to millions of individuals and businesses
nationwide. Founded in 1880, their record of
financial strength and stability positions them
as one of the most highly rated financial
institutions in America.
From their
St. Paul, Minnesota national headquarters and
sales offices and independent general agencies
around the nation, more than 5,000 home office
associates provide their clients with quality
service and product
expertise. |
| Life
Sales Contest! |
10
Applications = $1,000! It's yours with
American General's 10 for $1,000 Sales
Contest!
Let us help you and your
clients by offering a brand new incentive from
American General that begins TODAY! From
October 1st through December 31, 2009, American
General is kicking off a great sales campaign
that will pay you an EXTRA $1,000 for writing
and placing 10 cases with AG.
|
| John
Hancock Simplifies UW
Process |
John Hancock
is committed to making the application process
as easy as possibly for you and your
clients. With that in mind, effective
October 5, 2009, they are simplifying the
process by requiring significantly fewer
telephone interviews and eliminating third-party
verifications for many life insurance
applicants. Please
CLICK
HERE
to view flyer for details.
For
applicants falling outside the parameters, they
are introducing a team of dedicated John Hancock
underwriting specialists that will schedule and
perform a telephone interview with the
applicant. Their underwriters are
experienced in handling the sensitive and
confidential nature of large and older age risks
in a professional, respectful and courteous
manner.
CLICK
HERE to
view a flyer that discusses John Hancock's
approach to financial underwriting, including
our guidelines and case positioning
tips.
Please
give us a call with any questions or if you have
a case you wish to
discuss. |
| LTC
Sales 1-2-3
Promotion |
In preparation for LTC Awareness Month, FIG
is offering additional marketing
dollars
based on the placement of Lincoln Financial
Moneyguard business.
|
| New
LTC Carrier -
Prudential |
FIG is excited to announce that we have
recently added Prudential Long-Term Care to our
extensive list of LTC carriers. We feel that
Prudential has a competitve niche in both
product and underwriting, and with a strong name
and reputation, they are considered one of the
top LTC carriers in the industry. Call your FIG
LTC Marketing Consultant today to learn
more.
CLICK
HERE to view the Prudential LTC Insurance
Decision
Guide. |
| Sales
Tip: Which Asset Will You
Use? |
When
prospective clients tell you they don't want or
need long-term care insurance because they plan
to pay the cost of services themselves, here's
an easy way to get them to rethink their
position.
For more
information, contact the LTC Team at
800.527.1155.
|
| DI
Sales Idea |
You get it back with Return of Premium DI.
Illinois Mutual offers the hottest product in
the industry that gives your money back. With
the Surrender Value Rider (SVR), Illinois Mutual
will return 100% of the premiums paid, less any
benefits recieved, at age 65. Click here for more
information. |
| New
DI Carrier
Offering |
FIG is pleased
to announce a new carrier in our Supplemental
Division - Principal Financial Group. Principal
is a highly-rated carrier with significant
market share in the white-collar disability
marketplace. With competitive rates and a
well-known name, look to Principal for your next
DI case.
Keep an eye out
for future webinar trainings about this new
offering.
Contact Rick
Christy at 800.527.1155 for more
information. |
|
FOR
INTERNAL AND AGENT USE ONLY - NOT FOR USE WITH
PUBLIC.
IF YOU CANNOT SEE
THE EMAIL ABOVE, PLEASE CONTACT A FIG MARKETING
CONSULTANT AT 800.527.1155
If
you would like to be taken off our e-mail lists,
please send your request to:
info@figmarketing.com. Please include your first
and last name, and the e-mail address to be
removed. Our e-mails are for advisor use only,
and names are never bought or sold. Please call
Financial Independence Group, Inc. for product
availability. Information herein is not intended
to be legal or tax advice; consult your attorney
or tax advisor.
| |
|
| |
|
| Financial
Independence Group, Inc. |
October
5, 2009 | |
|
|
|
|
This Week in
OverDrive |
Upcoming
Events
Annuity
Division
Life Division
Long Term Care
Division
Supplemental Division
| |
|
|
|
Call your
Marketing Consultant to find out if you qualify
for an all-expense-paid trip to
this year's Sales
Symposium!
800.527.1155
info@figmarketing.com
| |
|
FIG
Sales Symposium : The Winners
Circle
|
Our
2009 Annual Sales Symposium: The Winners Circle
is guaranteed to be our best yet! We are poised
to rev up your business with unprecedented
access to the absolute best in our industry.
This will be the biggest opportunity of the year
to network with top producers and hard working
peers. You will hear the latest from some of the
best carriers persevering through this perfect
storm. We've got the perfect solution and
multi-faceted sales ideas to ensure your place
in The Winners Circle. This
event will featureOpen access
panel with our top 10 producers, industry key
note speakers Frank Maselli, a master in
financial advisor training & seminars and
Doug Warren, a Roth IRA expert. You're sure to
be inspired by NASCAR champion, Rusty Wallace,
who will deliver a recharging and motivating
message for the challenging race that today's
economy presents. These featured speakers and
more will surely be a winning combination well
worth your time. Click
here to register now!To find
out more information about the event, call an
FIG Marketing Consultant at 800.527.1155 or
visit our website http://rs6.net/tn.jsp?et=1102745050347&s=10540&e=001BKgc5s8eDAv3VDfkD9yHps5k9DCVhMQ3p5I8cAkIG1nGQcSsJ6TMZUEZHQQvUKVMfwv4B2t-7z0Fvmq3L51wN_wKHNii8jCvPMsDf0TIDWhyHq3RSYnU0A== |
| Touch
the Sky in Banff, Canada: June 9-13,
2010 |
Join FIG as we
venture beyond the ordinary and head north,
to Touch the Sky in Banff, Canada June
9-13, 2010.
170,000
CPC's will earn you and a guest a trip to Banff,
Canada.
Qualification period from January
1, 2009 through December 31, 2009
and are based upon Top GA level
contracts.
CALL YOUR
MARKETER TODAY FOR MORE DETAILS:
800.527.1155 |
| Economic
Impact of 151A |
|
Everyone might want some guidance
on the impact of the Security and Exchange
Commission's (SEC) rule 151A. This information
is far more compelling than the information you
have received in the past, much less what was
provided to the court or the SEC.
It is vital that you support the industry
by contacting your legislators about HR 2733 and
S 1389. The Indexed Annuitites and
Insurance Products Classification Act of 2009
will "undo" the SEC's actions with 151A, and
ensure the fixed insurance status of indexed
annuities and indexed life insurance.
Please use the below information in
your appleals to your Congressional
representative. You can find your local
Congressperson here: http://www.congress.org/
Just
enter your zip code under "Get Involved"
in the middle of the web page.
Insurance agents sold
$26,752,278,197 in indexed annuities in
2008.
The commissions paid
on those sales (assuming the 2Q2009 average
weighted commission of 6.8%) is
$1,819,154,917.40.
This does not consider the profits for
insurers, B/Ds, or the wages of home office
personel. However, I would guess that the
economic impact of 151A would still exceed
$2,220,439,090.36 annually.
Granted, this does assume that everyone stops
selling products, and no registered products are
sold in the future, these estimates may be
conservative.
- The Dept of Insurance states that
there are 65,000 insurance jobs in Connecticut,
the #1 insurance capital of the United
States.
- The Dept of Insurance states that there
are 44,500 insurance jobs in Iowa, the #2
insurance capital of the United States.
- The Dept of Insurance states that there
are 60,000 insurance jobs in Indiana, the #3
insurance capital of the United States.
That is nearly 170,000 insurance jobs in
just three states!
These elected
officials need to hear how their constituents
will be affected by the SEC's action.
LET THEM
HEAR YOUR VOICE!
This
information was provided by:
Sheryl J. Moore,
President and CEO
LifeSpecs.com
AnnuitySpecs.com
Advantage Group Associates,
Inc. |
| RBC
Insurance: Product
Update |
|
Important Changes Effective
October 1, 2009
- New Index crediting strategies for
RBC Choice Series of FIAs
- Changes to RBC GLWB Income
Riders
- Updated interest rates
- Safest banks
update
To view
the complete Product Update
Announcement PDF Click
Here.
|
| Check
Out New Rates For ING Fixed
Annuities |
|
ING Fixed
Annuities
Check out our
new rates, effective 09/30/2009.
Index
Cap Rates as High as 8.00%
If you have any
questions please contact the ING Fixed Annuities
Sales Desk at
1.800.369.5301
Agent use only. Contracts issued by ING USA
Annuity and Life Insurance Company,
909 Locust Street, Des Moines, IA
50309. |
| Allianz
Ranked #1 in the Second
Quarter |
|
X marks the spot with
the second quarter 2009 #1-selling fixed index
annuity in the industry.
There are primarily three types
of retirement strategy sales in the industry.
Whether you sell market-sensitive instruments or
fixed annuity products, the X factor with
Allianz MasterDex X Annuity covers them
all!
|
| New
Life Carrier |
FIG
has added another A+ (AM Best) rated carrier -
Minnesota Life. With a comprehensive
product suite and one of the most competitive
and unique indexed universal life policies in
the market, we are excited to offer Minnesota
Life to our agents. Contact your FIG Life
Marketing Consultant to become contracted with
Minnesota Life.
About
Minnesota Life
Minnesota
Life Insurance Company insurance, pension and
investment products provide financial security
to millions of individuals and businesses
nationwide. Founded in 1880, their record of
financial strength and stability positions them
as one of the most highly rated financial
institutions in America.
From
their St. Paul, Minnesota national headquarters
and sales offices and independent general
agencies around the nation, more than 5,000 home
office associates provide their clients with
quality service and product
expertise.
|
| Life
Sales Contest! |
10
Applications = $1,000! It's yours with
American General's 10 for $1,000 Sales
Contest!
Let us help you and your
clients by offering a brand new incentive from
American General that begins TODAY! From
October 1st through December 31, 2009, American
General is kicking off a great sales campaign
that will pay you an EXTRA $1,000 for writing
and placing 10 cases with AG.
|
| John
Hancock Simplifies UW
Process |
John
Hancock is committed to making the application
process as easy as possibly for you and your
clients. With that in mind, effective
October 5, 2009, they are simplifying the
process by requiring significantly fewer
telephone interviews and eliminating third-party
verifications for many life insurance
applicants. Please CLICK HERE to
view flyer for details.
For
applicants falling outside the parameters, they
are introducing a team of dedicated John Hancock
underwriting specialists that will schedule and
perform a telephone interview with the
applicant. Their underwriters are
experienced in handling the sensitive and
confidential nature of large and older age risks
in a professional, respectful and courteous
manner.
CLICK HERE to
view a flyer that discusses John Hancock's
approach to financial underwriting, including
our guidelines and case positioning
tips.
Please
give us a call with any questions or if you have
a case you wish to
discuss. |
| Underwriting
Improvements from Lincoln
Financial |
Lincoln
Financial has recently made positive
improvements to some of their underwriting
guidelines for life insurance. Please CLICK HERE to see the
flyer for further details or contact your life
marketing consultant to obtain the most recent
LFG guidelines. Also, ask about our
concierge service for your larger life
cases. |
| Take
Note |
FIG's LTC Division is dedicated
to meeting the needs of our agents. As we begin
the 4th
Quarter of 2009, a
great marketing opportunity exists with the
clients and prospects who have delayed their
purchase of an LTC solution. Whether
you've discussed traditional LTCi or a
combination product, your opportunity is to
revisit the topic of LTC with your clients to
gauge their interest at this point. Talk
to your FIG LTC Marketing Consultant about some
of the unique strategies for solving this
Long-Term Care dilemma. TAKE NOTE
FLYER |
| CDA
Long-Term Disability Claims
Review |
Since 2005, the
Council for Disability Awareness (CDA) has
conducted a proprietarty annual review of
long-term disability claims among the U.S.
working population. The purpose is to identify
continuing or emerging trends, and to share them
with interested audiences. The 2008 CDA
Long-Term Disablity Claims Review includes
quantitative and - for the first time -
qualitative long-term disability insurance
claims data from the annual CDA member long-term
disability claims survey. Also included is
selected worker disability data from the Social
Security Disability Insurance (SSDI) program. 15
CDA Member Companies, representing over 75% of
the commercial disability insurance marketplace,
participated in the 2008 survey.
|
| New
DI Carrier
Offering |
FIG is pleased
to announce a new carrier in our Supplemental
Division - Principal Financial Group. Principal
is a highly-rated carrier with significant
market share in the white-collar disability
marketplace. With competitive rates and a
well-known name, look to Principal for your next
DI case.
Keep an eye out
for future webinar trainings about this new
offering.
Contact Rick
Christy at 800.527.1155 for more
information. |
|
FOR
INTERNAL AND AGENT USE ONLY - NOT FOR USE WITH
PUBLIC.
IF YOU CANNOT SEE
THE EMAIL ABOVE, PLEASE CONTACT A FIG MARKETING
CONSULTANT AT 800.527.1155
If
you would like to be taken off our e-mail lists,
please send your request to:
info@figmarketing.com. Please include your first
and last name, and the e-mail address to be
removed. Our e-mails are for advisor use only,
and names are never bought or sold. Please call
Financial Independence Group, Inc. for product
availability. Information herein is not intended
to be legal or tax advice; consult your attorney
or tax advisor.
| |
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