According to Jill Konrath of SNAP Selling, taking your prospects or clients word at face value is horrific mistake.  There are many objections out there, but most of the time it comes down to just a few.  When someone says “we’re happy with our current provider” one might think they are truly happy and that [...]

So Facebook just recently announced a new search feature called graph search.  Using graph search, people will be able to search for just about anything and have it show up based on what family members and friends have marked that they liked. According to Corey Dahl of Life Insurance Selling Magazine, this tool could make old referrals seem [...]

As the market roars ahead 6% for the year and much of the country shivers under an Arctic Blast in the middle of Winter, I am reminded of why God created stock analysts: to make the weather forecasters look good.  The idea of tactical asset allocation and market timing in both index annuities and variable [...]

Retirement plans come with growing concerns over how scheduling flexibility will affect retirement benefits, such as Social Security, health care and pension plans. Before signing on the dotted line, consider these  potential problems with phased retirement packages. Pension problems Before signing on, those enrolled in a defined benefit plan — especially workers in public sector [...]

A recent trend in the Index Annuity marketplace has been Private Equity firms buying up insurance carriers.  The biggest of these acquisitions was Athene’s purchase of Aviva USA, the #2 seller of FIAs over the last decade.  Now the first primarily Variable Annuity carrier has been bought up with Guggenheim’s recent acquisition of Sun Life.  [...]

Sounds like Allstate recently came up with an attractive looking deferred income fixed indexed annuity.  The fixed indexed annuity from Allstate, called the IncomeProtector, comes with a bonus and a 7% compound income rider that contractually guarantees that they income account portion will be double the initial premium (assuming no withdrawals, RMD’s, etc).  The payout [...]

For those of you not familiar with how life insurance insurance is regulated, it is done on a state by state basis.  Of course, there is federal oversight on many levels, but the main guidelines and regulatory rules are put in place by the state insurance commissioner’s office.  Each state insurance commissioner is also represented [...]

Must Read Article for Independent Retirement Advisors   Who Want to Generate Their Own Internet Leads   Why You Need To Have An Online Presence?   Here are some eye opening facts that clearly show why it is imperative to have an effective web presence: • One-third of the 195.3 million internet users in the [...]