Leave a More Financially Secure Legacy to Your Heirs

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Leave a More Financially Secure Legacy to Your Heirs

Or, Receive Policy Death Benefits in the Event of a Chronic Illness:

The Challenge: Balancing Your Estate-Planning Goals with Real-Life Scenarios

“Wealth Transfer” :

is a process to effectively transfer assets that probably won’t be needed during your lifetime to the next generation.

Remember…your estate has several beneficiaries:

  • Your heirs
  • The IRS
  • Your State’s Tax Department
  • Creditors
Do you have financial resources earmarked for your children or grandchildren… charities…or civic organizations?
Do you prefer to maintain control of this money and potentially increase the amount available in the event of a chronic illness during your lifetime?

Would You Like To…

  • Increase the value of your estate immediately?
  • Provide a guaranteed death benefit to beneficiaries?
  • Build wealth through index-linked returns, with protection from market declines?
  • Maintain liquidity through withdrawals, loans and a Return-of-Premium Guarantee?
  • Access your death benefit if you become chronically ill?

WealthMax Bonus Life May Be the Answer

Death Benefit – Single premium provides an immediate guaranteed Death Benefit generally free of income taxes.

Tax-Deferred Growth – Your cash value grows income-tax deferred within the policy. As your policy value increases, so may your Death Benefit.

Access to Death Benefits in the Event of a Chronic Illness – You can accelerate up to 100% of your Death Benefit due to chronic illness, terminal illness or nursing-care confinement.

Your Beneficiaries Will Not Pay Federal Income Taxes on Death Benefits in Most Cases

Your Policy Offers Index-Linked Interest Credits for Enhanced Policy Values and Death Benefits

What is a Stock Index?

Earnings in your policy can be linked to performance of the S&P 500® Index. The S&P 500 is a diversified mix of 500 large, well-known U.S. companies. The index performance is generally regarded as a representation of the entire U.S. stock market.

To avoid principal fluctuations, the premium paid to your policy is not directly invested in the S&P 500 or the stocks that make up the index. Rather, your premium is invested by EquiTrust in order to pay you a portion of the index up-side…while protecting you from the index downside.

In other words, your account values earn positive index-based performance when index results are positive, while avoiding declines when the index results are negative.

Goldman Sachs Dynamo Strategy Index®

Goal:

Highest risk-adjusted performance within a targeted level of volatility

  • Dynamo allocates among several asset classes

–             Equity

–             Fixed Income

–             Commodity

–             Real Estate

–             Cash

  • Risk-control feature

“Participation” Strategy Example1, Insurance Marketing, account, agent, amazing, Annuity, bank, Best, Business, cd, cd buster, DFS, dfs marketing inc, experience, FMO, gold, great, IMO, Insurance, Insurance agent, insurance marketing organization, Investment, Julian, Julian Dougharty, Life, Life insurance, Marketing, Money, performance, plan, Product, progress, question, Roth, Sales, save, success, super, super agent tools, The Best, time, tools, Training, webinar

Example 1: 5% Index Growth

Beginning index value = 180 Ending index = 189

Example 2: 10% Index Growth

Beginning index value = 180 Ending index = 198

Example 3: 5% Index Decline

Beginning index value = 180 Ending index = 171

You Will Have Access to Cash in the Event of Certain Chronic Illnesses

Your WealthMax Bonus Life policy gives you access to cash if you are diagnosed with certain chronic or terminal illnesses, or confined to a nursing home. This benefit is called the “Accelerated Death Benefit,” because death benefits are “accelerated” to help meet health-related expenses during your lifetime. Accelerated Death Benefits may be received free of federal income tax.

The Value of Accelerated Death Benefits A policy purchased by a 60-year-old woman with $50,000 premium offers Accelerated Death Benefits in these amounts in the event of one of the following health-related conditions. *1, Insurance Marketing, account, agent, amazing, Annuity, bank, Best, Business, cd, cd buster, DFS, dfs marketing inc, experience, FMO, gold, great, IMO, Insurance, Insurance agent, insurance marketing organization, Investment, Julian, Julian Dougharty, Life, Life insurance, Marketing, Money, performance, plan, Product, progress, question, Roth, Sales, save, success, super, super agent tools, The Best, time, tools, Training, webinar

  • Terminal Illness
  • Nursing-Care Confinement
  • Chronic Illness

To learn more please click here

Agents please click here

 

 

 

Source: Equitrust

LEAD GENERATION & MARKETING

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DFS Marketing consults with the most successful lead generation resources in the nation. Each month, we evaluate new opportunities that have proven to drive new prospects to your practice. Continuous marketing is the first step in building consistently increasing revenues and a hallmark of every top producer we serve. Avoid the common mistakes and take advantage of our detailed research. As we work together, our team will be able to help match your personality and practice to proven approaches that play to your strengths so that you may maximize your results. The most successful lead generation resources in the nation.

START WHERE OTHER SYSTEMS END!

The goal of every lead system is a face-to -face meeting with a new client. This system begins with a face-to-face meeting! This campaign is based on a unique mailer. For best results, mail 5,000 pieces.

HEAR IT ALL!

All response calls are archived on your personal web account so you can listen to each and every appointment. Appointments are set based on what you are looking for. You will choose the minimum investible assets for prequalifying the prospect.

LET NOTHING SLIP BY!

We have found that these clients are less likely to attend a seminar or workshop. They prefer the personal approach. This opens a new client base to you. You will even receive a list of every call-in including those who have less than the minimum investable assets to qualify for the face-to-face meeting. Use these opportunities to fill in the gaps in your schedule. Don’t let anything slip by.

MAKE THE SALE!

Expect between 10-15 appointments and average sales over $200,000. These folks will definitely have money because the purpose of the meeting is to see if you can help them position their finances for greater success in the future.

THE HIGH-QUALITY PROSPECT LIST

Intensely scrubbed and constantly updated lists bring better results. By cross referencing bi-weekly between the leading list sources in the nation, we connect you to the best. Our program targets higher quality prospects to attend your event which yields higher appointment ratios.

MESSAGES THAT RESONATE

Our proven messaging is current and relevant to today’s economy. Stop relying on stale messaging and move into high impact marketing that draws from the concerns people have right now. Then, watch your workshop fill up!

PROTECT YOUR MARKET

Through proper coordination, your event will be free from identical competition.

CONTENT

We have several highly successful and winning workshops (including handouts) you can choose from. Instant training is available whenever you are ready. Just ask!

401 (k) Magic

There are trillions of dollars in 401(k) accounts throughout the nation.

Get in front of an untapped market of people aged 40-55, with incomes of over 100k and own their own houses. These people have income and assets and want to create a legacy and financial stability for themselves and their children.

This may be the perfect supplement to your workshops and other marketing activities.

AN AMAZING MARKET!

Each day, nearly 10,000 people become eligible for Social Security benefits and what they don’t know will hurt them. Strategically pull responses from people between the age of 60 and 66. This is the perfect client base ready to learn about eliminating volatility, keeping more of their benefits and planning their future retirement income. Tap into this opportunity with minimal effort.

There are many more opportunities and exclusive niche marketing game changers we can connect you with. Contact our Business Development Team for more information.

ROTH IRA CONVERSION

Our exclusively created mailers drive people to the ROTH IRA opportunity to explore if it is advantageous to make the leap into a tax-free world. Clients responding to this piece have substantial assets in qualified money and typically earn high incomes. They are motivated to find a legal way to reduce their current and future tax exposure.

WORKSHOP READY

Combine this with our ROTH IRA workshop and one-of-a-kind conversion calculator and you are well on your way to lucrative large transactions.

GO ONE-ON-ONE

Advisors using these professionally written and designed advertising pieces have loaded their practice with new prospects who are ready to get out of the excessive tax environment and jump into a tax-free universe. Our newspaper and direct mail ads even include a designs for one-on-one appointments!

FINAL EXPENSE

Build a big data base! Innovative producers have made the move to this high response approach that allows you to rapidly build a data base. Think of this business as a lead generation program that pays for itself. This is great for covering a basic need everyone has, establish the relationship and then go deeper to find other problems you can solve. If you are trying to build your agency with a junior agent, use this to get the ball rolling.

SINGLE PREMIUM LIFE

  • Do you think tax payers are fed up?
  • Are investors tired of volatility?
  • Or are they worn out on low growth?
  • Are people concerned about covering the high costs of Long Term Care, Critical Illness, etc.?

This mailer may just be the ticket for you!
Call DFS Marketing to Learn more! 855-740-3140

Divorce Planning with Life Insurance

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Divorce Planning

When two people marry, they are not contemplating that someday they may be involved in divorce planning. However, all too often this is where marriage can wind up. In a dissolution of marriage, family properly must be divided up and provisions are made for children.

Child support, and often alimony payments, can be ordered as part of the divorce decree. In order to secure this obligation, the court will typically require sufficient life insurance on the primary wage earner to fund the obligation as part of the divorce decree. That way, if the payer-parent dies, future obligations are funded through life insurance. The beneficiary may be the spouse or child. This also provides peace of mind to the paying parent that their child is well taken care of if they die.

Life Insurance Needs

In many divorces that include provisions for alimony or child support, the court order will often require the supporting spouse to carry a life insurance policy to ensure that the settlement will be paid if the supporting spouse dies. If insurance is required, the term of the coverage will need to be determined. If the policy is meant as security for child support only, the policy can be terminated when the last dependent child reaches the age of majority. It may also be negotiated that the policy remains in effect for a longer period of time stated either as a term of years, after all the children’s education is completed of in some cases for life, with the children as beneficiaries.

If the insurance is for alimony, it may continue for as long as the alimony payments continue which may be for life, until the payee is remarried, or until retirement plans are accessed at retirement if the spouse receives an interest in the retirement plans.

If the court does not order life insurance, it may be in the best interest of the non-supporting spouse to take out a policy insuring the supporting spouse to ensure future alimony or child support payments.

Types of life Insurance Available

Term insurance and permanent insurance can both be used to satisfy the obligation to pay child support or alimony.

Term Insurance:

Term insurance works for a temporary need for a specific term of years. If the policy is only needed for a short time, then term insurance may suffice. If the coverage is ten years or less term insurance may be the most effective means of providing coverage.

Permanent Insurance:

Permanent insurance will provide coverage for life and can be used for other purposes after the obligation has ended. It also ensure that if the insured becomes uninsurable, they can retain the coverage. If coverage is needed for between 10 to 14 years then either a term or permanent product could be used. If the coverage period is fifteen years or greater permanent insurance is a better choice.

(California Residents: The Accelerated Benefit Rider for Chronic Illness is not available in conjunction with term coverage whether it is the base policy or a rider.)

Why Use Signature Guaranteed Universal Life

Signature Guaranteed Universal Life Insurance (SGUL) has featured that work well when there is an obligation for a term of years that is close to fifteen years up to the life of the responsible party.

If the obligation ends in the event the divorce spouse remarries, then there are three cash-out periods available at policy years 15, 20, and 25. If the obligation is for approximately fifteen years, the insured has the ability to cash out a portion of their premiums making this as affordable as term insurance.

It may also allows the insured to determine at the time the obligation ends if the insurance would be useful for the insured to keep in force. If in the meantime, the insured has experienced a serious illness, they can keep the policy. If the insured is diagnosed with a serious illness they will also have the added benefit of the Accelerated Benefit Rider for Critical, Chronic and Terminal Illness or the Accelerated Benefit Rider for Terminal Illness (NY only) They could utilize to meet any obligation or provide for dependents. With the benefits and flexibility of permanent insurance and the ability to cash out the policy if the insured’s situation changes, this policy is a great match to be used in a divorce situation.

Why Signature Guaranteed UL can be a good product in the divorce market

  • Guaranteed coverage if premiums are paid and loans are not taken.
  • Premiums are less than traditional universal life because SGUL does not generate significant cash value.
  • After 15, 20, or 25 years, the insured can exercise the built in Cash-Out Guaranteed and receive a full or partial return of their premiums paid.
  • Includes the Accelerated Benefit Riders for Critical, Chronic, and Terminal Illness (NY only) that can provide protection if the insured has a qualifying illness.

Case Study: Jim and Mary

  • Decided to divorce their marriage and divorce after seven years.
  • Lived in a non-community property state.
  • Mary was a stay-at-home mom and Jim was an attorney and made over $150,000 per year.
  • They had three children together, ages 4, 2, and 1.
  • Both are thirty-two years old.

In the divorce settlement, Jim was ordered to pay Mary child support in the amount of $3,500 per month until the later of the children reaching age 18 or graduating from high school, As each child reached 18 the child support requirement would diminish as that child was no longer subject to support. Jim also agreed to pay for the children’s college education and to pay Mary $1,500 per month until she remarried or dies.

Mary’s attorney requested and the judge agreed to require Jim to obtain life insurance to protect his wife and children and to ensure that either he or the life insurance will fulfill his commitment. The cost of child support could be up to $657,000 if all children remain healthy as that could be a seventeen year obligation. The cost of alimony could be as much as $936,000 if Mary does not re-marry and lives into her 80’s. Add to that the cost of college education and the cost could really skyrocket. After considerable negotiation it was determined that Jim would purchase a $1,000,000 permanent policy that would be available to help Mary meet her and the children’s needs if something happened to Jim. Her attorny negotiated a permanent policy since the children were so young and because the payments to Mary could potentially go on after Jim would no longer qualify for term insurance. Jim’s attorney negotiated the face amount and, after reviewing various insurance proposals, decided on the Signature Guaranteed UL policy in order to keep the cost down while meeting the need for permanent coverage. If Mary remarried, Jim could discontinue the policy later or keep the policy for himself naming new beneficiaries or keeping his children as beneficiaries.

The SGUL policy is a cost effective permanent policy that can meet multiple needs and if those needs are ultimately satisfied the policy owner can obtain a partial or full return of premium through the Cash-Out features. Being able to enjoy permanent coverage for 25 years and then receive back your paid premiums can be a great way to protect loved ones if something happens to you and then receive a refund after the protection period to meet other retirement needs.

 

See for yourself: To learn more : Click Here

Agents: To learn more Click Here!

 

 

 

Source: American National

Build a lasting legacy starting today!

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Starting at age 70, the IRS requires that you withdraw a minimum amount annually from your qualified retirement account — and pay tax on the funds – whether you need the income or not. This withdrawal is called a required minimum distribution (RMD), and it may take an unexpected toll on your nest egg.

Four features that make an annuity an attractive RMD solution for legacies:

Premium Bonus

Premium Bonus annuities include a Premium Bonus Vesting Schedule and may include a lower Cap Rate, lower Participation Rate, higher Spread Rate or other limitations not included in similar annuities that don’t offer a Premium Bonus.

RMD Friendly

Unlike many alternative retirement saving vehicles, you can take an RMD in any Contract Year without incurring withdrawal charges. This is true even if the RMD is more than amounts available under your annuity’s free withdrawal provision or is taken before the Withdrawal Charge Period is over.

Indexed Crediting Strategies

When you allocate money to one or more Indexed Crediting Strategies, you can satisfy your RMDs while potentially earning interest credits that can keep your Accumulated Value growing — leaving more to pass on to your beneficiaries.

Protection from Market Loss

Your money is not directly exposed to the risks of the stock market or individual stocks. While you may earn 0% in any interest crediting period, you’ll never earn less than 0% — guaranteed.

Facts about RMDs:

  • RMDs are determined by age, account balance and life expectancy.
  • RMDs must be taken annually beginning at age 70 ½.
  • RMDs are not required from Roth IRAs while the owner is alive.
  • Withdrawals in excess of your RMD can’t be applied to the following year.
  • A significant tax penalty will be assessed for withdrawing less than your RMD.

How does this work?

Meet Sara: Sara retires at age 60. Because she has other sources of retirement income, she decides to roll over $100,000 from an existing qualified 401(k) plan into a fixed indexed annuity with a built in death benefit provision.3 She chooses to allocate all of her premium to the BNP Paribas Multi Asset Diversified 5 Index with a 2-Year No Cap Point to Point Strategy that earns interest credits based in part on the performance of an external market index.4

Sara takes RMDs from her annuity each year, until she passes away at the age of 85.

Here’s how annuity can help Sara build a legacy — even while taking RMDs.

1

2

3

Each scenario has a total combined benefit greater than the full amount of the premium paid. But, by utilizing an indexed crediting strategy, Sara and her beneficiaries could, under the best case scenario, receive up to 3X more!

See for yourself: Ask your financial professional to show you how an annuity can help grow your qualified assets and leave a lasting legacy for your loved ones! To learn more : Click Here

Agents: To learn more Click Here!

 

 

 

(Source: Athene)

One on One Appointments

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DFS Marketing brings you Pre-Qualified Appointments

INCREASE YOUR PRODUCTION AND INCOME BY MEETING PRIVATELY WITH COUPLES AND INDIVIDUALS THAT ARE ACTIVELY SEEKING FINANCIAL ADVICE AND GUIDANCE IN YOUR MARKET.

ONE-ON-ONE APPOINTMENT CONCIERGE… A REPEATABLE AND SCALABLE NEW CLIENT ACQUISITION SYSTEM.

To watch the One-on-One Appointment video, please Click Here