How do you generate life insurance leads?

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How do you generate life insurance leads?

Selling insurance products comes with its own unique set of lead generation challenges, not least among them the fact that prospects are either

a) reluctant to admit they need what you’re selling, as is often the case with life insurance products


b) afraid to plan for one of their own looming obstacles, namely, how they will fund their retirement.

All of this is why, year after year, advisors name lead generation as the No. 1 issue that can make or break a practice. It takes creativity to overcome this barrier, especially with the threat of competition emerging from non-traditional channels.

How to do it?

To stay in the competition you need to become partners with trusted insurance marketing organizations. Not all the Insurance Marketing organizations know how to generate leads. There are a few IMOs that help insurance agents and financial advisors with lead generation and book more appointments with clients.

DFS Marketing has been ahead of the game with lead generation and scheduling appointments for independent insurance agents.

To learn more, please call 855–740–3140 or visit

Improve your Retirement Success


The fact is that the retirement landscape in America is changing, it may surprise you to learn that the fastest growing segment within the United States population are those citizens age 80 and over. This will impact the entire country as a higher percentage of citizens enter to this stage in life.

Challenge #1

In addition to higher overall numbers of retirees, Americans can now expect to live a greater longer than they could just a few decades ago. Because of medical advances and healthier living and more active life style many retirees will now see the retirement last for 20 to 30 years or even more. Isn’t that fantastic?
This does create a challenge however. The rising population of new retirees and a longer average retirement places pressure on the US retirement system. The facts are that we are entering a new era unlike anything the country has faced before.
Proper planning now can ensure that you are ready for the challenges that lie ahead.

Challenge #2

The second challenge to a successful retirement that is often overlook is the high cost of inflation. The fact is that the year in and year out inflation erodes the purchasing power of your retirement savings. Since 1975 the consumer price index that measures inflation has increased by an average of 4.35% per year. Does that rate of growth surprise you? The following tells you a little more about this challenge of inflation:

According to the U.S. Department of Labor’s Inflation Calculator:

  • Groceries that used to cost you $100 in 1975 now cost more than $359 today.
  • A $7,000 automobile now costs more than $25,000.
  • The price of a gallon of milk has increased by more than 3.5 times.

The bottom line is that inflation reduces your purchasing power.
This brings us to our next challenge to retirement Success:

Challenge #3


I meet with a lot of people and I always hear the same thing over and over:

Folks tell me that they pay more than enough for taxes, and they feel the system is pretty complicated. Well they are not really so complicated after all.

The way it works is:

“The more you earn, the higher percentage you will pay.”

Taxes can reduce the power of your long term savings and ultimately reduce the total quality of your retirement. How do you feel about this?

Challenge #4

Our next retirement challenge is the impact on Social Security Benefits
As the demand on Social Security increases, so does pressure to make changes to the existing system. Isn’t that what we hear all the time? Politicians in Washington DC are constantly grappling with this big issue. Many experts believe that more changes lie ahead.
The outcome of this decisions will directly affect you. What do you think is going to happen? Did you know as much as 85% of your Social Security benefits can be subjected to income tax?

Many of the people that I meet with, are surprised to learn that they are paying taxes on their Social Security benefits. This taxation is based on something called Provisional Income.

Provisional Income includes the total of normal earned income like interest from CD’s (Certificates of Deposit) as well as one-half of the Social Security benefits you receive and even tax-exempt income such as interest earned from tax-free municipal bonds. As you can see it doesn’t take a whole lot of income to end up losing some of your benefits.

Challenge #5

Market Risk is our next challenge to Retirement Success

My questions are pretty simple:
Should all of your assets be exposed to the same level of risk? And if you could paint a perfect picture what would you really like your money to do for you?
Market Risk can impact how long your retirement funds will last when you begin accessing your money during retirement. Market rise and fall on a daily basis. Accessing your money during a market downturn can dramatically affect how long your retirement dollars will last. Does that make sense to you?
The other thing to consider is with many investments and savings tools you will pay fees and commissions as you access these assets that you worked s lifetime to accumulate.
Many of my clients indicate to me that they want to avoid that situation. How do you feel about it?
To truly have a successful retirement we need to overcome these challenges. I believe you may share many other concerns my other clients have.


  • Longer Life Expectancies: Is there a way to ensure that your money lasts throughout your lifetime?
  • Inflation: Can you keep pace with or even outpace inflation?
  • Taxes: Can you control when or if you pay taxes during your lifetime? Can you reinvest earnings without taxation?
  • Social Security: Can you avoid the tax liability on your Social Security benefits?
  • Safety: Can you guarantee your principal and past growth against market risk?
  • Access: Can you accomplish this and still have sufficient access to your money when needed?

As with any challenge I believe there is always an opportunity.

One Solution:

A TAX Deferred Fixed Annuity:

A Tax Deferred Annuity is a contract between you and an insurance company. This contractual relationship provides certain features and advantages that many people find beneficial in their overall financial picture.

I like to share with you some of those things:

Let’s Review the common challenges again and identify some solutions

Remember challenge #1?

Longer life expectancies now extend retirement for many years.


An annuity is the ONLY financial vehicle that can provide a Guaranteed Income for life; no matter how long you live. Doesn’t that sound great?

Challenge #2:

keeping up with the rising costs of inflation. Between 1975 and 2005, consumer prices have increased by 4.35% per year. That’s just too much!


A TAX deferred annuity can help you grow your money more efficiently with competitive rates of return and TAX deferred accumulation.

Challenge #3:

Income Taxes: Every year, taxes can take a substantial portion of your earnings. You are paying the IRS for your interest, dividends, and capital gains even if you are not using those funds.


A TAX Deferral strategy puts you in control of when you will pay taxes on the interest you earn.
TAX Deferral is really TAX Control. Doesn’t that sound better?

TAX Deferral is your right to decide, if ever in your lifetime, to pay taxes on the interest you earn.

  • You earn interest on your principal.
  • You earn interest on your interest.
  • You earn interest on the money you would have otherwise paid in taxes.

Can this help reduce your TAX picture? ABSOLUTLEY!

Remember Tax deferral is really TAX control. The difference is dramatic!

Challenge #4:

Social Security benefits lost to income taxes due to Provisional Income calculations.


One type of income that is not included in the Provisional Income formula is TAX deferred income.
By simply putting some of your assets into a TAX deferred Annuity and leaving the interest to compound internally, you can control your income flow to meet your needs without taxing your important Social Security benefits.
In essence this is an additional benefit of TAX deferred growth. Isn’t that terrific?

Let’s take a look at a sample retiree situation:

This person is single and has done a good job saving for her retirement. She has accumulated some assets and has invested in CDs, Money Markets and Muni Bonds. Her income consists of a pension of $19,200 per year, Social Security is paying her $11,400, Bonds interests is equal to $4,000, The CDs and Money Market account’s interest is approximately $12,800. For a combined total income annually of $47,400.

Now let’s take a look at how we calculate provisional income:

Very simply we carry the pension income over in its entirely ($19,200) but for the provisional income threshold calculation we take half of the social security benefit as well, So half of $11,400 is $5,700. We include all the bonds interests ($4,000) and all the CDs and Money Market interest ($12,800). For the total threshold income of $41,700 as compared to a total actual income of $47,400. (Social Security TAX percentage is 85%)
This is a lot of information! So, you might have questions about what we just did here to calculate threshold income and how that compares to het total income?!!
Let’s move on! She is single, and her threshold income is $41,700! That means 85% of her social security benefits will be subject to TAX! That means 85% of $11,400 or $9,690 is considered taxable income to her! At her TAX bracket she will pay a little over $2,600 in taxes on her social security benefits alone! And she will be looking at an overall TAX bill of just under $5,300.
Now let’s re-visit her situation with a minor adjustment. The minor adjustment is to simply introduce an annuity in to her retirement nest egg. By adding an annuity to her portfolio, we are able to reduce her taxable income amount by $16,800! That one adjustment in her portfolio reduces her threshold income to $24,900, which is under the threshold limit of $25,000. Because she is below the threshold of $25,000 her social security will no longer be considered taxable. So she doesn’t pay taxes on her social security benefits, and finally her overall tax bill is reduced to $1,249. That represents a 76% reduction in taxes. This is very significant. Don’t you think?!

Challenge #5:

Market Risk: Market rise and fall on a daily basis.


Deferred Annuity insulate you from negative market movements. An annuity guarantees your principal and any growth inside your plan from lost. It is really rock-solid protection for your assets.

Other benefits of a Tax-Deferred Fixed Annuity:

Because it is a contract with an insurance company when you properly designate your beneficiaries you can:

  • Avoid all the cost and the delays associated with probate.
  • Avoid fees for accessing your money when you need it. Annuities provide access to funds through penalty free withdrawals. (That varies by policy, See policy for exact provisions.)
  • No up-front sales charges.
  • Competitive rates of return.

Do you find some or all of these benefits appealing? Which one of these ideas I just shared with you are most important to you? !!!

Do you like to learn more?

If you have any questions or you like to have a one hour no obligation consultation with one of our financial experts, please call us at 844-585-2157.






Insurance Marketing

Thank you for attending DFS’s Mega Meeting

Life Insurance and Annuity News


Thank you for attending DFS’s Free IUL/Annuity Leads Event. We hope that you found the workshop informative and worthwhile.
Our primary goals were:

  • How to receive our FREE INDEXED LIFE & ANNUITY LEADS
  • How to position yourself to sell more IUL than you could ever imagine
  • The ULTIMATE annuity sales pitch and sales tool
  • “Ticking Time Bomb” and working with high net worth clients
  • The strategy for answering and overcoming any objection when selling IUL
  • How to present annuity in a way that makes prospects WANT to own it
  • A complimentary Software/Calculator that will help you close more IUL prospects
  • Marketing/Prospecting programs to attract more annuity opportunities
  • Award winning agent platform –
  • If you attend, you will receive a FREE FINANCIAL PLANNING WEBSITE

There were many topics covered during the workshop and the presenters did an outstanding job of sharing their expertise with you.
You were a great group and your enthusiasm and positive spirit helped make our time together both productive and fun.
Thank you for your comments and suggestions on the evaluations and I assure you that each will be given consideration so that future workshops will be even more of a success.
If we can be of help in any way, or if you have questions, please feel free to contact DFS Marketing at 855-740-3140.
Again, thank you for being part of our Free IUL/Annuity Leads Event and I wish you the best.

Retirement Account Tax Alert!

life insurance and annuity

The IRS announced beginning as early as January 1, 2015, taxpayers can make only one rollover from an IRA to another (or the same) IRA in any 12-month period, regardless of the number of IRAs they own. IRS Publication 590, Individual Retirement Arrangements (IRAs), will be updated to reflect this new interpretation when it officially becomes effective.

If a taxpayer takes a distribution from their traditional IRA, they generally have 60 days to deposit the funds back into the same or another traditional IRA without declaring the distribution as gross income. This is commonly known as a rollover. The current “waiting period between rollovers” rule applies to a single IRA account; however, the new rule will apply on a taxpayer basis, regardless of the number of IRA accounts held by the taxpayer.

Taxability of rollovers is the responsibility of the taxpayer. Trustees and custodians cannot track when the 60-day window begins and have no way to determine if the taxpayer completed another rollover during the 12-month period.  Therefore, detailed taxpayer documentation of any rollover is the key to avoiding penalties and taxes.


*Under current rollover rules, the 1-year period begins on the date you receive the IRA distribution, not on the date you roll it over into an IRA.

The IRS has not yet made it clear if the “12-month period” mentioned in the IRS announcement will be measured in the same way.

Understanding the difference between a Rollover and a Direct Transfer.

Rollover:  A rollover of a retirement account occurs when the owner of the account takes constructive receipt of qualified money – usually in the form of a check issued by the custodian and made payable to the owner of the retirement account.  The retirement account owner has a 60-day window to place these funds into a new qualified retirement account in order to avoid a taxable event.

Direct Transfer:  A direct transfer is similar to the rollover with an important difference. In a direct transfer, the owner of the retirement account instructs the current custodian to transfer the funds directly to a new custodian of the retirement account owner’s choosing.  Direct transfers allow for an easy-to-track accounting of the money transfer.  As a result, the IRS allows multiple direct transfers to be made in any 12-month period.


While this report is not tax advice, it’s worth understanding the difference between a direct transfer and a rollover contribution for your retirement account. Retain the power to choose when and where to place your retirement account.

Whenever possible, you may find it beneficial to move your retirement account using the direct transfer approach rather than a rollover.  This preserves your ability to transfer your retirement account in the future without restriction from the Internal Revenue Service. For more information, the announcement can be found at:


*No Limit on Transfers: The IRS does not impose restrictions on the number of direct trustee-to-trustee transfers that may be executed in any particular time period. A direct transfer from one custodian/trustee to another is not a rollover and does not violate the one-rollover-per-year rule.

Eliminate market volatility while continuing to grow your assets.

According to the Investment Company Institute, American’s have invested trillions of dollars in publicly traded stocks. Of course, stocks rise and fall on a daily basis.  In many cases, publicly traded stocks move up and down in the same direction at the same time.  This is known as systemic risk.  In other words, the system itself is influenced by forces that change the value of every stock in the system.

In these instances, diversification between different stocks provides little protection from changes in value.  Investment advisors may not inform you of your other options simply because they do not work with those other options and cannot generate revenue from those options.  The fact is many people grow their hard-earned retirement accounts without exposure to the systemic risk described above. Some individuals select bank products, others real estate and still others choose insurance products, such as annuities, as their savings vehicle of choice.

Perhaps true diversification draws from many different disciplines rather than putting all your resources in one investment class or type such as stocks.

Improve on the return provided by banks without increasing your risk profile.

Today, insurance companies offer fixed annuities similar to bank products with terms as short as three years.  These products consistently provide more competitive returns compared to typical bank products and allow for partial penalty free withdrawals each year.  Additionally, growth inside of these annuities grows on a tax deferred basis.  I will provide direction. Like any financial product, annuities may be subject to penalties for early withdrawal.  Insurance companies call these surrender charges.  Prior to purchasing an annuity, you should meet with a qualified insurance professional to discuss the benefits and potential costs of placing your resources in an annuity.  Similar to bank products, annuities are guaranteed and backed by the financial strength of the financial institution. In the case of annuities, the guarantee is offered by the insurance company rather than a bank.

Create a lifetime income stream guaranteed to never run out no matter how long you live.

Due to healthy living choices and medical technology advances, Americans are living longer than ever before and, therefore, spending more time in retirement.  For many, this means their retirement dollars may need to last a bit longer than originally anticipated.  Fortunately, insurance company actuaries have designed lifetime income riders that, when combined with an annuity, can create a guaranteed income check no matter how long you live.

Not all income riders are created equal.  Before choosing a lifetime income benefit, be sure to evaluate the cost and understand how much the income will be and when it would be most advantageous to begin.

Generate substantial sums of tax-free cash to pay for unexpected medical expenses as you age.

Innovative life insurance policies now include cash benefits if you become medically impaired.  These funds are generally considered tax-free and can be a useful resource right when you need it most. Think of it as life insurance for the living!

Reduce your overall tax exposure.

Many people have funded their qualified retirement accounts to take advantage of tax-deferral over long periods of time.  Did you know you can also begin tax-deferring on money that is not within your retirement account?  That’s right, you can actually park your funds and begin reducing tax exposure on current earnings and you can do so without the annual contribution limits normally imposed on retirement accounts.  There are a variety of fixed annuities designed to accomplish this goal and much more.

Take the next step…

Good planning begins with a thorough evaluation of your current situation. Consider meeting with us to evaluate your risk tolerance, tax status, and your personal goals and objectives and any family situations that may affect your financial decisions. Our meetings are done without cost and remain completely confidential.