How do you generate life insurance leads?

insurance marketing organization, IMO, FMO, DFS, Marketing, Business, Sales, Insurance, Product, Life, Life insurance, Roth, Annuity, IMO, Best, Investment, The Best, Training, Insurance agent, agent, experience, Money, time, Julian, Julian Dougharty, dfs marketing inc, performance, webinar, success, progress, gold, plan, question, save, account, bank, cd, cd buster, great, amazing, super agent tools, tools, super, National Western, Phoenix, American equity, Commission

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.

Social Security FAQ

Life Insurance and annuity Marketing Organzation

Social Security FAQ: What You Need to Know

1- When Am I Eligible To Receive Benefits?

Depending on what year you were born, retirement benefits may begin as early as age 62 for partial benefits and as late as age 67.

  • If you were born before 1938, your age for full eligibility is 65.
  • If you were born after 1960, your age for full eligibility is 67.
  • People born between 1938 and 1942 reach full eligibility age on graduating scale two months per year.
  • People born between 1943 and 1954 become eligible for full benefits at age 66.
  • Those born between 1955 and 1960 become eligible based on a graduating scale increasing two months per year, finishing with an eligibility age of 67 for those born in 1960 or later.

2- How Is My Eligibility Determined?

Social Security eligibility is based on “credits” that you earn from working. You usually need to have earned 40 credits in order to qualify. As of 2011 you earn one credit for every $1,120 in earned income per year, up to a maximum of four credits.


3- How Much Will My Monthly Benefit Be?

Your Social Security benefit is calculated by averaging the earnings from your 35 highest income years. The average monthly payment is $1,082. As of January 2012, the average monthly benefit was increased by 3.6%, which works out to an additional $467 per year or an average benefit payment of $1,549 per month. It depends on your unique situation. You can calculate your Social Security benefit at


4- Must I Quit Working to Receive Social Security?

You can continue to work without negatively impacting your Social Security benefits once you reach your full retirement age. Prior to full retirement age you are permitted to earn up to $14,160. $1 is withheld from your benefits for every $2 in earnings over the limit. You may earn up to $37,680 in the year you reach your full retirement age, then $1 is withheld for every $3 in earnings over the limit until the month you reach your full retirement age.

5- How Does Social Security Work For Married Couples?

If you both have worked long enough to qualify for Social Security, you both qualify for full benefits. If your spouse’s earnings record qualifies them for a benefit from Social Security that is less than half of your benefit, their benefit will be increased to a rate equal to half of your amount.


6- What If My Spouse Dies?

Provided the surviving spouse has reached their full retirement age, they are entitled to 100% of the deceased’s basic benefit amount. Prorated survivor benefits are paid to surviving spouses who have not yet reached full retirement age. The survivor will receive the higher benefit amount if the surviving spouse was receiving Social Security benefits and the deceased’s benefits were greater.


7- Is Social Security In Trouble?

Social Security is a “pay-as-you-go” system, so money paid in by current taxpaying workers is spent to pay benefits to current retirees. As the ratio of current workers to current retirees drops, fewer people will be paying into the system while more will be receiving benefits. People are also living much longer than when Social Security began in the 1930s, stretching out the payments which millions of Americans will be receiving. While some fear the end of Social Security, it is generally agreed that the U.S. government will not allow the Social Security program fail. That, however, does not mean that the program will be able to continue in its current state. Legislators have increased the eligibility age for receipt of

full benefits from 65 to 67 for people born in 1960 or later. Reductions in benefits, additional increases in the age of eligibility, or both, will likely to be needed in order to get the program back on solid ground. Another possible, although unpopular, course of action is raising taxes to fund the system.

When Should You Apply for Social Security Benefits?

When to apply for Social Security benefits is one of the most important issues you will face during your retirement. Most people simply apply for Social Security whenever they decide to retire, instead of taking into consideration what age will give them the maximum lifetime benefit. But can they afford to wait? It depends. Navigating Social Security can be a complicated process so it’s critical to take the time to evaluate your specific situation with a financial professional whom you trust.

Should I Take My Social Security Benefits Now or Delay?

Every individual’s situation is different. The best timing depends on your financial situation, including a thorough evaluation of critical income needs versus luxury income needs. You may be able to delay taking benefits, or need them sooner, depending on whether you or your spouse is working. Understanding how spousal benefits work, and using strategies to maximize your benefits can save you thousands of dollars over a long period of time. At age 66 you will receive full retirement age (FRA) benefits, but you are eligible to receive 75% of your full benefits if you apply at 62. Also, if you delay the onset of benefits past age 66 you can delay until age 70 and actually earn 132% of your FRA benefits. The longer the primary earner delays, the more the monthly income will increase. Theoretically, if you begin receiving Social Security early, you will receive a smaller monthly benefit for a longer time, and if you delay, you will receive a larger monthly benefit for a shorter time. There are “break-even calculators” which can be use to figure out how long you would have to live to make delaying worthwhile. Consult your financial professional to assist in this process. Calculating spousal benefits can be more complicated. Married couples have to consider how the retired worker benefit, spousal benefit, and survivor benefit will affect benefits and life time maximums. More information is available.

What You Don’t Know Could Cost You Thousands in Lost Benefits…

After having paid taxes on your hard-earned income over dozens of years, did you know that you may face even more taxes on your Social Security benefits?

Prepare yourself: up to 85% of your Social Security benefits could be taxable.1 However, with proper retirement planning, you can reduce or eliminate your Social Security tax liability, saving you a significant amount of money in your retirement.

How to Avoid the Social Security Tax Trap

Avoiding taxation of your benefits can only be accomplished in a couple ways.

  • First, you can reduce your overall taxable income
  • Second, you can use tax-deferred savings options, such as annuities.

Discuss with your financial professional. When properly structured, tax deferred annuities can increase your income while reducing taxes on your Social Security benefits. Income distributions are subject to regular income tax, and any income taken before age 59 ½ are subject to a 10% federal tax penalty.

To learn more, Please call 855-740-3140


Source: (Athene Annuity)