just the facts - 4th quarter 2013

THE KEY TO FINDING THE BEST INCOME RIDERS FOR YOUR CLIENTS(SEE PAGE 6)

4TH QUARTER 2013

800.710.1115 Rates available 24/7 atwww.greatplainsannuity.com

ALSO SEE...• ConsiderFundingEducationwithaROTHIRA(Page10)

• LTCAlternativesforClientstoConsider(Page12)

100% Independently Owned!

01.indd 1 10/4/2013 10:58:54 AM

800.710.1115 www.greatplainsannuity.com

JUST the FACTS | 4TH QUARTER 2013PAGE 2

CLIENTS WIN / YOU WINWITH THESE ROP AND BAILOUT FEATURES!

• “A” RATED CARRIER

• RETURN OF PREMIUM BENEFIT

• VERY COMPETITIVE CAP WITH BAILOUT OPTION FOR INDEXED STRATEGIES

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• EXCELLENT OPTIONAL DEATH BENEFIT

GPALM EXCLUSIVEHELP CLIENTS ENJOY MORE INCOME!Great Plains can help you navigate the GMWB market an quickly find the best Income Rider solutions to present to your clients! Don’t spend hours doing tedious research when we can give you the answers you need in minutes!

ASK ABOUT OUR INCOME RIDER COMPARISON TOOL!

GET ALL THE DETAILS FROM YOUR GREAT PLAINS ANNUITY MARKETING SPECIALIST!

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6

JUST the FACTS is published quarterly for the benefit of independent insurance agents and brokers contracted with Great Plains Annuity & Life Marketing. Great Plains assumes no responsibility for the professional training or continuing education of agents. This publication is for agent use only, and not to be used to solicit sales from the general public. Products noted may not be available in all states. Great Plains does not offer tax, investment or legal advice. While every effort is made to confirm accuracy, published rate and product information is subject to change. Material herein may not be reproduced in any form without permission.

INSIDE

INCOME RIDER COMPARISON TOOL

Your Great Plains Annuity Specialist has the key to simplifying your Income Rider research with our Income Rider Comparison Worksheet. Your GPALM Annuity Specialist can lead you to the best product solutions in just a few minutes, saving you hours of time better spent on prospecting or with your family.

PRINCIPALS

• Rich Hellerich• Robb Edwards

ANNUITY MARKETING

• Brad Allen• Scott Andrew• Kara Jones• Mike Lair • Cindy Nelson• Chad Palmquist • Jane Plumberg• Carlos Rojas

LIFE MARKETING

• Dick Reynolds, CLU

ADMINISTRATION

• Cris Larson• Naomi Mayekawa• Christine Moore • Mackenzie Oakley• Kathy Putnam

10901 W 84th Terrace., Ste. 125 Lenexa, KS 66214Toll Free: 800-710-1115

Local: 913-492-9994 • Fax: 913-492-9998www.greatplainsannuity.com

PAGE 3JUST the FACTS | 4TH QUARTER 2013

4TH QUARTER 2013

8WHAT’S HOT AT GREAT PLAINS?

GPALM Principal Rich Hellerich gives you the current HOT Annuity and Life Products available at Great Plains! Call your GPALM Annuity or Life Marketing Specialist to discuss your current cases and details on these and our other product solutions...

12 LTC ALTERNATIVES: WHAT OPTIONS ARE LEFT IN THE LTC MARKET?

Many existing LTC policyholders have been faced with premium increases, stagnating benefits and carriers exiting the marketplace. Government programs are strained with current economic and budget pressures putting these “safety net” entitlements in jeopardy. If you are working in the senior market, our Senior Life Specialist, Dick Reynolds, CLU, suggests new chronic care provisions found in life insurance plans offer Boomers and seniors protection from the potential financial disaster caused by a long-term health issue.

10 EDUCATIONAL FUNDING WITH A ROTH IRA

Senior Vice President and Senior Annuity Specialist Mike Lair offers a great fixed annuity sales idea using a ROTH IRA to increase contributions for a child or grandchild’s education funding. When structured properly, funds can be withdrawn income-tax free, and clients can enjoy the potential of higher contributions and fewer restrictions when compared to other Education Savings Accounts. Set yourself apart from your competition with this excellent concept.

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JUST the FACTS | 4TH QUARTER 2013

For those of you working the senior market for 10 years or more, I’m willing to bet you have thousands of dollars in potential commissions currently sitting in your client files. During the last three months Single Premium Life sales have skyrocketed in our office as more producers have started to ask one additional question at the end of client reviews or annuity sales presentations. That additional question is: “Do you have annuities or other financial assets you own earmarked for your heirs because you don’t anticipate needing them for income purposes?”

Many retired seniors who own annuities do not even take the interest on the gains as other sources of income are sufficient. These annuities might now be earmarked to pass to heirs or, if needed, to provide funds for assisted living or home health care expenses. Other financial legacy assets going to heirs may include CDs, savings, and under-performing life policies.

Why should consumers consider SPL?For clients with these legacy assets, you have some compelling reasons for them to consider repositioning to Single Premium Life.

• Immediately increase the value of their estate with guaranteed death benefit

• Assets pass easily – generally income-tax free and avoid probate

• In the event of a chronic illness they can still access premium

• Some products offer Return of Premium feature

Reasons Agents should offer SPL:

• Majority of Retirees are unaware of this important planning product

• Some sales actually free up money to spend any way clients choose

• Simplified & fast underwriting...easy to qualify, easy to SELL!

• EXCELLENT Commissions!

Contact any of our Great Plains Marketing Specialists for the rest of the SPL story. We have a number of great carriers and excellent SPL products for you to consider, and many of your peers are already “on the boat”, generating thousands in new commissions from clients that had bought their last annuity and new prospects that had not been shown this opportunity! Also ask for a copy of our Agent’s Guide to Life Opportunities in the Senior Market.

We thank you for your business, and hope you are having a great year! See the rest of this issue and watch for announcements regarding some special incentive opportunities available in the 4th Quarter.

JUST the FACTS

Don’t miss the Wealth Transfer boat!Easy Single Premium Life sales are right in front of you...

Rich Hellerich, Principal

Rich Hellerich

04.indd 3 10/4/2013 10:59:53 AM


If you could offer:

Would you be interested?

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for 10 Years

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From an A+ Rated Carrier

AND 4% Commission


05.indd 1 10/4/2013 11:00:10 AM


According to LIMRA statistics reported earlier this year, 88% of indexed annuities (FIAs) offer a guaranteed lifetime withdrawal benefit (income rider), and 72% of consumers purchasing an indexed annuity elect a GLWB rider when available. Sales opportunities should continue to climb as 10,000 Boomers turn age 65 everyday, many looking for guaranteed income solutions to augment concerns regarding the long-term viability of their Social Security benefits and the volatility of financial products that expose their retirement nest egg to market losses.

Given the number of insurance carriers offering annuities with income riders, annuity producers can easily become overwhelmed when trying to select the best lifetime income options available to present to their prospects and clients. Researching the entire FIA marketplace for the best available income guarantee for a particular client’s situation can take days.

When your Great Plains Annuity Specialist is working with you on developing an income plan for a prospective sale, they have access to our Income Rider Comparison Worksheet. This tool was created in-house to give us a fast and accurate way to determine the best bottom line payouts for income planning, and save hours of research. This tool gives your GPALM Annuity Specialist the information they need to guide you to best option(s) for your client to consider, and allows you to respond quickly with a proposal and a plan to close the sale.

In addition, because our Annuity Specialists run so many Income Comparisons for producers, we have found that different FIA products and income riders tend to have “sweet spots”. Different carriers show well for clients wanting to turn on income immediately, others at five years, ten years, etc. This is important because if you only rely on the “roll up” rate, you will be surprised that the highest rollup percentage does not generate the highest income

amounts in all policy years. By identifying the best payouts at different income commencement dates, you can better help your client create a sound income plan that fits their needs.

Plus, our Annuity Specialists can point out additional features of a base contract or rider that offer important benefits that may be attractive to your client such as chronic care or enhanced death benefits – the top payout is not always the best option to address your client’s concerns.

Another benefit of our Income Rider Comparison Worksheet is coming to light in conjunction with social security benefit timing and agents helping clients maximize their income benefits. Our tool can help you identify the client’s “income gap”, defined as the potential shortfall of their guaranteed income sources covering their required expenses. (See next page).

The development of GLWB riders has greatly enhanced the value proposition of the Fixed Indexed Annuity. Unlike an immediate annuity where the client loses control of the asset, they have the flexibility of turning income “ON” or “OFF” depending on individual financial circumstances, and additional product enhancements for chronic care and death benefits are well received by your clients.

Unlock the GLWB Information You NeedIf you are active in the guaranteed retirement income market and tired of hours spent researching a few products, or worse, offering all your clients the same solution regardless of their age, when they want to being income or rider costs, contact your GPLAM Annuity Specialist at 800.710.1115 for a sample Income Comparison Worksheet and learn how this tool can save you hours of frustration. They have the key to helping you quickly find the best income rider solution(s) for you and your client!

The key to finding the best income solutions for your clients!GPALM’s Income Rider Comparison Worksheet:

06.indd 3 10/4/2013 11:00:27 AM

• SocialSecurity• Pension• FixedIndexedAnnuitywithIncomeRider

Budget vs. Funding Resources

• FixedIndexedAnnuitywithIncomeRider

Expenses:

Required• Food• Utilities• Housing• Clothing• Taxes

Required• Transportation• HealthCare• Insurance

• Savings• MutualFunds• DefinedContributionPlans• Dividends/Interest

Discretionary• Travel• Hobbies• Gifts

GreatPlainsAnnuity&LifeMarketingcanhelpyou“fill the income gap”fortoday’sretirees!

Step One:Evaluate your clients’ expenses and retirement budgets.

Step Two:Identify expenses and place in appropriate Required and Discretionary categories.Required Expenses such as food, utilities, housing, clothing, taxes, transportation, health care and insurance must be funded by guaranteed income streams like Social Security, pension, dividends and interest.The Income Gap Dilemma – Many retirees find that their guaranteed income streams fall short of covering all of their Required expenses. This creates an income funding gap.

Step Three:Look for other sources of guaranteed income clients can rely on to fill the gap. One such source... a Fixed Index Annuity with an Income Rider. When clients purchase annuities with income riders, they can look forward to the best of both worlds... A way to continue to make money on their money while satisfying their need for income they can count on. This is an opportunity to get guaranteed income for life!

Step Four:Once enough money from guaranteed income streams is identified and in place to cover the Required expenses, you can look for other sources of income to pay for Discretionary expenses (travel, hobbies and gifts).

FORAGENTUSEONLY:Notforconsumersolicitation.Ridersandannuitiesarenotavailableinallstates.Pleasecheckforstateavailability.GuaranteedLifetimeWithdrawalBenefitRidersandAnnuityproductsareavailablethroughGreatPlainsAnnuity&LifeMarketing(GPALM).Thesecontractscontainlimitations.Foradditionalinformation,pleaseconsultthecontractsanddisclosuresoftheinsurancecompanyselectedorcontactGPALMorforcompletedetails.Guaranteesarebasedonthefinancialstrengthandclaims-payingabilityoftheinsurancecompany.


LetushelpyoufindthebestincomeforyourclientwithourIncomeRiderComparisonWorksheet!

from Great Plains Annuity & Life Marketing

Possible Gap in Income

Needs Dependable Funding

Needs Extra Funding

Call today for details on our complete suite of income planning tools!


07.indd 1 10/4/2013 11:00:45 AM


RICH’S HOT ANNUITY & LIFE PICKS!Equitrust Life Certainty & Certainty Select 3 2.00% guaranteed for 3 years, issues to age 90

Guggenheim Life Preserve MYG 4 2.25% / 2.35% 4 year rate, issues to age 90

Equitrust Life Certainty & Certainty Select 5 2.70% 5 year rate , issues to age 90

Equitrust Life Certainty & Certainty Select 6 3.00% 6 year rate, issues to age 90

Guggenheim Life Preserve MYG 7 3.20% / 3.30% year rate, issues to age 90

Equitrust Life Certainty & Certainty Select 8 3.15% 8 year rate, issues to age 90

Guggenheim Life Preserve MYG 9 3.40% / 3.50% 9 year rate, issues to age 90

Guggenheim Life Preserve 10 3.50% / 3.60% 10 year rate, issues to age 90

RICH’S FAVORITE MULTI YEAR GUARANTEE ANNUITIES:

American Equity Retirement Gold Good Bonus, Strong Income Rider, Good Commission

Athene Annuity Benefit 10 5 in 1 Riders for death, income & LTC Great Commission

Equitrust Life Market 12 12% Bonus, Great long term income rider, Awesome Commission

Equitrust Life Market Value Top Index Crediting Rates, great long term income rider

Gen Worth Index 7 Top Index Crediting Rates, Short 7 year surrender, Bailout Cap Option

Great American Amn Legend II Top Index Crediting Rates, Short 7 year contract, excellent Income/DB Rider Options

Great American Safe Return Top Index Crediting Rates, Bailout Cap Rate, ROP Option, excellent Income/DB Rider Options

NACOLAH Freedom Choice Incredible High Index Crediting Rates

RICH’S FAVORITE FIXED INDEX ANNUITIES

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Equitrust Life Choice 4 5.5% Commission on 6 Year Contract, Excellent Alternative to MYGA’s, 3.7% First Year Rate with Minimum Rate Guarantee of 2%

Equitrust Life Wealth Max Bonus SPWL Great Annuity Alternative, ROP Option Included Day 1, No Exam, LTC Benefit Included, Great Wealth Transfer, No Suitability, EXCELLENT COMMISSIONS!


RICH’S HOT ANNUITY & LIFE PICKS!

PAGE 9

Phoenix Life Personal Income Annuity Top Income Payout starting immediately to 2 years, shines at older ages too

Great American All Index Contracts Top Income Payout starting years 2 - 5. Includes Death Benefit Option.

American Equity (Tied) All Index Contracts Top Income Payouts years 7-20, Includes Additional Benefits

Equitrust Life (Tied) All Index Contracts Top Income Payouts years 7-20, Includes Lowest Charge

Athene Annuity All Index Contracts Great Income Payouts, Overall Value includes Death Benefit & Chronic Care

RICH’S FAVORITE INCOME RIDERS

OTHER PRODUCTS RICH REALLY LIKES!

8-9.indd 2 10/4/2013 11:01:15 AM

Do you have clients planning for a child’s or grandchild’s college education and frustrated by the low contribution limits and other restrictions placed on 529 and Coverdale Education Savings Accounts(ESAs)?

You might want to consider using a ROTH IRA as an alternative to increase contributions for a child’seducation funding. If structured properly, funds withdrawn from a ROTH IRA can be taken out income tax free. Even if you are using a 529 or ESA, a ROTH IRA can be an additional avenue of college savings.

Unlike these other plans, if your child or grandchild decides they don’t want to attend those institutionsthat are supported by a 529 or ESA (like a vocational or other trade related schools) use of a Roth IRA can be used for those needs too. Again, income tax free if structured properly.

It’s simple. Anyone eligible to make a ROTH IRA contribution (including grandparents or other interested parties) can take out a ROTH IRA and use this idea. ROTH IRA money can be put into annuities or other savings and investment vehicles which are often not available with 529 or ESAs. Of course this may not be feasible if your clients need their ROTH IRA for their own retirement income planning needs or have already maxed out IRA or Roth IRA contributions. If not needed for their own retirement, the IRS does not require distributions from ROTH IRA be used for the ROTH IRA owner. The Roth IRA owner can gift* the distributions to a child, grandchild, etc.

Overview of rules for eligible contributions to ROTH IRA:• $5,500 maximum under age 50 (2013); $6,500

maximum age 50+ (2013)• Phase-out for eligibility:

- Joint $178,000-$188,000 MAGI (2013)- Single/HOH $112,000-$127,000 MAGI (2013)

How to make “qualified” income tax free withdrawals from ROTH IRA:

• Roth IRA owner(s) must be at least 59 ½ or older at time of distribution and the Roth IRA is past its 5th year.

While there are some additional considerations such as death benefits paid out due to early death orsome additional options where funds can be taken out income tax free, those topics are beyond thescope of this brief idea and overview.

Please contact your Great Plains Annuity & Life Marketing or Midwest Insurance Partners representative to go over your particular client’s situation and help you decide which annuity product might be an appropriate fit.


Annuity Sales Idea

For Agent use only. Not for distribution to the public. The information on this idea is general in nature only and is not intended as tax advice. Please consult with a competent tax advisor on any of the ideas or opinions expressed to confirm applicability to an individual client. *See a tax advisor for rules on gift tax limits.

Mike LairSenior Vice PresidentMike’s 24 years of insurance experience includes direct sales, home office marketing and training positions and assisting independent agents with case development and training primarily in the Fixed Annuity market. During his previous tenure at GPALM, agents working with Mike represented an average of more than $45 M in annual annuity sales.

Consider a Roth IRA as an Educational Funding Alternative!

10.indd 1 10/4/2013 11:01:36 AM

Withdrawals before age 59 1/2 may result in a 10% IRS penalty tax. Withdrawals do not participate in index growth. Surrender of the contract may be subject to surrender charge and market value adjustment. Product and rider not available in all states. Contract may vary by state. MarketTwelve Bonus Index fixed indexed annuity is issued on contract form series ET-MPP-2000(02-05) with Rider ET-AVBR(06-09). Group Certificate issues on Form Series ET-MPP-2000C(01-07) and ET-IMVAC(07-09). Income Rider provisions and availability may vary by state. Rider issued on Form Series ET-IBR(06-08). Contract issued by EquiTrust Life Insurance Company, West Des Moines, IA.For Producer Use Only. AC13-M12-1137


MarketTwelve Bonus IndexTM Annuity•FullAccountValueatDeath–NoAnnuitizationRequired

•10%WithdrawalAvailableafterYear1

Income For Life 0ptional Rider•6.5%IncomeRiderRollupRate

•AnnualRiderFeeisOnly.50%

•Rollupfor15Years

12.00%BonusPaidOver3Years

8.50%MGACommission(Ages0-75)

THINK BIG!


Learn how your qualifying 4th Quarter EquiTrust Indexed Annuity sales could result in an additional

$1,500 -$4,000!

11.indd 1 10/4/2013 10:58:26 AM

If you have been paying attention to the Long-term Care market for any period of time, you know that more than a few carriers have left the business. Their policy holders have dealt with any number of rate increases, and are likely staring more increases in the face if they want to continue their coverage. Given current government budgeting woes, “safety net” social programs that many consumers currently rely on may well be much weaker or become non-existent in the future.

Typically, claims experience is used as the basis for rate increases. The other added pressure occurred when our current interest rate environment plunged and stayed low for an extended period. LTC products feel this impact just like life insurance policy reserves.

Added to the premium increases and interest rate stress, is consumer frustration with a

product that issued as a “use it or lose it” proposition for the policy owner. And when you look at the population growth of those aged 55 and older, the need for LTC benefits has never been more apparent. Most are extremely concerned with the high cost of care and the possibility of outliving their assets. They need solutions.

Fortunately, there are better solutions...

The new solutions for those who want to be self-sufficient and have benefits paid, even if they never file an illness claim, are choices we have available today for LTC benefits via Life Insurance plans.

With today’s products, there are many options to choose from. Premium payments can be anywhere from monthly to a single premium deposit with some entirely guaranteed to never increase. The amount available for LTC benefits can range from $100,000 to more

than $1million. Some plans even offer a return of premium. And, most importantly, should these benefits never be needed or completely exhausted, the beneficiary(s) receive a death benefit income tax free.

Regardless of your markets, if you are meeting with prospects ages 55 and older, it’s very easy to initiate a conversation regarding their LTC coverage or lack thereof. You’ll be in a very good position to show them options they have probably never seen before.

To learn more and take advantage of these new life solutions available to you and your clients call us today at 800-710-1115.

Dick Reynolds, CLU V.P., Life [email protected]

12.indd 1 10/4/2013 11:01:50 AM


When it comes to closing elephant-sized life insurance sales opportunities, communication and expertise are critical in correctly defining, developing and closing these cases. For some Agents, these big life cases occur several times a year and for others they are rare. But closing the big case can make a significant financial impact for that Agent when they are handled correctly and ultimately placed.

So what can get in the way of closing these important cases? Some obvious answers include:

• Competition from another Agent who was also contacted• Presenting the wrong product• Not fully understanding the sale and additional options that

could be presented to your client• Not having the reinsurance marketplace managed properly.

A not-so-obvious answer may be working with the wrong firm.• Does the firm have people who can discuss large and sometimes

complex cases?• Does the firm make recommendations or give you different ideas? • Does the firm run multiple carrier quotes to get the right product for your

client? • Does the firm have access to an in-house underwriter to interpret medical

records?• Does the firm order doctor records right away and not wait on underwriter’s review?• Does the firm know when to stop a carrier from going out to the reinsurance market and limiting their

autobind capacity?• Does the firm speak directly with Chief Underwriters? • Does the firm offer extra compensation to you on these larger cases?

If you can’t answer “Yes” to the above questions, Great Plains is familiar with all aspects of the Big Case Life Market, be it trunk, tail or tusk. We can meet your expectations with solid case recommendation and develop-ment, access to top carriers, and both in-house and external expertise to herd your case to completion.

When you run into an elephant-sized opportunity, call Dick Reynolds, CLU, VP Life Sales at 800-710-1115!

Are Your Expectations Being Met?

Big Life Cases—

13.indd 1 10/4/2013 11:02:06 AM

As we go to press for this issue of JUST THE FACTS,we are encouraged by recent fixed annuity rate increase announcements. We are still a long way from the old days selling our products on rate alone and that, in my opinion, is a good thing.

Congress’ approval rating is at an all-time low of 10%, and I have not heard a positive comment regarding the chaos inside the beltway for months. This leaves many newly-retired or soon-to-retire prospects with a sense of angst regarding their financial futures. Should we see a market turndown comparable to 2008 in the coming months, I believe many consumers will wish that someone had shown them the benefits of fixed and fixed indexed annuities.

You have the greatest opportunity in history with 10,000 Baby Boomers celebrating their 65th birthday everyday. They are concerned about the viability of Social Security and need help in understanding and claiming their benefits. They usually have had little assistance or education regarding creating a lifetime income stream and safeguarding their retirement futures, and the risks of a chronic care event or outliving their assets.

Agents that recognize the value of educating prospects on their financial options to secure retirement, rather than peddle a “one-size-fits-all” annuity product, are going to find they are creating appreciative clients referring friends and relatives.

Today’s annuity specialist recognizes the opportunity in providing income planning solutions. Great Plains offers a complete solution with our Income Rider Comparison Worksheet and IncomePLUS client presentation tools. Call us today for samples and to discuss a case!

You have the privilege of presenting products offering benefits and guarantees not found in other financial vehicles to people who desperately need your help.

We have the privilege of serving you with identifying the best product solutions to meet your clients’ needs and help you close the sale. We have the marketing tools, expertise and resources to ensure your success.

PARTING THOUGHTSRobb Edwards, Principal

[email protected]

Free Subscription to Broker World E-zine Visit www.greatplainsannuity.com/subscribeto sign up for a free digital monthly subscription to Broker World magazine with additional sales and marketing content for Great Plains. Broker World is the only insurance publication exclusively dedicated to the Independent Life and Health Professional.

Speaking of 4th Quarter Promotions…EquiTrust launched their 4th Quarter Indexed Annuity Sales promotion that can add some “pizzazz” in your income for the rest of the year! Your EquiTrust Indexed Annuity apps submitted between October 1– December 31, 2013 and issued and in-force by January 15th, 2014 qualify. Call for details—800.710.1115, and remember to ask about their Napa Valley trip incentive as well!


NSSA Training Coming in DecemberWe are finalizing details with Premier Social Security Consulting (PSSC) for a National Social Security Advisor (NSSA) certification class to be held in Kansas City in early December. PSSC is offering contracted Great Plains producers a substantial discount of $495 for this class—a savings of $300! Also watch for details on our 4th Quarter promotion that can cover this tuition and your travel expenses. Contact your GPALM Marketing Specialist for details... 800.710.1115.

14.indd 3 10/4/2013 11:02:28 AM


When your prospects begin to claim their monthly Social Security benefits (age 62, 66, 70 or anywhere in between) they will probably experience an “income gap”. This is the difference between their monthly Social Security check and their desired income.Fixed Indexed Annuities offer some of the best strategies to create reliable lifetime retirement income to meet their financial needs, plus additional benefit riders including Chronic Care and Enhanced Death Benefit provisions.To help you close the Income Gap, Great Plains offers a wide-array of quality FIA product solutions from the industry’s leading carriers, and the expertise of our knowledgeable Annuity Marketing Specialists to help you with case design, marketing and presentation materials.Educating prospect and clients regarding their Social Security benefits is the hot topic in today’s annuity marketplace. Call your Great Plains Annuity Specialist to discuss this great opportunity to engage prospects and to access the marketing tools to close more sales!

Do you help clients bridge the “Income Gap”?

MON

THLY

INCO

ME

INCOME GAP?

SOCIAL SECURITY

MONTHLY INCOME NEEDEDAGE 62

62 66 70

MON

THLY

INCO

ME

INCOME GAP?

SOCIALSECURITY


62 66 70

INCOME GAP?

MON

THLY

INCO

ME

INCOME GAP?

SOCI

AL S

ECUR

ITY


62 66 70

INCOME GAP?

Call us today for the tools you need to succeed!


15.indd 1 10/4/2013 11:02:44 AM

10901 W 84th Terrace., Ste. 125Lenexa, KS 66214


100% Independently Owned!

GPALM PRODUCERS ACCESS ANNUITY & LIFE RATES 24 HOURS A DAY!

Stop ignoring wealth transfer sales in the Senior Market!

Retired Baby Boomers...+ $Trillions in Assets= Incredible Opportunity!It’s estimated that Baby Boomers will pass more than $40 trillion of wealth to their heirs over the next 40 years. If you have senior citizen prospects and clients because you sell Annuities and or Medicare Supplements, you are already positioned to greatly improve your client’s (AND their heirs) situation, and earn $thousands in new commissions.

Take Advantage of this Opportunity!• Majority of Retirees are unaware of this important planning product• Some sales actually free up money to spend any way clients choose• Simplified & fast underwriting...easy to qualify, easy to SELL!• EXCELLENT Commissions!

If you’re in the Senior Market, you should be talking to your clients to make these sales...

One of our agents found $155,000 of “leave-behind” money, created a tax-free legacyamounting to over $275,000 and a $23,000 Commission check!

16.indd 1 10/4/2013 11:03:03 AM

just the facts - 4th quarter 2013

Documents

life marketing specialist

income rider research

gpalm annuity specialist

best income rider solutions

senior life specialist

current hot annuity

best income riders

life products available