Last month’s introduction of the new Performance Elite products from Athene continues a recent trend of focus on accumulation as opposed to income rider benefits. Why are we seeing more prouducers leaning this way? Guaranteed incomes are down. Many of the newer riders use stacking of guarantees and projections to get to a higher income account value, but lower guaranteed income value. While actuaries can explain why this is, it’s a great lesson in disconnect between sales and actuaries-they forgot we sold it because it was guaranteed.

Accumulation opportunities are up. Uncapped crediting strategies offer a real and viable alternative to otherwise low caps and low fixed rates. Consumer expectations are changing. Our clients are beginning to understand that we might see rate increase, but not the big spike that kept many from taking advantage of our longer term higher rates. Producers are changing their outlook. The income rider sale limits our clients options more than any surrender charge ever could. Producers have noted that they can offer better returns with the newer uncapped strategies, great systematic income and the opportunity to be more nimble in the future.

In short, the accumulation sale is alive and well and we have some of the best accumulation designs available!

New People As you can see, we are on the grow again. We are fortunate to welcome two exceptionally experienced players to your team here in Omaha-welcome Logan and Marcus!

New Incentive Give us a call on the new Performance Elite- 12% premium bonus, return of premium, up to 20% liquidity, and an ultra competitive uncapped strategy - and join us in Miami for golf and fun for only $500,000 of Performance Elite premium. (see center insert)

Finally We have enclosed a registration form for our upcoming Annuity and Life Academies. If you have interest in attending one of these priceless sales and marketing events, complete and fax back the registration form included in the centerfold of this newsletter as soon as possible.

I hope your summer is going well and as always, thank you for being part of the IAMS Family!

New Trend, New People And A New Incentive

Register for the August or October Academy today!

See Centerfold for More Details.

Steve MurrayExecutive Vice President, CMOwww.iamsinc.com | steve@iamsinc.com

All Expense Paid Academy Registration Inside!

3 Days of Golf and Sun in Miami!

Plus $25000 CashOnly 500,000 Annuity Production!

See Centerfold for More Details!

Trump National Doral

Call Now!800-255-5055

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In This Edition- Pg 1New Trend, New People And A New Incentive

- Pg 2Be The Hero In Your Clients Retirement Story

Throw Your Older Clients an “Annuity Preserver”

Term Alternative to age 120 with accelerated benefits!

- Pg 3Help Your Clients Control Their Financial Destiny

Can’t Touch This?....Look Again!

- InsertIAMS Exclusive Trip

Academy Registration Fax Sheet

(800) 255-5055July 2015Life & Annuity Newsletter

Welcome IAMS Newest Staff Members

Marcus SollerLife Sales DirectorMarcus Soller has had the privilege of helping top producers grow their practices since 1991. He has personal experience as an

advisor in the field, home office employee, and coach to top producers for many years - an invaluable resource to our producers! He truly understands you and what it takes to succeed in the business, and offers a wide range of support to increase ease of business, help with difficult case design, and implementation of marketing programs and business operations assistance.

Logan IrelandAnnuity Sales DirectorLogan is a 2nd generation agent that entered the insurance and financial services field in 2004 and has been using various

annuity strategies as a solution for clients, agents and advisors since then. Logan, along with his wife Pam and father Don, owned 3 Insurance Agencies in Missouri and prior to that he wholesaled variable annuities and obtained the designation of Certified Retirement Counselor.

407 N. 117th Street, Suite 100Omaha, Nebraska 68154-2510

www.iamsinc.com

“Look Inside for quick Hot Tips from our Sales Directors.”

BUNKERS & BEACHES BLOWOUT

Second Annual IAMS / Athene Annuity

September 13 - 16, 2015Only $1,000,000 Athene Annuity Premium

November 1, 2014 - July 31, 2015

Golf, Sunny Beaches, Luxury Spa, Shopping & World Class Night Life!

Trip awarded at discretion of Insurance Agency Marketing Services, Inc. to producing agents only; both credits and award are NON-TRANSFERRABLE. Agents must be in good standing and currently appointed with the company. Award includes airfare, hotel and selected activities. No financial or other considerations available in lieu of attendance.

800-255-5055

Go to iamsmiami2015.com for more details!

Qualify by selling

$500,000 of Athene’s

new Performance Elite

between June 29th and

August 15th!

Super Special OpportunityBe among the first 5 producers

to sell $500,000 of Athene’s new Performance Elite between June 29th and August 15th and

punch your ticket to the Trump National Doral!Great Golf on us and all the excitement of South Beach!

And that’s not all! We’ll throw in $250 spending cash!

Special Opportunity!

Travel InformationDriving Flying

Name: _____________________________________________________________________ Address:__________________________________________________________________

___________________________________________ Phone # ____________________________________________________________________ Cell # ______________________________________________________________________ Fax # ______________________________________________________________________ Email ______________________________________________________________________

How many years have you been in the business? _______________ What is your primary market? ___________________________________________

How do you prospect or obtain your leads? Seminar Direct Mail Internet Lead Source Other

Are you full time in the business? Yes No

How much premium have you written in the last 12 months?

Annuity $ __________ Life $ __________

LTC $ __________ Other $ __________

What carriers do you currently use? _______________

_____________________________________________

____________________________________________________________________________

Do you currently have subagents reporting to you? Yes #_________ No

Are you interested in client seminar presentations? Yes No

Have you held seminars in the past? Yes No If so how many? ______

Fill out the information below and fax back to 402-330-7296 to reserve your spot today for an upcoming FREE Life and Annuity Academy

Ph: 800-255-5055 Fax: 402-330-7296

For Agent Use Only. Not for use with the general public.

Incredible Business Building Opportunity

Limited Time & SeatingFax Back Today!

All Expense Paid Life & Annuity Academy!

August 12-14, 2015

October 21-23, 2015

Simplify your search for term insurance with one of our no lapse guarantee contracts to age 120. Rid your clients of conversion hassles and rate increases - guaranteed! Provide your clients with a permanent plan that is guaranteed for the length of time they desire, with a guaranteed premium to match. These

products do not build a cash value, rather concentrate on providing the guarantees they require. Your older clients can design a perfect fit to their needs whether that need is 20, 30 or more years of guaranteed coverage. Consider these products for your clients who are paying exorbitant premium on outdated policies that are building unneeded cash value, while tapping into their need for other retirement expenses. This product is also an excellent single premium life alternative for your healthy senior client willing to complete a physical exam to take advantage of preferred underwriting. No matter the case these newer designs offer premium savings, a tailored fit and the added benefit of accelerated benefit riders for terminal, chronic or critical illnesses. To learn more about this new breed of life insurance products call and ask for anyone in our life sales development team today.

You may be thinking that the rates on some of your older annuities make them untouchable. After all nothing is guaranteeing more than 3%, and the funds are completely liquid-what is better than that in today’s market?

Consider that you may be focusing too much on the guaranteed rate

and not enough on the opportunity for higher returns and a closer tailoring of the product benefits to client needs. Many producers have taken advantage of of a great annuity alternative to blow the dust from their old files.

Offer a 5.6% 25 year look back and an 8% cap on the one year point to point. Your client will take advantage of the tax deferred growth, enjoy the bump in value with the 12% premium bonus and an income tax free benefit! For your clients that are concerned about the high cost of standalone LTC plans, and the many that are concerned that they are paying that high cost for a benefit they would prefer to never use, this plan will provide 36 equal monthly benefits for Nursing Care or 60 equal monthly payments for Chronic Care. Let’s suppose annuity rates become more favorable and the 5.6% is not so attractive, your client could exercise the return of premium feature and 1035 exchange the money into a new more favorable annuity. If any of these opportunities sound too good to be true, it’s time for you to take a closer look.

“Look where?” Review your client files and look for those annuity contracts that are beyond their surrender period; also consider those clients with annuities they are not drawing an income from, those that purchased the annuity only to pass on to the next generation. Don’t count out clients that have IRA’s or other qualified assets that do not want or need RMD’s, as the newest products offer great solutions for those clients as well. Then look to your life team here at IAMS for the right fit for each client’s need! The quick turnaround from submission to commission will surprise you and, speaking of commission, you can count on payouts between 9 and 15%.

Throw Your Older Clients an “Annuity Preserver”

Ever had an older client aggravated that they are being required to either surrender or annuitize because of their age? Faced with the lump sum tax consequences or an annual tax bill, they are frustrated that they are being forced to pay taxes on funds that they do not need and don’t have a better place for in today’s rate environment.

Great news! We have a product that is available to age 100 with competitive guaranteed rates - in fact, our highest rate in the market today for its surrender period! Now clients can avoid forced annuitization by moving the funds via 1035 transfer to a competitive annuity, avoid current taxation and keep the funds growing at better rates than they expect. Give us a call and let us help you rescue this under-served age group. We’ll be glad to help you toss a much needed “annuity preserver” to your older clients!

Term Alternative to age 120 with accelerated benefits!

Can’t Touch This?....Look Again!

Sandy Vacanti

Mark Ramaekers CLU, ChFC

Shawn Brink

Give Sandy a Call Today!

800-255-5055

800-255-5055

“You can get a lot of money off the sidelines by mentioning ultra short MYGA’s

(3yrs.), strong historical returns on 5 yr. FIA’s and return of premium features.”

It has been said that banking is the most important business in the world. Without it, all business comes to a screeching halt. If this is true, then the prudent path would include our active involvement in two businesses; the insurance business we specialize in and the business of banking.

Over the past 5 years I have been actively working with my clients and developing new clients by helping them position themselves as their own banker. By using a specially designed and properly structured life insurance product, you can guide your clients to take full control of their money and the leverage it provides. Properly structured use of this product protects and grows the asset, provides a pool of assets that are easily accessed for a multitude of financing needs, can contribute mightily to your client’s retirement income plan and is a natural source of generational wealth transfer.

More and more people are discovering privatized banking and its potential to transform their own financial situations. As the demand for “banking polices” grows, so too does the demand for financial professionals who can properly educate their clients on how to achieve financial freedom from the expenses of traditional banking. With a little training and assistance, you can open up a new avenue for business and an entirely different way to approach existing clients- both will provide you financial and personal reward. I would be glad to talk with you more about this opportunity, give IAMS a call today and let’s get started!

Help Your Clients Control Their Financial Destiny

Anthony LawrenceTop Producer

Many boomers have a critical missing chapter in their happy retirement story-guaranteed income. The lack of traditional pension plans has left a large gap in the flow of income and, while many have the savings, they have neither the understanding nor the advice they need to convert it to steady income.

This shortcoming opens them up to the dire prospect of self directing their income flow in times of low returns and high volatility- a recipe for a very sad ending to any retirement story and one that many don’t see coming until it’s too late.

Fortunately, we have one of the best possible solutions to this dilemma- “The Dreaded Annuity.” For the uninitiated, the entrance of The Dreaded Annuity into their personal story represents the surrender of control of their own money to The Abominable Insurance Company. What they don’t know is that the products we offer today bear no resemblance to The Dreaded Annuity.

Today, your retirement savings can guarantee income, offer supplemental income for long term care needs and create death benefit. While still offering more upside and flexibility.

That being said, many options available in the income rider market can be confusing, let IAMS simplify your sales presentation with one of our Income Comparisons. We’ll listen to what you are looking for, simplify to three options, and show you side-by-side comparisons that make it easy to decide which is the best fit and offers the best income. Give your clients the gift of the best lifetime income and you’ll be their hero.

Be The Hero In Your Clients Retirement Story

Matt Tooher, CLU

“Ask us for an income payout comparison to show your client the three best income options

- it will make you more sales”

Brand Yourself Every Month for Only $.38/client

“Our CD alternative guide is free, personalized and you’ll definitely use a

piece or two -ask for it today.”

A “Delicious” way to keep in touch with your clients on a monthly basis.

IAMS Exsclusive Recipe Mailing Program

Give Sandy a Call Today!

800-255-5055

2.55% 4 Years Guaranteed!

- Issued to Age 100- 4 Year Surrender

- Withdrawal of Interest

Call Shawn for Product Details.

3www.iamsinc.com • 800-255-5055

Insurance Agency Marketing Services July 2015

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