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CAST OFF FOR PFG's 2013
SOUTHERN CARIBBEAN CRUISE.
March 16th – 23rd, 2013
Don't miss this one!!
Qualification Period is:
Jan 1st, 2012 through Dec 31st, 2012
(Yes...you have already begun to Qualify!!!)
Production Requirements to Qualify:
* $2,000,000.00 of Annuity / Single Premium Life.
or * $200,000.00 of Target Life Premium.
* Any Combination of Annuity & Life Shown Above.
Click Here Qualification Details:
Cruise Qualifications
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Click here for online details of the ship.
Click here to view a video of the ship.
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EARN DOUBLE CREDIT!!!
ALL F&G PROSPERITY ELITE premiums written from
3/1/2012 to 5/31/2012
will receive DOUBLE CREDIT for cruise qualification.
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May 2012 - No Underwriting!
An Annuity Solution for Chronic Care Benefits.
| The AltiSure Group Introduces:
The Protected Solutions Annuity
Finally! A Simpler Annuity Solution For A Complex Problem.....
.......The Catastrophic Cost Of Chronic Care
Are your clients frustrated with the lack of meaningful alternatives to traditional
Long Term Care Insurance?1
Are you tired of the complexities and uncertainties of fully underwritten
chronic care product solutions?
Want a simpler solution for your clients that offers strong growth options AND
powerful funding for Chronic Care, if needed?
Key Features:
Up to 400% of premium Chronic Care Benefit2 (Applies to issue age 65 and below, assumes no withdrawals.)
Up to 200% of premium Enhanced Death Benefit2 (Applies to issue age 60 and below, assumes no withdrawals.)
No underwriting - 4 “Yes / No” Health Questions
Choice of Indexed or Fixed Interest strategies
Tax Qualified funds can be used for premiums!1
Click Here For Client Brochure:
Protected Solutions Brochure
Click Here For Current State Approvals:
State Approvals
We will be hosting a detailed Product Training Webinar on Tuesday, May 22nd at 9:00 am Pacific / Noon Eastern.
Click Here To Register:
Webinar Registration
This exclusive product will be available for sale on June 4th and is only offered through a very limited number of IMOs.
1The Chronic Care Benefit is not Qualified Long-Term Care Insurance as defined in the Internal Revenue Code
and it does not qualify for any preferred tax treatment; withdrawals may be subject to taxation. If this annuity is
purchased as part of an IRA (other than a Roth IRA), Required Minimum Distribution rules apply.
2Availability of enhanced benefits begins in year 6 and grows over the subsequent 10 years to the maximums noted.
The Protected Solutions Annuity (10FIA, 11EWB, 11GMDB-A.1, and 11RSP) is a single-premium indexed annuity issued by PHL Variable Insurance Company ("PHLVIC"), Hartford, CT and offered exclusively through The AltiSure Group. PHLVIC is not affiliated with The AltiSure Group or PFG. Product features and availability may vary by state. PHLVIC is not authorized to conduct business in NY and ME.
Guarantees are based on the claims-paying ability of PHL Variable Insurance Company.
BPD38332 5/12
| 03/01/2012 - "I'd Like To Thank
The Academy."
|
OK, so maybe we do have a little "Oscar fever" but the PFG Annuity Academy is
really something to celebrate. Where can a producer go to get help and support today,
if they want to enter or expand into the annuity market place?
- Would you like to offer annuities to your clients but feel you don’t
know enough about them?
- Are you frustrated with the lack of meaningful annuity sales training that is available to you?
- Are you an experienced annuity agent who needs to brush the rust off with fresh ideas and concepts?
Welcome to the PFG Annuity Academy where you will learn everything you need
to know to add annuity sales to your practice. Your annuity training will be presented in 5
one hour live training modules.
Here are the topics for each module:
Module 1 – Compelling Sales Presentations
Module 2 – How Annuities Work
Module 3 – Completing the Sale
Module 4 – Handling Common Objections
Module 5 – Retirement Income Planning
For a more detailed overview of each module, Click here:
Annuity Training Modules
These Training Modules are FREE to any Licensed Producer.
Our only requirement is that you contract under PFG Marketing Group, Inc. with one
of our primary carriers before you start your third module.
To Register for the PFG Annuity Academy Click here:
PFG Academy Registration
PLEASE NOTE: The first time you go in to register for the PFG Annuity Academy, be sure to
first click on the 'Register for an account' link just below the Login button.
| | 03/01/2012 - Looking for a 10% Bonus? -
The Bonus Ten Annuity.
|
The Bonus Ten....a Super Competitive Fixed Indexed Annuity with a 10 year
surrender schedule and a 10% bonus from Oxford Life Insurance Company, a “Wards
Top 50 Company”.
Issue ages 18-80.
10% Premium Bonus up front which vests over 10 years.
Commissions - 6.5% 18-75, 5.00% 76-80.
Minimum premium $20,000 - Maximum $350,000.
Low cost income rider at only 50 basis points (0.5%).
8.0% compounded rollup guaranteed for up to 10 years on income account.
Death Benefit is equal to the full accumulation value.
Terminal Illness, Home Healthcare and Nursing Home Riders that waive surrender charges.
For product details on the Bonus Ten, click here:
Product Guide
To view current state approvals, click here:
State Approval Chart
To view current interest rates, click here:
Interest Rates
Win a trip to Disney. Click here for details:
Disney Contest
For a quick overview of Oxford Life Ratings & Financials, click here:
Oxford Life
Contracting for Oxford Life is all done "Online". Please call the
PFG office to get the online process rolling.
| 03/01/2012 -
Safe Return From Great American Life.
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An “A” Product from an “A” RATED COMPANY. Though this product has been around
for a while, it is too often overlooked. If your desire Truly is to provide your client
some of the BEST Payouts in the Industry and some of the BEST product features from an
excellent, AM Best “A” rated company you should remember to keep this tool available in
your arsenal.
Issue ages 0-85
Guaranteed Minimum Surrender Value, (GMSV) 1% on 100%
RETURN OF PREMIUM No charge.
Death Benefit available on Income Sustainer Plus
(Pays the greater of account value, GMSV or Return of Premium).
Bailout Cap on index strategies
(Early withdrawal charges are waived
if the strategy's cap ever falls below its bailout cap.)
Two Optional Income Riders; Income Sustainer and Income Sustainer Plus (Includes Death Benefit.)
NO MVA
Graduated payouts on income riders. Payout rates increase by 10 basis points each year.
Some of the Best Payouts in the Industry.
To get a detailed description of Great American Life's indexed Annuities, Current Rates, State Approvals and
much more, click here:
Great American Indexed Annuities
| 03/01/2012 - Prosperity Elite
Series from F&G Life.
| The Hottest Annuity on the market today!
Sometimes a product comes along that gets everyone excited and this is it! If
there were an Academy Award for FIA products, this one gets the Oscar
nomination.
Issued through age 85. Up To 9% Premium Bonus. The Income Rider Compounds at 6.75%.
Payout Can Double if 2 of 6 ADL's cannot be performed (Confinement not required). Three Death
Benefit Options. Up To 8% Commission through Age 79. No chargebacks upon death.
For a short product presentation, click here:
Prosperity Elite Brainshark Presentation
For a product overview brochure, click here:
Prosperity Elite Overview
To view transitions rules for lower income rider payouts, click here:
Transition Rules
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03/01/2012 - "Dressed To The Nines" - 9 Year Surrender... 9% Comp. |
Fidelity & Guaranty Life Choice 9
A 9 year flexible-premium indexed annuity available in all states except OK, OR, UT & VT.
This works perfectly for "10-10" States. |
| Fidelity & Guaranty Life Choice 9
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Issue ages 0-85.
3% premium bonus on first-year premiums.
Commission through age 79: 8% in Lite States, 9% in all others.
No chargeback on death.
Fixed-rate interest and five index-based strategies.
Minimum guaranteed interest of 1% on 103% of premium.
No Market Value Adjustment.
Full account value on death.
Income For Life Rider available with 6.5% compounded roll-up for
up to 20 years.
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Click here for Choice 9 Product Highlights:
Choice 9 Highlights
Click here for Choice 9 Product Brochure:
Choice 9 Brochure
Click here for Income For Life Highlights:
Income For Life Highlights
Click here for Income For Life Brochure:
Income For Life Brochure:
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| 03/01/2012 - The Next Evolution....
A MYGA With An Income Rider
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The Income Protector....a 5 year Multi-Year Guaranteed Annuity with an Income Rider
from Oxford Life insurance Company, a “Wards Top 50 Company”.
Issue ages 18-80.
3.0% guaranteed for 5 years with option to renew for another 5 years.
Income Rider included at NO CHARGE.
8.0% compounded rollup guaranteed on income account.
Income account rollup is GUARANTEED to always be 5% greater than the annuity crediting rate.
Death Benefit is equal to the full accumulation value.
NO Administrative Fees.....100% of accumulation value will work for you.
10 year surrender schedule with a 30 day window to surrender penalty free
after 5th Anniversary.
For product details on the Income Protector, click here:
Product Guide
For the Agent Guide on the Income Protector, click here:
Agent Guide
To view current state approvals, click here:
State Approval Chart
To view current interest rates, click here:
Interest Rates
Win a trip to Disney. Click here for details:
Disney Contest
For a quick overview of Oxford Life Ratings & Financials, click here:
Oxford Life
Contracting for Oxford Life is all done "Online". Please call the
PFG office to get the online process rolling.
| 03/01/2012 - Hot MYGA Rates In A
Cold Interest Environment.
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Athene Annuity & Life Assurance Company, formerly Liberty Life Insurance
Company since 1909,
presents this Multi-Year Guarantee product with great rates and features
that will put you in a position to capture safe money that you may be missing out on.
This product has all of the features that you and your clients are looking for. To assist you
in preparing to present
this product to your clients we have created the links below to the following important pieces.
Just click on them and you can view or download everything you need to get rolling.
Product Spec Sheet:
Click Here
Current Interest Rate Sheet:
Click Here
State Approval List:
Click Here
Company Overview:
Click Here
Contracting and Commission Forms:
Click Here
Website to state specific forms and information:
Click Here
Once you have gone over the product, if you have any questions please give us a call.
This is an Ultra Competitive Product. Get your contracting in to us today.
Great Rates 4.10% Year 1, 3.10% Guaranteed Years 2-7, 3.24% Effective Yield
Interest Withdrawals Available Immediately
10% Penalty Free After One Year
100% Waiver for Confinement (90 days)
100% Waiver for Terminal Illness!
Full Death Benefit
| 03/01/2012 - This FIA Gets
The Oscar Nomination For Best Accumulation.
| From Athene Annuity & Life Assurance Company,
formerly Liberty Life Insurance Company since 1909.
If there were an Academy Award for FIA Products, This One Receives
The "Oscar Nomination" For Best Accumulation.
10 year product
Issue Ages 0 - 80
Still has great Cap rates
5.50% Annual Point-To-Point Cap
3.25% Monthly Point-To-Point Cap
3.50% Fixed account
Two optional income riders
6.00% compounded rollup for 10 years
1% immediate income bonus income base, (credited the day the rider is issued)
Enhanced GLWB feature, includes payout goes to 1 1/2 times, if 2 of 6 ADL’s cannot be met
Choice 10 product sheets and links:
Choice 10 Product Sheet:
Click Here
GLWB Spec sheet:
Click Here
Enhanced GLWB Spec Sheet:
Click Here
Interest Rates and Caps:
Click Here
Liberty Life Company Overview info:
Click Here
Contracting and Commission Forms:
Click Here
| 03/01/2012 -
Agent Training Requirements
| The requirements placed on producers for
training and continuing education are becoming more and more challenging. It is
critical that you check with not only your state but also each carrier to
understand what they require of you in order for you to sell their products.
Each carrier is different in their approach to new Suitability and Agent
Training requirements. Some are adopting the 'Models' across the board and
others are going state by state as each implement new requirements.
RegEd, one of the premier industry training providers has provided a useful
Training Requirement Map to assist you in identifying current requirements.
Please click here to view:
Training Map
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This tool is provided courtesy of RegEd who has an excellent reputation. The training
requirements indicated may also be provided by other vendors.
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