“The difficulty lies, not in the new ideas,
but in escaping from the old ones.”
John Maynard Keynes
“The General Theory of Employment, Interest and Money”
Item #9 on Main Order Page
(then #7 & #8 on booklet
This is a 44 page booklet that tells your prospects and clients "WHY" they want an IUL policy AND the "BEST" way to Design it for maximum long term performance!
[There are 2 versions - see below]
This booklet starts by describing the features of the "Ideal Investment" and the WSJ article about IUL. Next it explains why they need to invest in "stocks", but how those have let them down with the recent "Lost Decade" and the continual Bear Market roller coaster.
Next it describes the features that need to be considered in an IUL:
- Company Ratings
- Accelerated Death Benefit
- Index Caps
[for the above there are charts listing each co.]
- Long Term Care
- Sweep Frequency
- Different Index Choices
- Over-Loan Rider
- No Lapse Guaranty
Next it goes into detail showing:
1) A policy designed with Option A vs. Option B.
2) The next step is showing the income for each with a Fixed Loan vs. Variable Rate vs. Participating Loan.
3) Policy Costs chart (0.3% lifetime).
4) Best Design: Inflationized - Premium and Income.
5) IUL Benefits vs. Qualified Plans.
6) IUL Benefits vs. Roth
7) "Own Banker" Strategy
8) Best College Savings Plan
9) IUL vs. Paying Off the Mortgage
There are 2 versions of the Booklet:
1) RANKED: Filters through all the benefits and CV/Income performance, and ranks Midland, Minnesota & N. American as the best policies.
2) GENERIC: The companies are listed to show current Ratings, ADB and Caps, and for the different features such as Over-Loan and VLR states which co.'s have or do not have it. There is however NO company recommendation.
IF you want a quick to read booklet that informs your client about all the essential factors
to be considered in an IUL,
then look no farther!
These are the articles in the Booklet to provide 3rd party validity why they need an IUL:
WSJ on IUL
CNN: New Asset Class Invetment
Kiplinger: Life Insurance is a good retirement investment
TIME: Why It's Time to Retire the 401(k)
Putnam CEO: We need a new generation Retirement Plans
NYTimes: Retirement Sprint to the Finish
Forbes: Deferred Tax Trap
Market Watch: 10 reasons to shun stocks
ASJ: Why IUL is a great alternative to Qualified Plans
Chicago Federal Reserve: Stop making extra house payments
"It ain't what you don't know that
gets you into trouble.
It's what you know for sure that just ain't so."