Refinancing mortgage insurance – A new look at an…

Presented by Brian Leising Interest rates recently hit all-time lows and the U.S. is on pace for 5 million home sales this year. More and more people every day need to protect their homes in case of an untimely death. Did you know you can offer your clients more than just an old-fashioned mortgage term life policy? Give them more than just death benefit protection. Decrease premiums to save your clients money -Protective’s Custom Choice UL can be crafted to mimic the old decreasing term policies -Ladder term life policies to achieve huge discounts Living benefits can provide your clients with money -Disability riders pay the mortgage while unable to work -Critical illness riders pay the mortgage while recovering from severe illness -Long term care riders pay the mortgage during long recoveries Pay the mortgage early with policies that make your clients money -Return of premium term could pay a 30 year mortgage in 25 years -Index Universal Life could pay a 30 year mortgage in about 20 years Learn to sell to this growing market today. Ready to make the move?

Retirement and Social Security

Presented by David Corwin The Social Security Administration estimates that 96% of American workers are covered by Social Security. Many Americans, however, don’t have a full understanding of Social Security and the benefits it provides. For example, many people are not aware that:
  • Social Security is currently the largest social insurance program in the U.S., funded through dedicated payroll taxes called Federal Insurance Contributions Act (FICA).
  • If they are injured or become ill and cannot work, they may qualify for Social Security disability benefits.
  • If they die prior to retirement, certain family members may be eligible for Social Security survivor benefits based on their work and earnings record.
  • The Social Security retirement benefit is designed to replace a percentage of earnings at retirement and the amount received will depend primarily on two factors…lifetime earnings history and retirement age.
  • Depending on year of birth, taking Social Security retirement benefits early can result in as much as a 30% reduction in the retirement benefit that would be payable at full retirement age.
  • On the other hand, deferring Social Security retirement benefits to age 70 can result in as much as a 32% higher retirement benefit as compared to the benefit available at full retirement age.
  • A portion of the Social Security retirement benefit may be subject to income tax.
  • There are a variety of strategies that can be used to enhance the value of Social Security retirement benefits.

For most people, their monthly Social Security check will form an important part of their retirement income.

Pension Maximization

Presented by Gary Peterson Defined benefit pensions can present a challenge to clients who want to maximize retirement payouts and also provide income for a surviving spouse. The pension maximization approach provides an ideal solution using life insurance to bridge the gap. Here are some great resources from one of our carriers to help you discuss pension maximization with clients and prospects. Pension Maximization Quick Tips