Annuities

2015 Tax Season

Presented by David Corwin   Even though the tax season isn’t quite over for 2014, it’s still a great time to start planning for any tax situations that may arise for your clients.  This year has some changes of course, including tax rate schedules and forty or so other changes.  Adjusted Gross Income tax rates for 2015 are at the top of mind for most taxpayers.  Keep in mind that the Patient Protection and Affordable Care Act will increase many taxes on capital gains, income and other areas including, reducing tax deductions for high income earners and families.  See the new 2015 Tax Guide as a way to properly advise your clients in this year.
Life Insurance

Road Map to Costa Rica

Presented by Gary Peterson When we take a trip, it is nice to have a GPS system or road map. The same can be said with finding our way through our goals. Here is a guide to help you make Financial Brokerage’s trip to Costa Rica in April 2016. Keep in mind that only 55,000 Shares are required for this exciting trip. Depending on your clients’ age, here are a few easy ways to be in Costa Rica by selling life insurance (if you add in a few annuities, qualifying would be even easier!): 20 YEAR TERM $250,000 PREFERRED NONSMOKER <table style=”width: 100%;” align=”center”> <tbody> <tr> <td align=”center”>Age</td> <td align=”center”>Premium/Couple</td> <td align=”center”>Sales/Week</td> <td align=”center”>Total Weeks</td> <td align=”center”>Paid Premium*</td> </tr> <tr> <td align=”center”>35</td> <td align=”center”>$408</td> <td align=”center”>5</td> <td align=”center”>45</td> <td align=”center”>$64260</td> </tr> <tr> <td align=”center”>40</td> <td align=”center”>$480</td> <td align=”center”>4</td> <td align=”center”>45</td> <td align=”center”>$60,480</td> </tr> <tr> <td align=”center”>45</td> <td align=”center”>$780</td> <td align=”center”>3</td> <td align=”center”>45</td> <td align=”center”>$73,710</td> </tr> <tr> <td align=”center”>50</td> <td align=”center”>$1,104</td> <td align=”center”>2</td> <td align=”center”>45</td> <td align=”center”>$69,552</td> </tr> </tbody> </table> 20 YEAR TERM $100,000 PREFERRED NONSMOKER <table style=”width: 100%;”> <tbody> <tr> <td align=”center”>Age</td> <td align=”center”>Premium/Couple</td> <td align=”center”>Sales/Week</td> <td align=”center”>Total Weeks</td> <td align=”center”>Paid Premium*</td> </tr> <tr> <td align=”center”>55</td> <td align=”center”>$864</td> <td align=”center”>3</td> <td align=”center”>45</td> <td align=”center”>$81,648</td> </tr> <tr> <td align=”center”>50</td> <td align=”center”>$1,310</td> <td align=”center”>2</td> <td align=”center”>45</td> <td align=”center”>$82,530</td> </tr> </tbody> </table> *ASSUMES A 70% PLACEMENT RATE You can also earn up to 10,000 shares for each agent you refer to us based upon their production.  The samples above make the assumption that the carriers written are Tier 1.  For more information on our Shared Success program and to learn how easy it is for you to qualify for Costa Rica, visit <a href=”https://www.fb-inc.com/Content/ContentDisplay.aspx?ContentID=450″ target=”_blank”>www.fb-inc.com</a> &nbsp;
Life Insurance

2015 is Almost Here

Presented by Gary Peterson To help jump start your business see below. Life insurance left untouched may no longer be meeting your clients’ needs. By implementing a periodic policy review as part of your client retention process, you will keep a client’s protection program up-to-date and provide a valuable after-the-sale service. The net result will be happier clients, the identification of additional sales and more referral introductions. Here are some great resources to help you build policy reviews into your sales and service processes and make the most of every client relationship. Prospect in Your Client File Annual Review Checklist