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Bill Broich - EzineArticles.com Expert Author
Bill Broich is an annuity saleman who specializes in annuity marketing, both online and offline. He's well known in the industry for record-breaking sales. His nickname is the 89 million dollar man.
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- Common Estate Planning Mistakes and Tips to Avoid Them - Don't Lose Your Assets!
[Finance:Estate-Plan-Trusts] Make certain your estate is protected and liability is minimal. Learn these basic steps to be protect your assets and reduce your liability.
- Don't Copy Another Agent's Annuity Marketing Plan - Do it Yourself
[Insurance:Agents-Marketers] Make your own annuity marketing plan yours, never copy what another agent is doing. Set your marketing plan by selecting your target market.
- Closing More Annuity Sales Prospects - Keep it Simple Stupid
[Insurance:Agents-Marketers] The close is the simplest part of the whole process if you have done one thing. Completed a Fact Finder and understood the feelings of the prospect. The sale is expected once a Fact Finder is completed and the need is understood.
- Be Annuity Marketing Smart - Use Science Instead of Art in Direct Mail
[Insurance:Agents-Marketers] Never depend on your "Gut" get verifiable results before investing your marketing money. Science trumps Art in direct mail marketing.
- Annuity Lead Generation Needs to Be Multi-Faceted - Don't Make the Mistake of One Step Marketing
[Insurance:Agents-Marketers] Marketing for annuity leads should never be one sided nor narrowly focused. Concentrating on just seminars, radio or direct mail as an only source of lead generation is a mistake.
- IRA Management - Maximize Your Client's Options and Move That Money and Make That Sale
[Insurance:Agents-Marketers] Move your client's 401 (k) money to an IRA and provide more safe and secure benefits. Helping your client helps make a sale for you.
- Timing is the Marketing Key - Make Sure You Understand How Timing Effects Annuity Sales
[Insurance:Agents-Marketers] Timing is everything when it comes to marketing. I want to buy a new car but have to wait for a year but in the meantime I visit several cars dealerships. Of course the salesperson does everything possible to sell me a car that day but how many follow up with me and make their services available on a regular basis. My experience has been zero.
- Image Marketing is a Waste of Money - Market to Prospects, Learn How an Annuity Pro Does It
[Insurance:Agents-Marketers] Many insurance agents think that image marketing will help build prospects and clients. Nothing could be further from the truth, image marketing does not work unless you have an unlimited budget and even then it is questionable.
- Make Huge Annuity Sales by Setting Your Marketing Plan - Learn How to Target Market
[Insurance:Agents-Marketers] Directing your marketing to "everyone" but to "no one" as a target guarantees that your marketing will be ignored. Many insurance agents have failed to determine who their target market is, the demographics of their target market and how to reach them effectively and efficiently. The mistake of not selecting and marketing to a specified target market.
- Which is Better, a Bank CD Or an Insurance Company CD? Use This Quiz to Get Tons of Annuity Sales
[Insurance:Agents-Marketers] Use this simple test with your prospects to get more annuity sales. Once they learn the benefits of annuities it is easy.
- The Money Transfer, Get the Money Transferred For a Quick Sale
[Insurance:Agents-Marketers] Make sure the money is transferred, no money no sale. Learn the secrets of how to do it.
- The Annuity Product, It's Not Important
[Insurance:Agents-Marketers] The actual product is not as important as the need it is fullfilling. Make certain to focus on the need not the product.
- The Presentation is Important to Making an Annuity Sale - But, it Must Be Simple
[Insurance:Agents-Marketers] If you make the presentation complicated, the sale will be lost. Simple sells.
- Find the Need to Generate Annuity Sales, Need Selling Means Annuity Sales
[Insurance:Agents-Marketers] The key to annuity selling is understanding the prospect's needs. The sale is the simple part.
- Be Smart, Become a Celebrity, Create Your Own Radio Show, Generate Constant Annuity Lead Flow
[Insurance:Agents-Marketers] Get control of your lead generation by becoming a radio celebrity. Outsource to professionals and focus on annuity sales.
- Fixed Annuity Marketing - Use the Fact Finder to Explode Your Fixed Annuity Sales Leads
[Insurance:Agents-Marketers] Selling annuities is about understanding how a prospect feels. Once you understand how a prospect feels you can then decide if your annuity products can provide the desired benefits.
- Creative Marketing Annuities - It's All About the Relationship!
[Insurance:Agents-Marketers] The Master's Series: The Relationship. Learn from an annuity professional how to build relationship that turn into sales.
- Discover How to Prospect For Annuity Leads - Super Agent Shows You How!
[Insurance:Agents-Marketers] What is a lead really? What guidelines should an agent use to define a reasonable lead? The quality of the lead should be based on two agendas.
- Annuity Seminar Selling is Basic to Success in Annuity Sales
[Insurance:Agents-Marketers] Tips for Seminar Annuity Selling Success. Learn how to hedge your bets with seminar marketing.
- Marketing Annuities - How to Fail
[Insurance:Agents-Marketers] Are you marketing your annuity business correctly? Or are you failing?
- Annuity Leads, What Really is the Definition?
[Insurance:Agents-Marketers] Have you ever asked yourself what really is an annuity lead? An annuity lead is a name of potential buyer that often comes with contact information, income range, age, email address and possibly other basic information.
- Marketing Insurance - Be Tough When Marketing Insurance Products - It's Not That Hard
[Insurance:Agents-Marketers] Selling annuities and other insurance products is not that hard as long as you have a system to generate a constant flow of leads. Use an outsource to accomplish your lead generation goals.
- The Investment Pyramid, Think in Reverse
[Investing] When considering risk in your involvements, think about the Investment Pyramid in reverse. Use the available options in annuities to provide financial success. With these available options, accepting additional risk for additional yield may not be necessary.
- Reverse Mortgage Information
[Real-Estate:Mortgage-Refinance] Reverse Mortgages have many advantages that can directly affect the borrower's life. These advantages are listed in a manner to illustrate them but that doesn't necessarily mean they are for every person. The real advantages of Reverse Mortgages is how they can be used to affect your life whether it is reduction in cash flow demands or the use of extra money to fund a retirement.
- Use Time Horizons to Position Prospect's Thinking About Annuities
[Insurance:Agents-Marketers] Probably the very biggest error that is made with financial planning by people is the mistake regarding "time horizons." By definition a time horizon when speaking of financial uses is the length of time a sum of money is expected to be invested. If our time horizon is next year then options are less and if our time horizons are further, options increase.
- Sledding Through the Snow and Avoiding the Money Risks
[Investing] Investing at age thirty is different than at age sixty. As you get older you should take less risk with your money.
- Paper Losses, Do They Really Matter?
[Investing:Retirement-Planning] What happens when your retirement account goes down and your financial planner says, "don't worry, it is only paper losses." Do paper losses matter? Do the losses increase your stress? There might be a better approach.
- Social Security and Selecting Your Retirement Options
[Investing:Retirement-Planning] Make sure you fully understand your options when planning for your social security retirement benefits. Proper use of your options can greatly enhance your retirement income. Your selection of options can help you enjoy retirement more.
- Cash is King, Income is King
[Investing:Retirement-Planning] Cash is not necessarily king when it is needed for retirement, income is king. Consider looking at your retirement funds as monthly income, not as a pile of money.
- Radio - Whose Voice Should it Be?
[Communications:Radio] The idea of using radio as a marketing source for insurance leads is attractive. Not only will having your own radio show make you a local celebrity but it will enhance your prospects view of your stature. Producing radio shows on a regular basis can be time consuming and can require organization that most insurance salespeople can not provide.
- Greed and Fear
[Investing:IRA-401k] By definition, these two words are very different. Fear is defined as be afraid or feel anxious or apprehensive about a possible or probable situation or event. Greed on the other hand has this definition: immoderately desirous of acquiring wealth.
- Radio - It Has History, History of Success - Use it to Sell Annuities
[Insurance:Agents-Marketers] As many things change in our world due to technology the fact remains that one medium still ahs enormous marketing power and 100 years of proven performance: Radio I am in the business of marketing and selling annuities and over the years I have used many sources of lead generation but dollar for dollar...
- Annuity Leads From the Internet - Good Or Bad?
[Insurance:Agents-Marketers] Should you buy annuity internet leads? If you do make sure you follow the rules to protect yourself and to find the right prospects.
- Is Stock Market Volatility a Concern For You? Eliminate Worry With Proper Selection of Time Horizons
[Investing:Stocks] Concerned about market volatility? Those concerns could be connected to your time horizons. Saving for your retirement is one of the most important things you will attempt to do in your working life.
- Understand How Bonds Are Rated and Their Default Rate to Attract Prospects and Referrals
[Insurance:Agents-Marketers] Understanding Bonds will allow you to provide basic information to your annuity prospects. Information that can mean annuity sales.
- Here is a Fresh Sales Idea Regarding Stretch IRAs - Rename Them
[Investing:IRA-401k] Numerous options are available when using an IRA in an estate planning situation. Often the process can be overwhelming and difficult to understand. I like to use simple terms in relating with my prospects and it seems to make sense to most people.
- This Simple and Effective Insurance Public Relations - Build Your Business
[Business:PR] Want cheap, often free publicity? Write a press release! A press release should have information worth getting out to the public, but let's not kid ourselves - a press release is basically an elaborate advertisement for your business camouflaged as news.
- Use This Secret to Gain Leads and Referrals to Help Sell Annuities - Celebrity
[Insurance:Agents-Marketers] Celebrity: Use this concept to gain respect, leads and referrals. Become an author.
- Become an Author to Prospect For Easy Annuity Leads - Easy and Effective
[Writing-and-Speaking:Writing] Why not write a book? When you think about it, it really isn't that hard to do. What is hard to do is sell a book, so don't sell it, give it away!
- How Bonds Can Help Our Annuity Sales - Learn These Points and Become Informed
[Insurance:Agents-Marketers] Understanding bonds and how they work CNA increase annuity sales. Being informed about bonds will provide annuity sales to both clients and prospects.
- Use the "Back Door Escape Hatch" to Compare Bond and Annuity Benefits
[Insurance:Agents-Marketers] Understanding the "Call" date on bonds can help you sell the benefits of annuities. Learn the "Back Door Escape Hatch" to sell annuities to your clients and prospects.
- Set Your Own Rules When Dealing With Annuity Prospects
[Insurance:Agents-Marketers] Sometimes you just feel that way when you talk to a prospect don't you. I decided a long time ago that I was going to set rules for how I did business and with whom I chose to do business. It has worked for me and if you do the same, I think you would benefit greatly.
- Invest in Your Annuity Business by Asking Yourself These Questions
[Investing] I am sure you have heard this advice before, invest in your business. There are numerous ways to do this, such as staff, an office, marketing, advertising and much more. Most annuity salespeople don't invest in their business. Instead, many prefer to look for the next deal or the next shortcut to a sale.
- Internet Annuity Sales Leads
[Insurance:Agents-Marketers] Just what are internet annuity leads and how do you properly work them? This article will answer that question.
- The Safety Nets Are in Place - Sleep Well Tonight
[News-and-Society:Economics] The stock market is out of control. The CEOs salaries are out of control. The hedge funds are losing money.
- A Unique Option For Your IRA Or 401(K) - Run to Safety and Security
[Investing:IRA-401k] Gain and Retain, now that is an interesting investment option. How would you like to have the option of only gaining and never losing money? It's not every day that you find the opportunity for potential growth with true safety in the same financial vehicle
- Use the IRS Section 1035 to Find the Highest Yield For Your Annuity
[Insurance:Life-Annuities] The popularity of tax deferred annuities has increased since the 1970's into a natural choice for safe money alternatives for many Americans. The primary reason is the lack of exposure to risk and the contractual guarantees provided by these products.
- Think of Golf to Better Understand Bonds
[Investing:Retirement-Planning] Using Golf as an Example, to easily understand how bonds work. This method will remove the myth about how bonds work and how they can be used in your financial planning. The terms in golf are fully related to bonds. Have a look.
- Gain Or Retain to Stop Losses in Your IRA
[Investing:IRA-401k] If you have experienced losses in your IRA and are worried about your future retirement options, answer a few questions to determine if the "Gain or Retain" system is for you. Consider these questions regarding your IRA and other retirement funds.
- A Physicians Career and Protecting Your Retirement Funds With Equity Indexed Annuities
[Investing:Retirement-Planning] Want a sure fire way to never lose one dime of your retirement savings? By the time you're finished reading this article you will know how to make investments without any risk.
- Is a Recession Really All That Bad? Is There a Positive Side? Could it Be Good?
[Finance] I didn't live during the last depression, but my parents did. Their stories about how tough it was were vivid and descriptive of a time long ago. We have been told by financial officials and the government that another depression of their magnitude was not possible because of safeguards and oversight.
- Is Your Bank Safe - Does Size Matter?
[Finance] With the failure of several large banks in this country, concern over the banking industry is merited. Since size doesn't seem to be an issue, both small and large banks cannot be immune from the possibility of failure. Fortunately we have safeguards in place to protect and insure funds on deposit.
- The Current Financial Crisis and How Annuities Are Affected
[Insurance:Life-Annuities] mortgages provided for non-qualified applicants and runaway property values. The assumption was that real estate would continue to rise and equity would be gained in home ownership. Once the melt down started, many people were left with homes that they could not afford (and never should have qualified for) and simply went into default.
- Want To Get Paid In 7 To 9 Days On Qualified Money Transfers?
[Insurance:Agents-Marketers] Earning compensation is an important part of selling annuities, it is how we pay our bills and continue on with our journey. Here's a tip for getting compensated in seven days.
- This Is Guaranteed To Increase Your Annuity Sales - Give It To Get It
[Insurance:Agents-Marketers] Learn to give to get. An unusual secret to help you sell more annuities.
- Annuity Marketing Systems - Use Medical Declines To Sell More Annuities
[Insurance:Agents-Marketers] This annuity marketing tip really works and will give you tons of prospects and the marketing work is done for you. This is a built in sale with people who really want you to see them. Here is what you do.
- Annuity Marketing Advice - Taxes Can Be Imposed On Certain Immediate Annuities - Look At The Liabili
[Insurance:Agents-Marketers] This annuity marketing advice might allow you to sell a tax deferred annuity and remove the interest instead of providing your prospect with an immediate annuity. California has tax laws that require immediate annuity payouts to be taxed. Naturally California would be the one to figure out how to squeeze all the available tax dollars.
- Notice To Insurance Agents - Keep It Simple When Selling Equity Linked Indexed Annuities
[Insurance:Agents-Marketers] Indexed annuities can be hard to explain to prospects. Keep it simple and be upfront about the annuity products you are selling.
- Annuity Marketing Tip - Using Natalie Wood to Explain an Annuity Benefit
[Insurance:Life-Annuities] Here is a little story I throw in sometimes when explaining the benefits of annuities. As I go down the list of benefits and come to the "Probate Avoidance" issue these contracts provide I will often stop and say this...
- How To Sell Annuities - Learn to Understand Your Prospect
[Insurance:Agents-Marketers] Want to learn how to sell annuities? Follow this simple advice to find more success selling annuities.
- Earn Higher Compensation Using This Approach to Immediate Annuities
[Insurance:Agents-Marketers] Do you sell immediate annuities? If not,is it because the commissions are so low? I don't sell them for that reason and yet I have a system for making the prospect happy and not taking a reduction in compensation.
- Help Annuity Prospects Perform Due Diligence - Everyone Should Be Informed
[Insurance:Agents-Marketers] As consumers our prospects should always know who they do business with. It makes no difference if it is you the agent or their favorite stockbroker. We can help our prospects by accessing information free and fully available to anyone by using this system.
- Sell Annuity Tax Deferral This Way - Your Prospects Will Understand and They Will Buy
[Insurance:Agents-Marketers] Selling the power of tax deferral is not a new concept. But how you say it can make the difference between a sale and no sale.
- Will Rogers - The Best Friend You Can Have in the Annuity Marketing Business
[Insurance:Agents-Marketers] Will Rogers, know the name? If you don't, you better get with it! Our target age market certainly does and they relate to Will Rogers.
- Protect Your Income From Social Security Mistakes
[Investing:Retirement-Planning] Everyone makes mistakes and the Social Security Administration is not exempt. If you are relying on social security as a portion of your retirement income it is important you make sure your income is at the level it is supposed to be. It is a financial calculation and if a mistake is made it could affect your income.
- Frequently Asked Questions About Reverse Mortgages - Is a Reverse Mortgage For You?
[Real-Estate:Mortgage-Refinance] Reverse mortgages are new to most people and the concept can be confusing. Here are some commonly asked questions. When I obtain a Reverse Mortgage, am I deeding my home to the Government?
- Don't Get Stuck With Low Annuity Rates - Fight Back
[Insurance:Life-Annuities] Things change constantly and with longer help assets like annuities it is easy to earn less than market interest. As consumers we only associate interest as just that, interest. But there is a huge difference between interest earned with insurance company annuities and interest earned at banks.
- Great Benefit for Annuity Owners - Nursing Home Waiver
[Insurance:Life-Annuities] Annuities have a little known detail in the contract that allows annuity owners to use the funds if they are ever put into a nursing home. The funds can be accessed penalty fee.
- Know the Facts About Fees on Equity Linked Annuities
[Insurance:Life-Annuities] Does it sound too good to be true! Equity linked indexed annuities offer protection and safety of principal, so ask yourself...How do they do it? It really isn't smoke and mirrors but a very calculated specific product that provides two main ingredients:
- Equity Linked Annuities - Know the Truth
[Insurance:Life-Annuities] Equity indexed annuities defined. Their pros and cons.
- Advance Directives - "The Living Will" and Other Issues
[Finance:Estate-Plan-Trusts] It is always best to seek legal advice when considering important estate planning decisions. Numerous sources exist to provide you with basic information about how these agreements work and how they may affect you and your heirs.
- Estate Planning Tips
[Finance:Estate-Plan-Trusts] Estate planning is really more about making decisions and being organized than it is anything else. Once you undertake the process decisions need to be made and once that is decided obtain the plan and materials necessary becomes a simple process. Here are a few things to be aware of and a list of items to consider.
- Annuity Prospects - Remember The Rock in the Moccasin Tale
[Insurance:Agents-Marketers] There is an old story about two Indians (native Americans) walking down a trail on a hunting expedition. One Indian was having trouble keeping up with the other and after a while a riff developed between them. Finally the lead Indian said to his hunting partner, "What is wrong with you?
- Target Renters in the Long Term Care Market
[Insurance:Agents-Marketers] When we plan our marketing efforts for direct mailers to reach the senior market who may have a need for our LTC products almost always the filter is to only mail; homeowners. This is a big mistake because demographics show that 21% of people in this target market are renters. The decision to be renters may be financial but more than not it is based on convenience and the desire to make living simpler.
- Long Term Care Insurance Marketing Has a Growing Prospect Base
[Insurance:Agents-Marketers] If you are looking at a segment of the insurance industry to specialize in, you might consider the senior or older American market. This segment is growing and will continue to grow based on the movement of the baby boomer generation to the senior group. The older population will continue to grow substantially in the future.
- Joint Ownership - Does it Make Sense for You?
[Legal] Joint ownership of assets is a way of two or more people to own shares in an asset. The asset generally is real estate but can be other property such as a brokerage account, insurance company products or any other valuable property. The concept of joint tenancy is the transfer of the asset to the survivor or survivors.
- Avoid Probate Using These Easy Options
[Finance:Taxes] If you own a brokerage account or directly own stock certificates consider using the "transfer on death" option to avoid probate. This option is also known as the "Uniform transfer on death securities resignation." This option allows you to name a beneficiary who will inherit bonds, brokerage accounts or individual stocks without the need for probate.
- Tips and Helpful Hints When Choosing a Beneficiary for an IRA and 401k
[Finance:Taxes] Naming a beneficiary for a retirement account can be a very important decision. There are many options to consider. Here are some tips and tricks to help you navigate the decision making process.
- Avoid Probate With Bank and Retirement Accounts
[Legal] Use a bank account to protect funds from probate court. Most banks have a simply form for the account holder to select who inherits the funds.
- Probate - Should It Be Avoided?
[Legal] Most people have a genera fear of probate which is often based on publicity or misunderstood information. The press and numerous articles explain the hazard of probate and the underlying expenses which could wipe out an estate? Are these real or imagined concerns?
- What is Probate? How Does It Work?
[Legal] Simply put, probate is the changing of ownership of assets that require a paper transfer. These assets could include real estate, automobiles, bank accounts, invested assets, pension plans and other items. When a person dies the legal process begins to effect the direction of a will either left by the deceased or directed by the courts in the absence of a written will.
- Tax Deferred Growth - Does It Make Sense For You?
[Finance:Taxes] The definition of tax deferred growth is this: An investment in which some or all taxes are paid at a future date, rather than in the year the investment produces income. When comparing tax deferred accounts with annual taxable accounts several factors need to be considered...
- Annuity Marketing Services - The Most Boring Product on the Planet
[Insurance:Agents-Marketers] Annuities are boring products. Use the conservative nature of annuity investing as selling point. Safety and security.
- Free Annuity Leads - The Delivery Kit
[Insurance:Agents-Marketers] Most agents do not consider delivering the annuity contract as part of the sales process. They are wrong!
- How to Sell Annuities - Fact Finding
[Insurance:Agents-Marketers] Selling annuities is a process that evolves as the relationship evolves. Once the lead is secured and the appointment made the real selling process starts with the fact finder. Most agents look as a fact finder as a method of collecting the "facts" of the prospective client.
- Annuity Leads Can Be Scams - Be Careful
[Insurance:Agents-Marketers] Annuity leads can be good and they can be complete scams. Good annuity leads, no matter how targeted, are no guarantee of a sale. Getting in the door and completing a fact-finder is what makes for a solid annuity prospect.
- Individual Retirement Accounts - Questions and Answers
[Investing:Retirement-Planning] If you own an IRA you are probably aware of how confusing these plans can be. A recent change in the rules regarding IRAs has caused many IRA owners to misuse their plans. Here are some basic questions regarding IRAs and how they may best be used.
- What is Prohibited in an Individual Retirement Account (IRA)
[Investing:IRA-401k] The IRS restricts certain investment options for an IRA. These restrictions do not allow the investment in collectibles, antiques and other assets. Here is a list: If an IRA invests in collectibles, the amount invested is considered distributed in the year invested.
- Income, Retirement Savings Can Be a Stress Reducer
[Investing:Retirement-Planning] Retirees are supposed to enjoy their retirement and it is meant to be a fulfilling and an enjoyable time. However, stress enters the picture when issues like inflation and health enter the picture. Another major cause of stress is worry about having enough income to live and to remain financially independent. Worry and concern about making certain that income that will continue for a lifetime is a major issue.
- Are You 70 Years Old? Do You Own an IRA?
[Investing:IRA-401k] Information about IRAs for seniors turning 70 years of age. Once an owner of an IRA reaches the age 70 1/2 the IRS requires funds to begin to be withdrawn. These funds are taxed at ordinary income rates.
- Don't Be A Sucker For Pre-Set Appointments
[Insurance:Agents-Marketers] Beware of pre-set appointment schemes. If you are planning to fail and want to expedite it, sign up for pre-set appointments. The companies that provide these are only there because of the market developed by lazy agents. You know the term, "I only want to sell!" This to me is the sign of an amateur and an agent who is clueless to the whole process.
- Marketing or Sales - Which is More Valuable?
[Insurance:Agents-Marketers] Salespeople should develop their own internal marketing plan. Marketing is not something that can be outsourced. Stay clear of marketing programs that provide free annuity leads or pre-set annuity lead appointments. Take control of your own marketing and improve your sales.
- An Overview of Social Security Benefits
[Finance] Social security was established in 1937 as an emergency net for workers of this nation. It was to cover all workers and has grown to cover a wide range of benefits. These benefits are funded by worker payroll taxes and are paid into a fund managed by the federal government.
- Wills and Trusts - Types and Descriptions
[Finance:Estate-Plan-Trusts] The various types of wills and trust defined. Many varieties of trusts exist and it is important to understand how each may affect your desired goals.
- How to Choose a Financial Planning Attorney
[Legal] Article provides advice for selecting a qualified and competent attorney. When planning your financial life it is important that an attorney be involved. Finding the correct attorney for you can be challenging and complicated.
- Use Your Available Deductions to Reduce Your Tax Liability
[Finance:Taxes] Federal income tax laws allow for a deduction of gifts made to bona fide charities. These charities can include churches, hospitals, colleges and many other organizations. The IRS allows for these deductions based on several factors such as:
- How to Begin the "Financial Planning" Maze
[Investing] Often it is hard to know how to begin putting together the pieces for planning your finances and especially when to know you are on the right track. I use this simple formula to explain the process to my clients.
- Time for the Business Plan
[Business] That old saying "plan your work and work your plan" is a constant reminder on the road to success. The problem is the plan that we want to work has to be relatable to our approach to business and marketing. Ask yourself the question: what report card is meaningful and what can I relate to in tracking my performance?
- Suitability for Annuity Sales Makes Sense - Use it to Sell More
[Insurance:Agents-Marketers] Use a suitability form to measure prospects' needs. What is wrong with doing things right? Isn't it in the long run the best for everyone? The new suitability rules about to enter the annuity business is a step in the right direction. I applaud it and I think it is long overdue.
- Does a Structured Settlement Make Sense to You?
[Insurance:Life-Annuities] Understanding how structured settlement annuities work. A structured settlement is the periodic payout of a settlement amount over a period of years. It is just that simple, money for a period of time. Structured settlements are often used to award damages in a lawsuit or a settlement. The settlement is not a sum of money, but an income stream for a specific period of time. Normally the income stream is tax free and not subject to income taxes.
- Is Being an Insurance Salesman for You?
[Insurance:Agents-Marketers] Understand selling and marketing to help determine if you have what it takes to be an insurance salesman. Seems like an innocent enough question, but in reality it is a difficult question to answer. The reason it is difficult is because there really isn't a simple answer.
- Jazz up Your Image with Stock Photos
[Business:Sales] The cost of just about everything has dropped with the growth of the internet. Stock photographs are no exception and their use is now within everyone's grasp. I use these photos for handouts, brochures, blog entries, websites, and even direct mail pieces. I change the image constantly to keep my message fresh and unique.
- Tips for Buying Insurance Leads and Annuity Leads
[Insurance:Agents-Marketers] We all need leads and I have examined most programs available. To me they really fall into two separate categories, the bad ones and the acceptable ones. What I mean is this; it is a perception of what these leads really are.
- Shake Hands Over the Phone to Increase Appointments
[Insurance:Agents-Marketers] Been having problems setting appointments with new prospects? Is it the same old thing, they are not interested? I have a complete foolproof way to increase the percentage of appointments from referrals, direct mail card replies and internet leads. If you use this simple method you will see an increase in your appointments, I guarantee it.
- Mission Statement - Make Yours Work For You
[Insurance:Agents-Marketers] I know it is very simplistic but it really defines what I am doing and what I offer to my prospects and clients. If you have not written a mission statement then maybe you have not defined who you are and what you do. Although there are many theories about what a mission statement is to do and what it is to accomplish I think shorter is better.
- Insurance Ratings Are Important When Considering The Purchase of Long Term Care Insurance
[Insurance:Long-Term-Care] Most insurance products have a safety net under them to help reorganize the company or the products if a company were to fail. These safety nets are called "The State Guarantee Association" Fear of a life insurance company or an annuity company failing should not be a concern because of these state guarantees.
- Senior Adults Can Be Targets For Scams When Considering Long Term Care Insurance
[Insurance:Long-Term-Care] As we age we are often faced with a diminished use of our physical independence. The need to keep and maintain independence is often the reason for a senior to make the decision to purchase LTC protection. No one wants to be dependent on friends and family for their care. The fear and unknown of nursing homes makes seniors vulnerable to high pressure sales tactics that focus upon the risk of losing assets and with reassuring promises of protection.
- Should Everyone Own Long Term Care Insurance?
[Insurance:Long-Term-Care] The question of whether to buy LTC insurance should be based on the same reason other types of insurance are purchased "exposure to loss." We buy fire insurance in case our home is damaged by fire, auto insurance is a totally understood need and of course the need for life insurance is fully comprehended.
- A Hugely Untapped Market for Long Term Care Insurance Sales
[Insurance:Agents-Marketers] Most agents who sell LTC insurance think only of the retired and the senior market. It is a natural market because as we grow older we all will be exposed to higher chances of needing care.
- Fixed Annuities Offer Numerous Options
[Insurance:Life-Annuities] An annuity may be either immediate or deferred. If income is important now consider an immediate annuity.
- Earn Big Money Becoming an Asset Protection Consultant!
[Insurance:Agents-Marketers] Earn money helping people mange their assets. The old adage of "if it is too good to be true means it must be a duck!" Stay away from this nasty topic and stay away from their lies about what the IRS will and won't do. The only truth of being an "Asset Protection Consultant" is you will lose money and face possible legal prosecution.
- Trust Scams and How They Affect the Uniformed
[Finance:Estate-Plan-Trusts] Be informed about trust scams. The scam artists who sell these as asset protection will argue that there are numerous options to reach the goal when in reality these trusts are easily attached and broken by creditors. Once the reason for the trust is known (tax evasion) the courts will allow creditors to attach and seize the assets within the trust. The IRS is well experienced in how these trusts work and will immediate begin proceeding to end the trust and expose the assets. In addition to the assets being seized, heavy fines and jail time are normally the result for the participants.
- Simple Estate Planning Can Save a Million
[Finance:Estate-Plan-Trusts] If your estate is worth more than $4,000,000 a simple change in your will can reduce your federal estate tax liability by 50%. The plan is to use what is called an A-B trust. A trust that allows couples to reduce or avoid estate taxes. Each spouse puts his or her property in an AB trust. When the first spouse dies, his or her half of the property goes to the beneficiaries named in the trust.
- Understanding Immediate Annuities and How They Work
[Insurance:Life-Annuities] An annuity is a written contract between you and a life insurance company in which the insurance company makes a series of regularly spaced payments to you in return for a premium or premiums you have paid. An annuity helps you accumulate money for future income needs but it is not a short term account. It should only be used for funds that need to be set aside long term.
- COGS, You Cannot Sell Annuities Without It! How About Your CPNS! Do You Know Yours?
[Insurance:Agents-Marketers] Suppose you were not an insurance agent but owned a manufacturing plant. You would certainly need to know how much it cost to produce your product, agreed? This term is called "cogs" (cost of goods sold.) COGS are the direct costs attributable to the production of the goods sold by your company. This amount includes the cost of the materials used in creating the good along with the direct labor costs.
- Use Television to Acquire Annuity Leads
[Insurance:Agents-Marketers] Most agents would never consider Television as a source of prospecting due to all sorts of reasons. These reasons generally are because of the unknown about how to do it. Most agents will not spend the money necessary to market in this area. What really is needed to make this happen?
- Use the Cow to Improve Your Annuity Sales
[Insurance:Agents-Marketers] All is not good that comes from the annuity business. With the good comes other issues such as rejection, disappointment and failure. Sort of depressing, isn't it? It is if you let it be that way, how many people do you need to see to find a client and make a sale? When a sale is made then we get the butter.
- Use These Nonverbal Skills to Communicate and Make Annuity Sales
[Insurance:Agents-Marketers] 93% of all communication is nonverbal according to a study completed at UCLA. Nonverbal communication can range from expressions to body language to facial expressions to the use of space around you. Gestures based on vocal expressions often times have more effect than the words actually being spoken.
- Payday Loans - End This Disgusting Segment of the Financial Industry
[Finance:PayDay-Loans] If there is anything more disgusting than payday loans I would like to hear about it. Payday loan companies prey on the weak and those who are the poorest of all. The amount of interest that is charged on these "advances" can range as high as 391% APR.
- He Who Slings Mud Generally Loses Ground
[Insurance:Agents-Marketers] Avoid fights with competitive insurance agents and stock brokers by focusing on the benefits of the products and not the yields. Have you ever heard this quote?
- Never Call an Annuity Prospect Back, Ever!
[Insurance:Agents-Marketers] I purchased a training manual about how to build better relationships with prospects and in it a whole section was devoted to how to manage the follow up to a sales presentation. Some of the suggestions were these...
- Insurance Agents, End Slavery, Manage Your Marketing Organizations, Learn Their Secret "Rule"
[Insurance:Agents-Marketers] Have you ever wondered why marketing organizations work so hard to provide "service" to you? Why do they offer proposals and product information at a moment's notice?
- Credit Reports - Great Lead in to Insurance Sales
[Insurance:Agents-Marketers] Build relationships with useful information. Offer real gifts, information.
- Use this Idea to Interest Prospects in Annuities
[Insurance:Agents-Marketers] I have never sold a Swiss Annuity, but I have used it lots of times to interest people in the benefits of annuities. Most people have no idea this "safe haven" exists and that it is fully approved by the Federal Government.
- Inflation and How it Affects "Your Life" Decisions
[Investing] Inflation has a far greater affect on our lives than we realize because it creeps up on us over time. Think of a postage stamp, did it suddenly jump from 5 cents to 41 cents?
- Freedom - It is Always Available
[Insurance:Agents-Marketers] When you consider the sales process you need to have a method of following up with prospects who declined to become a client. It could be for any number of reasons such as bad timing or the need for more careful thought, etc.
- Fundamental Information About Life Insurance - Which is best? Whole Life or Term Life?
[Insurance:Life-Annuities] Fundamental information about the different types of life insurance. The two primary reasons for the purchase of life insurance is because of love or debt. You either love someone or you owe someone. Whole life is for your whole life. Term insurance is for a 'term' period.
- Are You An Executor Of An Estate?
[Legal] If you are an executor of an estate here are some of the obligations that you may be expected to do.
- Long Term Care Insurance, Guaranteed Premiums and Other Misconceptions
[Insurance:Long-Term-Care] Most people who buy LTC insurance are not aware about future premium increases. LTC insurance premiums are not guaranteed and may increase with permission from state departments of insurance.
- He Won the Nobel Prize - How About Quantum Annuities?
[Insurance:Life-Annuities] Article introduces the new concept of Quantum Annuities. Albert Einstein was ahead of his time...
- Ten Things That Guarantee Failure in the Annuity Seminar Business
[Business:Marketing-Direct] Ten things that will make your annuity seminars fail. Senior seminars are a very efficient method to obtain prospects.
- The Biggest Long Term Care Selling Secret Ever
[Insurance:Agents-Marketers] Sell long-term care insurance based on a formula - not fear tactics and emotion.
- In a Sales Slump, Business Bad, Need a Real Sales Tip? Use the Power of Gifting to Sell Annuities
[Insurance:Agents-Marketers] Are your sales in a slump? Not able to get the cases closed? I know all about that and I have a tried and true method of breaking out of it. But first a little review about gifting and a story. Gifting has an effect on your subconscious; I have no way of offering scientific proof but it does have an effect. It can be money, things or time but when you give to someone something happens to you. Here is a story:
- Who Really is the Financial Advisor?
[Insurance:Agents-Marketers] Articles discusses insurance brokers, agents and fees. Most advisors are really just salespersons. Sometimes it's hard to tell, given all the titles used by brokers: financial adviser, financial consultant and financial planner, to name just a few.
- The Early History of Long Term Care in the United States
[Insurance:Long-Term-Care] The history of long term care and its applications. In the United States at the beginning of our country the population was much younger. Life expectancies were less and the immigration into our country was mostly young people and families.
- Anyone Can Get Annuity Leads if You Know How to Use "Crash Marketing"
[Insurance:Agents-Marketers] Article discusses the Crash Marketing approach to annuity selling.
- If You Don't Need a Chevrolet, You Don't Need a Chevrolet
[Insurance:Agents-Marketers] Learn to sell to needs and you will make more annuity sales.
- Does Your Annuity Company Have You Over a Barrel?
[Insurance:Life-Annuities] How to fight back when the annuity company lowers your interest rate.
- Joint Tenancy And How It Can Affect You
[Investing] Common questions about joint tenancy answered.
- Zero Coupon Bonds and How They Work
[Investing] Articles defines zero coupon bonds and how they are used.
- Tips To Fully Understanding Variable Annuities - What You Should Know
[Investing] Articles explains the benefits and pitfalls of variable annuities.
- Annuity Marketing Tip: Use a Real Postage Stamp
[Insurance:Agents-Marketers] A simple direct-mail trick to increase insurance and annuity marketing conversion rates.
- Mortgage Protection Insurance Leads... Easy Sales, But Are They Profitable?
[Insurance:Agents-Marketers] Use mortgage protection insurance leads to open the door to a more fruitful client - agent relationship.
- Mortgage Protection Leads to Annuity Sales - Learn the Secrets
[Insurance:Agents-Marketers] Discover the secrets to turn mortgage protection into annuity sales.
- The Totally Overlooked Annuity Lead System
[Insurance:Agents-Marketers] Article discusses an often overlooked annuity lead system.
- Mortgage Leads - A Great Unused Key to Selling Annuities
[Insurance:Agents-Marketers] Use mortgage protection insurance as a sequel into selling annuities.
- The Best Target Market in the World for Annuity Sales
[Insurance:Agents-Marketers] Target prospects with less money and you will sell more annuities.
- Pre-set Insurance and Annuity Appointments Are Worthless
[Insurance:Agents-Marketers] Pre-set insurance and annuity appointments fall under too good to be true. They are a scam. Protect yourself.
- Mortgage Protection Insurance Leads - The Great Secret to Annuity Sales
[Insurance:Agents-Marketers] Use a back door selling technique to replace mortgage protection insurance with annuities.
- Annuity Selling Tip - Sell to Feelings and Build the Relationship
[Insurance:Agents-Marketers] Sell to feelings, learn to listen and build a positive and productive agent-client relationship.
- Increase Link Popularity With One Way Link Directories
[Internet-and-Businesses-Online:Search-Engine-Marketing] Try general one-way link directories to improve search engine result rankings.
- Asset Protection With a Medicaid Trust
[Investing] Articles teaches senior investors about asset protection and medicaid trusts.
- Tips for Finding Profitable Clickbank Marketplace Products to Promote
[Internet-and-Businesses-Online:Affiliate-Revenue] This article will teach the Clickbank affiliate marketer how to find profitable products in the Clickbank marketplace.
- Make Money Online With Google Adwords
[Internet-and-Businesses-Online:PPC-Advertising] Make money online selling affiliate products with Google's adwords program.
- Close More Annuity Sales Leads
[Insurance:Agents-Marketers] Stop selling the benefits of insurance products and instead listen to the prospect's feelings.
Most agents lose tons of sales because they are so obsessed with talking they forget to listen. They need to tell all about their products features and how great it all is. They can never wait to make their point about how much an annuity can yield. Product Product Product.
- Insurance Leads, Try the Phone Book!
[Insurance:Agents-Marketers] Don't throw good money at bad insurance leads. Instead focuse follow-up insurance selling system.
- Bonds - Watch Out for the "Back Door Hatch"
[Investing] Learn about the back door hatch before investing in bonds.
Bonds work this way, when you purchase a bond, you are really loaning them money. The bond can be secured by an asset or by the overall security of the bond issuer.
Let's use an example:
- What Really is a Death Benefit in a Variable Annuity?
[Insurance:Life-Annuities] Articles explains death benefit and associated fees with variable annuities.
- Successful Annuity Selling by Becoming a Barber
[Insurance:Agents-Marketers] Run your annuity business like a barber shop. Save time. Money. And close more annuity sales.
- Want More Annuity Sales Leads? Use a Pitch Book
[Insurance:Agents-Marketers] Use a pitch book to explain your industry and what you do and you'll close more annuity sales leads.
- More Bottom Life Profits by Hiring a Specialist to Evaluate Your Annuity Business
[Insurance:Agents-Marketers] You business focus should not be on cost cutting, but a focus on selling.
- Attention Annuity Salespersons - Control Your Own Destiny
[Insurance:Agents-Marketers] Learn to control the relationship with your FMO. Control your own contracts.
- Secret Phrase for Annuity Selling
[Insurance:Agents-Marketers] Want to sell more annuities? Use the right phrase and be polite.
- Selling Annuities Using a Historical Figure
[Insurance:Agents-Marketers] Improve your annuity sales by studying the wit and wisdom of American Icon Will Rogers.
- Annuity Marketing Through Gender Separation
[Insurance:Agents-Marketers] Use different approaches when marketing annuities to males and females.
- Financial Planners - Ask the Question!
[Investing] Important questions to ask financial planners before letting them help you manage your money.
- Annuity Marketing Tactics To Sell More Annuities
[Insurance:Agents-Marketers] Selling annuities is easy as they practically sell themselves. Annuity marketing and a steady stream of prospects is the obstacle to overcome.
- Generating Insurance And Annuity Leads Using Squidoo Marketing
[Insurance:Agents-Marketers] Use social networkng site Squidoo to generate insurance and annuity leads.
- Think Of Gathering Instead Of Accumulating For Annuity Sales
[Insurance:Agents-Marketers] Employing client gathering, not client building, to make more annuity sales.
- 12 B-1 Fees and Distribution Fees in Mutual Funds
[Investing] Article answers the question of 12b mutual fund fees and how to protect yourself from excessive broker fees.
- Variable Annuities May Not Be In Your Best Interest
[Investing] Articles illuminates variable annuities and helps investors decide if they are right for their portfolios.
- Use The Adwords Miracle To Get More Annuity Leads
[Insurance:Agents-Marketers] Use Google keyword advertising to get laser-targeted annuity leads. Working with insurance agents over the years I have found one commonality... they fear technology. Of course, not all do, most of you reading this online article probably don't... but in my experience I find fear of technology generally to be true. Some agents I work with still refuse to use email.
- Mutual Funds - How to Make an Intelligent Decision
[Investing] The different types of mutual funds and how to correctly pick which funds are right for investors.
Mutual funds offer a wide range of investment choices. These choices can be in stocks (equities) bonds or numerous combination of both.
- Here is a Great Idea…Think Outside the Box!
[Insurance:Agents-Marketers] Encourages insurance agents to step outside their comfort zones and hire publicists to get more annuity leads and sales.
Consider doing what the movie stars do. Hire a publicist. If you think that movie starts are the only people then you are wrong. Lots of people do this and for a good reason. It is good business.
- Medicaid Qualified Annuity, Buyer Beware and Agent Liability
[Insurance:Agents-Marketers] Understanding annuities to help clients and avoid agent liability issues.
- Annuity Lead Solving Means Happy Wife Happy Life
[Insurance:Agents-Marketers] An abundance of annuity leads makes for a more secure financial life and happier wife.
- Using Negative Advertising to Acquire Annuity Prospects
[Insurance:Agents-Marketers] Replace positive advertising with negative advertising and attract more annuity leads.
- Obtaining Easy Annuity Leads
[Insurance:Agents-Marketers] Use creative methods to get low-cost annuity leads.
- How About Selling Annuities Using Life Insurance?
[Insurance:Life-Annuities] Article discussing selling annuties by using life insurance.
- Thank You Cards Mean Thank You for More Annuity Sales
[Insurance:Agents-Marketers] Use simple thank you notes to get more referrals and sell more annuities
- Forget Indexing, Forget Yield, Forget Returns, Use the Easy Annuity Sales System
[Insurance:Agents-Marketers] How to ask the right questions in the right way to help build stronger client relationships and sell more annuities.
- How An Annuity Prospect Becomes An Annuity Client
[Insurance:Life-Annuities] Have an annuity selling system in place to increase annuity sales.
- Prospect Accessibility is the Key to Annuity Leads and Sales
[Insurance:Agents-Marketers] Find a target market to get more annuity leads and close more sales.
- Growth Based Investments Versus Asset Based Investments
[Investing] Why annuities are a great investment for seniors.
- Understanding Annuities Can Lead to More Annuity Sales
[Insurance:Life-Annuities] One annuity may have benefits another does not and it is important to know the features and benefits of each contract. By understanding annuities you will increase annuity sales.
- How to Eliminate Competition with an IRA Rollover
[Insurance:Agents-Marketers] Article demonstrates how to use an IRA rollover to decrease agent competition.
- Insurance Selling Sucks
[Insurance:Agents-Marketers] Article discusses agent contracting, marketing companies and the craft of insurance selling.
- History Provides Tons of Annuity Sales Leads
[Insurance:Life-Annuities] Give annuity prospects and leads a history of annuities to close more sales.
- Risk Based Annuity Selling
[Insurance:Agents-Marketers] In this article Bill Broich demonstrates risk-based annuity selling to close more annuity business.
- Happy Wife, Happy Life – Develop An Annuity Selling System
[Insurance:Agents-Marketers] If your wife is happy, you will be happy. You keep a happy wife and a happy life by avoiding financial problems. You avoid financial problems by having a solid annuity selling system.
- Ramp Up Annuity Sales Using Secret Tool
[Insurance:Agents-Marketers] Surrender penalties provide lots of future prospects and clients
- Annuity Marketing By Radio
[Insurance:Agents-Marketers] Annuity selling expert, Bill Broich, shows agents how to embrace radio advertising to sell more annuities. The radio builds expert credibility and that helps sales.
- Focusing on Annuity Benefits to Close Annuity Leads
[Insurance:Agents-Marketers] Annuities offer many unique benefits for senior adults and by focusing on these benefits you can close your annuity leads much more easily.
- You Need An Annuity Selling Mentor
[Insurance] 10 million annuity producer uses truly innovative approach to
"On the job training" for his small private club of annuity producers.
- The Awful Truth about Annuity and Insurance Leads
[Insurance] What the annuity and insurance lead websites don't what you to know: 99% of the leads they sell are garbage.
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