Indexed Universal Life Over the last decade IULs have, by and large, beaten the performance of any other type of cash value life insurance. Accountability too, is an important part of what makes IULs popular amongst investors; policyholders have the confidence of knowing exactly how their policies are performing. With public, published, reported indexing and full disclosure of all elements included in the policy this is possible.

Indexed interest crediting play a large part in the higher performance and Allianz is the leading indexer in the industry. They have an impeccable financial record and a decade of beating interest rates, the stock market, and dividend markets too.

Send us an IUL case you’ve already sold and we’ll compare it for you, dollar for dollar with the new Allianz LifePro+ and show you how much more your client would have gotten, and how much more you would have been paid. Free! No Obligation!

Remember, you don’t have to move your annuity contract to sell with LifePro!

Let’s face it. There is a product revolution going on in the industry.

Par Whole Life Financial markets are dynamic. They go up, and they go down. Most financial institutions hold our dollars and reinvest them and share a portion of the earnings for future delivery. Why on earth would anyone give a financial institution a significant amount of money that does not provide a full accounting record for each reporting period? How could anyone really trust a company that doesn’t provide information on how much is withdrawn from the account for fees and expenses or exactly how much is being held for contingencies, the interest rate for the current period, and how it is calculated? Does this sound like a solution that you would suggest your clients invest in? Probably not.

We truly believe that Indexed Universal Life, and the Allianz LifePro+ in particular, is the better solution for your practice and you clients.

Congratulations, Tax Free Retirement Graduates!  You have now joined the small few who not only truly understand the dangers and uncertainties your clients and prospects  face but more importantly how to give them back control and protect them from the dangers threatening their retirement.

Now that you are equipped to deliver solutions and grow your practice exponentially it is imperative that you keep in mind the “5 Characteristics of a Top Producer.”  Set your GOALS now!  Talk to 3, 5 or 10 prospects a week about what you’ve learned.  Continue to focus on your EDUCATION.  Attend next week’s CPA Advantage workshop at LifePro with a CPA partner and DO NOT miss Don Blanton on December 7th!  IMPLEMENT a process within your practice to begin bringing the solutions you’ve learned to the lives of your clients.  Don’t wait, begin today! Build your COMMUNITY and partner up with an expert.  Don’t suffer from “paralysis by analysis.” Just do it! And most importantly, have COURAGE to get into action.  In the words of Mark Twain, “The secret of getting ahead is getting started.”

It was a great pleasure spending the last 2 days with all of you.  As I showed you at the end of the day, all of the training and support materials are located in your MyLifePro page (www.MyLifePro.com).  Please don’t hesitate to contact myself or your FSR with any follow up questions.  We’re part of your community.

Best of luck and great selling!

The August 26th Investment News Magazine reports that the ING Secure Index 7 was the number one “fixed annuity” sold inside of independent broker dealers in the 2nd quarter 2011 (view article here).  This speaks to the fact that per Beacon Research the ING Secure Index 7 resonates well with these advisors in providing a solution in this low interest rate environment to their clients.  Since then the product has even been made better with the introduction of the new Interest Rate Benchmark strategy with a 5.5 times multiplier and a 10% cap on the high band. 

The IRB strategy is starting to pick up momentum in the states approved and ING is working hard to gain approval in more states day in and day out.  The strategy has recently been approved by Arizona and Utah and should have a launch date shortly to announce in others!

Yesterday, the national news media reported that the average 401K dropped over $15,000 in value in the past week! The stock market dropped almost 18% in the last two weeks.  Yesterday, Monday August 8^th alone, investors lost almost 2 Trillion Dollars before the market turned around and made a rally.

This amazing loss underscores that the stock market is not a sure thing! It is a risky investment that has proven to cost millions of people trillions of dollars. Why do they put their money in the stock market? The answer is, “because they don’t realize the risk.” Do you think everyone who lost money yesterday did it willingly? I don’t. I think it is because they don’t feel confident with the safer alternatives.

What about fixed indexed annuities with secondary guarantees of growth for retirement income guaranteed at 6% or 7%? What about fixed UL with indexed crediting strategies on the cash accumulation values that are insured with a guarantee that the return cannot be less than ZERO if the market goes down, but will return up to 12%, or 15%, or more if the market goes up?

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Allianz Life Insurance Company of North America (Allianz) President and CEO Gary C. Bhojwani appeared on Bloomberg Television and Fox News.com discussing new findings from The Allianz “Reclaiming the Future” Study about why baby boomers are still reluctant about investing.

Despite a significant rebound in the equity markets since the financial crisis, this new data confirms the vast majority of boomers are still in favor of more security for their retirement savings, and are not interested in going back to return-chasing behaviors.

Watch Gary on Bloomberg

Watch Gary on Fox News

Click here for more information and materials about the Allianz LifePro+

Most Experts Agree, Inflation is inevitable – it very well could be called a fact of financial life in America today and given our current and recent past economic events it seems the inevitable may be upon us quicker than we would like. During your client’s working years, their income generally increases along with inflation.  But what will happen when they hit retirement?

With Allianz Life Pro+ Fixed Index Universal Life Insurance Policy, your clients can have the reassurance that if the unexpected happens, their family or business would be protected.

And for other financial needs – including supplemental retirement income – Life Pro+ provides them with a way to access their cash value income-tax-free through policy loans. That’s important – but access to supplemental income alone may not be enough.

Inflation can reduce your clients’ purchasing power. During working years, it’s common to get cost-of-living wage increases – and now with the Life Pro+ your clients can have a similar advantage in retirement if they take loans from their policy.

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Discover the Strength of an Indexing Leader: Allianz Life Insurance Company of North America.

Because no one can predict the future, it’s important to be able to react to changes in the market. That’s why Allianz uses hedging. Hedging is a way of making strategic investments that are intended to reduce the impact of market downturns. And because it can help manage volatility, hedging can also help Allianz keep the promises it makes to its customers.

There are two main types of hedging: Static hedging and Dynamic hedging. Static hedging is set up and then left in place for a specific period of time, without being rebalanced or adjusted. Most insurance companies rely on banks for their static hedging. Unfortunately, this adds cost for the insurance company, since banks charge for this service. At Allianz, these costs are reduced as they leverage their large annuity line of business to purchase options in large quantities. Dynamic hedging requires frequent adjustments as stock prices change. Generally speaking, the more frequently a hedge is adjusted, the better it can perform. Allianz’s in-house dynamic hedging platform helps it to control risk in real time by rebalancing its position multiple times per day. This helps them reduce expenses, and design innovative features and products. It also benefits Allianz customers, because they are able to pass some of their savings on to the policyholders in the form of higher participation rates and caps.

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Indexed Universal Life
Over the last decade IULs have, by and large, beaten the performance of any other type of cash value life insurance. Accountability too, is an important part of what makes IULs popular amongst investors; policyholders have the confidence of knowing exactly how their policies are performing. With public, published, reported indexing and full disclosure of all elements included in the policy this is possible.

Indexed interest crediting play a large part in the higher performance and Allianz is the leading indexer in the industry. They have an impeccable financial record and a decade of beating interest rates, the stock market, and dividend markets too.

Send us an IUL case you’ve already sold and we’ll compare it for you, dollar for dollar with the new Allianz LifePro+ and show you how much more your client would have gotten, and how much more you would have been paid. Free! No Obligation!

Remember, you don’t have to move your annuity contract to sell with LifePro!

Let’s face it. There is a product revolution going on in the industry.

(more…)

Almost every advisor knows that Allianz has been the number one Fixed Indexed Annuity company, year after year, for quite some time… as a matter of fact, Allianz manages over two trillion dollars worldwide and has an impeccable financial record. This experience makes Allianz the world’s foremost authority on indexed interest crediting in insurance products.

Indexed Universal Life is the fasted growing segment in the Life Insurance marketplace. It harnesses the powerful tax advantages of life insurance with the amazing performance of interest crediting based on a public and published index outside the insurance company. Since its inception about 15 years ago, IUL has demonstrated that it competes favorably with all other cash accumulation alternatives, both insurance and non insurance based, whether qualified or non-qualified. It is a safe, liquid, proven, and competitive vehicle appropriate for retirement savings, college savings, and cash reserves. This, along with the ultimate income tax free transfer of unused dollars to future generations through the income tax free death benefit, creating a legacy that keeps the wealth in the family rather than the government’s pocket.

These concepts have been highlighted in various bestselling books over the past decade such as “Your Circle of Wealth” by Don Blanton, “Missed Fortune 101” by Douglas Andrew, and “Tax Free Retirement” by Patrick Kelly. All of these authors acknowledge Indexed UL as the ideal financial vehicle to accomplish these goals.

As you know, LifePro™, a leading force in the IUL movement for 15 years, is the leading educator, implementer, and champion of these strategies for financial professionals nationally.

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