GETTING STARTED
COMPLETE STEPS 1-3 TO FINISH TRAINING, CONTRACTING, AND BE PREPARED FOR YOUR SRS CLIENTS
STEP 1
COMPLETE REQUIRED TRAINING
If you need to get contracted with any IUL & Annuity carriers, complete the appropriate training
"IUL Bootcamp Outline"
or "Annuity 101"
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Once completed, screenshot the completion page & send to your contracting manager.
STEP 2
STEP 3
Indexed Universal Life (IUL)
A type of permanent life insurance with a cash value component along with a death benefit.
LEARN MORE WITH THESE VIDEOS:
Fixed Indexed Annuity (FIA)
A tax-deferred, long term savings that provides principal protection in a down market and opportunity for growth.
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SRS SALES PROCESS
THE FIRST STEP TO BEING SUCCESSFUL WITH SIMPLE RETIREMENT SOLUTIONS IS MAKING THE DECISION THAT YOU WILL BE.
How To Find IUL Opportunities
What To Look For For IULs
- Joshua Lockhart
- Joshua Lockhart
IUL PRODUCT COMPARISON
AMERICO
AGES 18-75
$50K MINIMUM UP TO $450K
Instant decision, perfect for clients looking for wealth building, but with a lower barrier of entry
into the IUL space
*Good for clients with limited budgets, non-medical instant decision.
IUL
MUTUAL OF OMAHA
$25K - $300K (Ages 18-50)
$25K - $250K (Ages 51-60)
$25K - $150K (Ages 61-75)
Good first option for anyone in these age brackets with a death benefit less than the listed amounts.
*The only IUL option that issues in amounts below $50K in death benefit.
IULE
NATIONAL LIFE GROUP
Ages 0-85
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Ages 18-50 UP TO $3M IN DEATH BENEFIT
Ages 51-60 UP TO $1M IN DEATH BENEFIT
Ages 61-65 UP TO $250K IN DEATH BENEFIT
Individuals in their 30s to 50s looking for cash value accumulation and income
FLEX LIFE
*Offers protection, flexibility, and wealth-building opportunities in one policy.
Ages 0-85
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Ages 18-50 UP TO $3M IN DEATH BENEFIT
Ages 51-60 UP TO $1M IN DEATH BENEFIT
Ideal for high-net-worth individuals seeking wealth accumulation with $1M face amount policies
SUMMIT LIFE
*Essential riders like the Lifetime Income Benefit Rider (LIBR) for guaranteed lifetime income.
F&G LIFE
AGES 15 DAYS - 75 YEARS
MINIMUM $50K (AGES 70 & BELOW)
MINIMUM $100K (AGES 71-75)
Focused on accumulation, income and living benefits
PATHSETTER
*A lot of agents like F&Gs IUL Illustration because it is "prettier" and easy for clients to understand.
ANNUITY TRAINING VIDEOS
Getting Started With Annuities
Annuities 101
- Bridget Reimer
- Bridget Reimer
Download PPT: HERE
Download PPT: HERE
Mock Annuity Appointment - Part 1
Mock Annuity Appointment - Part 2
- Brad Allan
- Brad Allan
Everything You Need To Know About Annuities
- Frank Eufemia
ANNUITY PRODUCT EXPLANATION
ATHENE
Protected Growth:
Any interest you earn is locked in and can’t be lost to future market downturns.
Guaranteed Retirement Paycheck:
Create a stream of income that may continue to grow throughout retirement.
Ability To Access Money:
Liquidity and income features help ensure you’re prepared in case you need access to funds.
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*Offers income and death benefit rider, automatically, at no additional cost.​
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AGILITY (7&10)
Guaranteed Return of Premium:
Additional protection from unpredictable circumstances, which allows for return of premium, within contract paramoters. Benefit applies with additional charge.
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Guaranteed Minimum Interest Credit:
Receive a guaranteed accumulated value at the end of your withdrawal charge period with our minimum interest credit feature.
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Guaranteed Protection From Market Risk:
Your annuity's accumulated value will never decrease due to market performance. ​
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PROTECT (5&7)
Growth Potential:
Pursue growth based in part on the performance of an external market index.​
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Guaranteed Income:
A built-in feature, allows for creating a guaranteed income stream that can last through retirement.​
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Protection From Market Risk:
Your money is not directly exposed to the risk of the stock market or individual stocks.
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*Offers a built-in rider that converts a portion of savings into a stream of income you can count on.
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ASCENT PRO (7&10)
Growth Retirement Savings:
A variety of interest crediting strategies help grow your money and protect you from market downturns.
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Increased Flexibility:
Add an optional liquidity rider that provides access to your money if needed.​
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Earn A Premium Bonus:
Premium Bonus is credited at issue and immediately increases your annuity's accumulated value. ​
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*Allows you to allocate your money among one or more of several interest crediting strategies.
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PERFORMANCE 7, 10 &15
ADDITIONAL RESOURCES
Annuity Training
-David Allen
Using Market Conditions To Sell Annuities