IF YOU WOULD LIKE TO FIND OUT MORE ABOUT US CALL OR EMAIL€¦ · • College degree in business/finance/marketing or related field - Recent college graduates are encouraged to apply!

1 | Open MIC notes for the Crew

helliphellip15 Years and still rollinghelliphellip

Open MIC is open for anyone

900 AM Pacific Thursday 800 504-8071 Code is 5556463

IF YOU WOULD LIKE TO FIND OUT MORE ABOUT US

CALL OR EMAIL

ANTHONY OWEN

888-74AGENT (24368)

tonyannuityagentsalliancecom

OR VISIT OUR WEBSITE

HELP WANTED

Internal Annuity Agent Recruiting Wholesaler

Compensation $30000 Plus Bonus with Six Figure Income Potential

Annuity Agents Alliance is a family owned and operated national insurance marketing firm established

in 2007 and located in Thornton CO We provide a variety of support mechanisms and industry

leading life insurance and annuity products for independent retirement planning advisors nationwide

POSITION SUMMARY

Our rapidly growing firm is currently seeking an energetic highly motivated business savvy individual

to fill the position of internal annuity wholesaler This position is part sales part client manager

RESPONSIBILITIES

bull Build your own group of adviors to contribute to overall production of the company

bull Recruit advisors through a variety of methods including by phone mailemail and in person to

sell fixed annuities through our firm

bull Buildsupportmaintain relationships with advisors and their practices nationwide

bull Provide advisors with case design insurance product information and quotations to aid in agent

sales process

bull Some travel required

bull Some cold calling required

QUALIFICATIONS

bull College degree in businessfinancemarketing or related field - Recent college graduates are

encouraged to apply

bull Driven with strong work ethic

bull Ability to grasp advanced sales concepts and ideas

bull Ability to maintain accurate notes in company database

bull Ability to communicate clearly with clientele and staff

bull Must work well alone and within a team

bull Customer service mentality

bull Superb telephone skills

bull Computer literate Strong working knowledge of MS Office products

bull Must own or be willing to purchase Windows based laptop computer

bull FICA above 600 and be able to pass financial and background check

bull No bankruptcies in past 7 years amp no current unpaid judgements

bull Ideal candidates have 1 or 2 years industry experience but not required

STATUS

bull Full-time position

bull First year salary is $30000 plus bonus

This is a fun fast paced and competitive work environment in a recession proof industry Internal

annuity wholesalers average $50000+ in their first year so we expect the same from new

candidates Six figure income potential beginning years 2-3 Complete training provided No

experience necessary but qualified candidates must have a basic understanding of businessfinance

Must be self-directed and motivated Work from home or office location of your choice once training

is complete

1 ABM Notes for the crew

ldquoOur brand can be your brandrdquo

Over the weekend Phyllis and I visited The Butchart Gardens in

Victoria BC If you have been there you will understand when I say there is

no way to verbalize this place If you havenrsquot been it is well worth the effort

to visit

----------------------------------------------------------


Open MIC is sharing Welcome

ABM Always Be Marketing

Thank you for joining us on Open MIC


-------------------------------------------------- Of Interest

The Bureau of Labor Statistics (BLS) released their monthly

Consumer Price Index (CPI-U) and Inflation report for the year ending in

June on July 17th This resulted in 012 Annual Inflation

httpwwwbenefitsprocom20150717dol-rule-creates-jurisdictional-jump-ball

Just days out from the close of the comment period for the

Department of Laborrsquos proposed conflict of interest rule opponents of the

regulation are rushing to document versions of Armageddon that would

befall the retirement advisory industry if anything resembling the proposed

provisions come to pass

The DOLrsquos proposal specifically calls out variable annuities which combine income guarantees with mutual fund-like investment features

In testimony before Congress Labor Secretary Thomas Perez sited the case of a retired couple whose advisor steered their entire life savings into


variable annuities which came with high annual feesmdash4 percent according to Perezrsquos testimonymdashand severe surrender fees to discourage reinvesting the principal The couple in Perezrsquos example lost $50000 he said while the advisors made off with some of the healthiest commissions available to in the industry

To OrsquoBrien that also shows ignorance of the regulatory process governing fixed immediate deferred and indexed annuities which are not regulated by the SEC or FINRA but by state insurance regulators

ldquoI completely question the DOLrsquos understanding of the regulatory schematic of insurance productsrdquo she said ldquoItrsquos clear they donrsquot understand the suitability review process or the liability carriers have in assuring on the right investors get the productsrdquo

Fiduciary Rule Comment Period Ended Tuesday July 21

You think this isnrsquot a war

Fiduciary Advocates Drop 230000 Signatures at

DOLrsquos Doorstep

Consumer advocates dropped an estimated 230000 signatures at the doorstep of the Department of Labor headquarters Thursday in what will likely be the biggest public display of support for the DOLrsquos proposed fiduciary rule for advisors to retirement plans

You can read some of the comments here

httpinsurancenewsnetcominnarticle20150722last-minute-fiduciary-

comments-pour-into-dolhtml


ldquoThe goal here is to put an end to Wall Street brokers who benefit from back door payments or hidden fees at the expense of their clientsrdquo

mdash President Barack Obama White House Conference on Aging July 2015

ldquoLast year along hidden fees unfair risk and bad investment advice robbed Americans of as much as $17 billion Advisers should be working in our best interest Its time to close this loophole and ensure a high standard that holds anyone who gives financial advice genuinely accountable for helping everyday Americans choose the best investments for us our families and our futurerdquo

mdash AARP

---------------------------------------------

httpinsurancenewsnetcominnarticle20150717dol-fiduciary-rule-would-slam-va-sales-

credit-suisse-sayshtml

DOL Fiduciary Rule Would Slam Variable Annuities Credit Suisse Says

By John Hilton

The Department of Laborrsquos proposed fiduciary rule will disproportionately harm

financial firms that deal significantly in variable annuities according to Credit Suisse

analysts


In a July 12 research note Credit Suisse singles out Lincoln National Prudential Financial and Aegon as three firms for which VAs have been ldquoan important driver of earnings growthrdquo

VA sales from qualified accounts are ldquomost vulnerablerdquo the note said ldquoWe believe the value proposition will be a harder argument to make under the new standardsrdquo

The DOL proposed the rule as a way to impose a fiduciary standard on advisors to prevent what it called conflicts of interest and ensure that advice is in the consumers best interest Public comments on the revised fiduciary rule are due by Tuesday The DOL plans a three-day public hearing on the fiduciary rule Aug 10-12

Although considered a security VAs have remained exempt for fiduciary standards via

the 84-24 rule The new DOL rules would revoke that exemption

84-24 is the Conflicts of Interest Rule httpwwwdolgovebsaregsconflictsofinteresthtml

Fixed-income annuities will retain the 84-24 exemption but fixed index annuity (FIAs) sales will need to meet stepped-up ldquoimpartial conduct standardsrdquo

State Department of Insurance

----------------------------------------------------------------------------------------

The Medicare misconception Too many people think Medicare

will pick up the cost of long term care Medicare is not long term care

insurance

Medicare will only pay for the first 100 days of nursing home care and

only if 1) you are getting skilled care and 2) you go into the nursing home

right after a hospital stay of at least 3 days Medicare also covers limited

home visits for skilled care and some hospice services for the terminally ill

Thatrsquos all


Filial Support Laws It is the belief that adult children have a duty to respect obey and personally care for elderly parents and relatives In 2012 a Pennsylvania superior court upheld a lower court ruling (Health Care amp Retirement Corp of America v Pittas) allowing a nursing home to demand a lump sum of $93000 from the son of a woman

------------------------------------------------------------

I was really blown away by a recent report from Mutual of Omaha

regarding the costs (state by state) for in home health care nursing home care and

assisted living care Somehow this expense has spiraled out of

control and there seems to be no end in sight Here are some

needed definitions


I am a native Idahoan and chose them to look at this expense

The link below will show you state by state


httpwwwmutualofomahacomyourchoicedocuments24109_ltccostofcarebookpdf

--------------------------------------------------------------------------------

httpannuityedorgincome-annuity-tool

Longevity Tool

I found this tool on SAFE it allows you to show your client the estimated life expectancy based on their current age It has a very good video This


could be used for someone who doesnrsquot own an annuity but thinks draw down from existing portfolio will get them through retirement This paints a picture of how living too long might become an issue and why an annuity might be a good option using lifetime guarantees


-----------------------------------------------------

3 agents last week Donrsquot you need help

We can help

Need help on case prep Have questions about mutual funds stocks

bonds Need help fact finding We can help you put you case together


Sometime just a little adjustment is all you need sometimes just knowing

where to find specific information is all you need We can help

Call or email me 360 701-6209helliphellipbbroichmsncom

Sales and Marketing

From Kevin Yes lead flow is increasing - yesterday was our best day in a month (20+ scrub leads) and this trend should continue and great news is that we are able to target your advisors now Our new Google engine is now on and were going to expand that as each day passes

Here is contact info httpwwwfinauctioncomcontact_usphp

How long does it take your prospect to make up their mind New study out

httpwwwproducerswebcomfilesbc6c6cb7210942f08180effe35c30cd04d6pdf


-----------------------------------------------------

Part onehellipnext week part twohellipBB

Improvements Coming to Powering Your Retire Village

Site To Solid Relationships and Lead Generation

Recently I attended a marketing seminar centered on using the internet for

relationship building and for lead generation I have listed below solid

points to share with you I learned more and we are helping improve RV to

make it even better for you


As RV grows and expands lead generation via adwords focused on your

local area will be added and that will allow you to manage your own lead

generation based on budgets and needs

Last month we moved RV to a different server which means to you less

glitches and a faster outgo of drips I am sure you have noticed it this past

couple of weeks

The dynamic focus of RV is towards video we have 7 new videos in queue

and many more to come Future plans include very ldquotargetrdquo specific

videos As an example suppose you wanted to work in a specific area such

as cattle ranchers (as an example) we will be able to produce that video for

your use and for your specific lead generation

All our videos are shot in HD which means you will be associated with

quality Plus our videos are mobile friendly which allows for easier viewing

and more depth of message

1 Have a clear contact number everywhere

Those who visit your site want to know that you are a legitimate

business Making you phone accessible is essential even if the

prospect doesnrsquot call you it is the fact that they CAN There is

something about the ability to talk to a real person that gives

confidence Improvement RV will be adding more phone contacts

and establishing your personal telephone in larger format and closer

to the top of your RV site Local marketing experts know that your

customers want things to be simple and easy Make it easy for

customers to call you if they wish It is not the fact they will it is the

fact they can

1 Make lead generation easy by posting contact forms on every page Offers will be wider spread RV offers ldquoHighest Annuity Ratesrdquo at the bottom of the site


Improvement the form will be added in addition to the current offering If you are a user of our Safe Money Book it can also be added to your RV page as an incentive to interact We will make it as simple as possible for the prospect to do business with you and give users every reason to contact you and no reason to put it off If they put off initial contact for five minutes they might put it off for the next five years

2 Increase credibility with testimonials and photos

Nothing is better than testimonials Ask Joe for tips on how to corral them and add them and photos to your RV site Ask for referrals and testimonials in your follow-up service calls Calling to follow up and find out how your product is working for them or how their needs have changed is an ideal time to ask for referrals Offer a ldquothank yourdquo such as a nice card and gift Getting testimonials is EASY do it

3 We will make your (rates and the Safe Money Book) by

offering it with broader appeal Every page

When you are offering your copy of Safe Money we will use power

phrases to focus their interest Strong calls to action with power

words

4 Videos Rule We speak to the end user with video content

Think of this as the future video content to connect with end users

Instead of giving a bland company overview we post Web content

that emulates a sales pitch in real life Our target marketed videos

allow you focus video content that can add to your credibility and

help generate quality leads Use these specific videos for your off week

drip


5 Use trust seals that matter

Trust seals will add credibility to you and your website Great trust

videos include Better Business Bureau (BBB) The BBB will allow you

to use their logo on your site after the investigation process (easy) BBB

is well worth the trouble and expense If you are a member of Life

Underwriters (you should be) it is a very credible trust badge DO NOT

use fake trust badges nor ever use a trust badge you have no legal right

to Use them thoughtfully and with a purpose

-----------------------------------------------------------------

Feel free to use this would make a good handout or an off week driphellipBB

10 Solid Reasons To Consider An Annuity For Your Retirement Foundation

Annuities arenrsquot for everyone you have seen me write about that often But when you are putting together your ldquobedrockrdquo foundation for your retirement plan they can be essential to that planning Think of layering this about safety and security as your foundation

The very bottom you your foundation is Social Security fully guaranteed income paid monthly Next would come your pension (if you earned one) another layer of guaranteed income On top of that should be your annuity income payable for life and available for use by your spouse should you die prematurely

Annuities seem to draw lots of controversy both good and bad Even President Obama suggested an annuity should be considered for your retirement planning and he isnrsquot the first one to say that Many years ago Benjamin Franklin offered the same sort of advice ldquoan annuity for living in your elder years is a wise choicerdquo


He thought so because he bought two of them one naming the city of Philadelphia as beneficiary which continued to receive benefits from Benrsquos annuity until 1977 Here are 10 solid reasons to consider an annuity as part of your retirement foundation

1 Outsource When you buy an annuity you are outsourcing the responsibility of

financial management The insurance company (for the benefit of getting to hold your money) promises to live up to their contractually guaranteed benefits If they guarantee a specific interest rate they will pay it If they guarantee income for a specific period of time they will pay it They assume the entire responsibility of management of your funds in return for allowing them to hold your money Insurance companies are professionally managed and highly regulated let them hold your money and enjoy the benefits the annuity provides

2 Two types of annuitieshellip Be Aware Ever buy an apple Think about

your choices at the market for apples Delicious Goldens Jonathans etc and the list goes on Fortunately with annuities you only have two choices those sold by insurance companies and those sold buy security licensed professionals The annuity sold by security professionals is called a variable annuity and their sale I regulated by the securities industry A variable annuity is actually a security wrapped in an annuity holder Your funds are invested in mutual fund type account (separate accounts) your funds can grow and they can shrink based on fund performance Variable annuities have a myriad of fees fees for asset management fees for the annuity wrapper and fees for additional riders attached to the annuity The second type of annuity is those sold via insurance professionals This type of annuity has no fees and will pay a set rate of return Fixed annuities are not regulated by the security industry but by your state of residence Department of Insurance Be careful which type of annuity you choose and always ask about fees If the broker says the annuity has fees it is likely a variable annuity ask the broker how the benefit you are being charged for can help your retirement plan

A good source for more information regarding variable annuities can be found at this link httpwwwfinraorginvestorsannuities

3 Probate avoidance According to AARP the cost of probate can be greater

than the cost of an average car Many assets naturally avoid probate and an annuity is one as long as you declare a named beneficiary It is a simple process the owner of the annuity designates who will receive the proceeds (or remaining value) of the annuity if the annuitant should die Probate can be both costly in time delay as well as financially expensive Probate costs can be high consider executor fees attorney fees court fees they all add up If you name a beneficiary to receive the proceeds of your annuity the funds (in most situations) are available in about 10 days and they are paid free of fees and expenses How about Natalie Wood the beautiful film star who died so tragically at


age 44 After she died it took 18 years for her estate to pass through probate and probate is public information Anyone could have requested to look at her probate estate and would have been granted permission

NOLO has more information about probate fees and expenses here is the link httpwwwnolocomlegal-encyclopediawhy-avoid-probate-29861html

4 Tax deferral and triple compounding Our old friend Albert Einstein

once said the most powerful formula on earth is the Theory of Compound Interest He is also quoted as saying ldquoCompound interest is the Eighth Wonder of the Worldrdquo Those are powerful quotes from a very smart man but what does that actually mean Letrsquos begin with compound interest and itrsquos definition Compound interest is interest added to a principal on deposit interest paid on the original deposit plus interest on the accrued interest Now add tax deferral if earned interest is not taxed but instead sent ahead to some future date then the interest earned would be paid on the entire earnings interest on deposit interest on the accrued interest and interest on the taxes not paid but deferred That is the actual Eighth Wonder of the World

5 Estate Planning Increasingly annuities are used for advanced (and simple)

estate planning They can provide income in a trust for a specific need such as the funding of a life insurance policy and they can be used as income for an heir outside of a trust They can be used as ldquolongevity toolrdquo to make sure heirs have income later in life They can be used as a foundational asset in a trust to help offset a spendthrift issue by adding stability Annuities are tax deferred and they can allow the beneficiary to continue with the tax deferral on inheritance of the annuity for a fixed time period which can allow for better tax management Annuities can make great charitable gifts to insure income for a specific gift that requires long term funding such as a homeless shelter Occasionally and only under direction of an attorney annuities can be used to help offset Nursing Home Expenses

Here is a link for more information about nursing home expenses and options wwwelderlawanswerscom

6 Safety Annuities issued by insurance companies are safe In this world nothing

is for sure and the word guaranteed is used as often and anything But annuities are safe and they arehellipguaranteed Annuities issued by insurance companies are some of the most highly regulated products in the financial world Not only does each state department of insurance have authority over any insurance company operating in the state but they also have the right to examine the books at any time Annuity companies are also required to keep in reserves enough money cover 100 of the outstanding contractual promises In other words should the annuity company decide to quit there is more than enough money cover all promises Not only are annuities covered by state regulators they are also guaranteed They are guaranteed by a little know agency called the State Guarantee Fund Each state has a limit of what they will guarantee and it does


differ form $100000 per person to $500000 in some states Your insurance agent for some unknown bureaucratic reason is not allowed to share with you this guarantee until AFTER you buy the annuity

Want more information about your state and the guarantees backing up the regulators backing up the insurance company backing up your annuity Here is the link httpswwwnolhgacompolicyholderinfomaincfm

7 Social Security Taxation Relief As spoken about above annuities are

allowed to tax defer interest earned until a later date chosen by the annuitant Because of how our taxation system works in reference to earned income in calculation of social security benefits annuities can help reduce taxation on social security Yes that is true taxation on social security does have limits Taxation on socials security depends on your overall income income from pensions and investments count towards the calculation

According to AARP Social Security Resources If you and your spouse file a joint return with a combined income below $32000 your benefits are not taxable For income between $32000 and $44000 up to 50 percent of benefits may be taxable and up to 85 percent if combined income is more than $44000Feb 10 2014 Here is the AARP link httpwwwaarporgworksocial-securityinfo-2014social-security-benefit-taxeshtml

Here is how an annuity can assist in reducing taxation on social security If a person has deposits in a bank account the interest earned is included as ordinary income Letrsquos assume a deposit in a bank CD is earning 3 that would become $3000 in taxable income whether the person uses the funds or not if they simply accumulate then the income and the deposit account are passive-funds available for future use BUT if the same deposit is in an annuity and the earned interest is deferred the earned interest is

not included in the calculation for annual ordinary income (When considering taxation issues

always consult your tax professional for information regarding your specific situation)

8 1035 Exchange Consider the situation where you have purchased a US

Treasury as long as you own that asset you are locked into it You are not allowed to make any changes to it without selling it There are no rules in place to take advantage of future circumstances The same goes for other investments such as bonds and stocks That rules does not include annuities The IRA allows for you to keep your tax deferral intact and move from company to company annuity contract to annuity contract all without exposure to taxation form your tax deferred earnings This provides the annuitant control over increasing future benefits and increasing future interest options The 1035 Exchange provides you with a perfect tool to manage your annuity retirement


account Even though the IRS allows the use of this exchange rules still need to be followed Here is the IRS link for more info httpwwwirsgovpubirs-dropn-03-51pdf

9 No Sales or Acquisition Expense Annuities which are sold through

insurance professionals do not charge the annuity buyer any acquisition fee or sales charges The cost of acquiring new annuity owners is built into the annuity itself whatever interest you are guaranteed is exactly what you will earn

10 Income For most of us the best benefit offered in an annuity is income

Immediate income annuities offer an immediate income stream for almost any possible time period even lifetime The income is guaranteed by the insurance company and can be paid monthly via direct deposit to your bank account The guaranteed income payment cannot be affected by market volatility helping shield your retirement income from market risk In addition most annuity products offer an income rider the rider allows you to know in advance exactly how much income you will have available at almost any future time period You can also include your spouse in any income plans plus income can be guaranteed for life In the event the annuitant (s) lives beyond their life expectance the insurance company will continue the annuity benefits If the opposite happens and a premature death occurs any unused benefit will be inherited by the named beneficiary A solid resource is the Securities and Exchange Commission here is a link to their annuity page httpwwwsecgovanswersannuityhtm

Annuities are terrific products when used to accomplish desired benefits Remember

an annuity is a longer term commitment make sure the benefits they provide match

up with your desired goals Always seek licensed experienced professionals to help you

understand the investment side of annuities as well as any possible tax situation

---------------------------------------------------

Us this pre-approach letter to increase the possibility of cross selling your clients It will also make a good off week drip for your Retire Village databasehellipBB Welcome an Audit Have you ever considered the benefit of an audit Not an IRS audit but a life insurance audit As our life evolves and changes so may our need for life insurance Possibly the


policy was purchased to cover a mortgage obligation and now that is not the situation We change and we evolve Itrsquos difficult for most people to know if you have the right type of life insurance Itrsquos hard to know if you have enough protection or too little And maybe an audit will show that your needs for life insurance are no longer needed The whole topic of life insurance came be intimidating and bewildering Just the names of the different types of policies can be more than one can understand Plus different policies are used for different goals cash value term how do you even know As life changes polices also change as well does the cost of insurance it keeps going down A recent study by life insurance advocacy group LIMRA discovered that most Americans thought a 20-year $250000 level term life policy for a healthy 30-year-old costs about $400 a year In reality annual premiums for such a policy typically run about $150 LIMRA also discovered that nearly 83 of consumers forego buying life insurance simply because they find it too confusing An audit might show you have been paying too much for your life insurance and a simple adjustment could lower your insurance costs This is why it is important for you to sit down annually with an insurance professional to review how your policy works and how it will help you to protect your family and to see if it continues to match up with your goals Reviewing your life insurance policies is one way to make sure you have the coverage that is right for you and your family now today Please feel free to contact me for a time to visit this easy to conduct audit Cordially Bill Broich PS During a recent audit with a long time client we discovered we could suspend further premiums and at the same time continue the full coverage

-----------------------------

I had this up last week but have an updatehellipBB

Our new video 401k fees and expenses is now available


This is an excellent video to show how fees and expenses can affect the long term performance of a 401(k)

Have a look

httpswwwyoutubecomwatchv=UsDINYKinYo

This video is available for any crew member (need RV site) to use for video marketing It would not have our number on it instead would be yours Replies would flow directly back to you

Now we CAN CUSTOMIZE THE FRONT FOR YOU NAME logo ETChellip


----------------------------------------------- Feel free to email me questions to put on Open MIChellipbbroichmsncom

Questions this week regarding beneficiates income riderses and leads BTWhellipThanks for the questions they help all of us

Q When your client turns on a LIBR income stream (income rider) how is this taxed

A We have had this question before It works like this Our

example is this $100000 deposited into a FIA gains $100000 to a accumulated value of $200000 The income rider side account could be more or less It is used to establish income rates The income available via the income rider is in our example $2500 a month The first $100000 (the gain) is fully taxable the second $100000 paid out is nontaxable (deposit basis) Income after that point (income beyond account value is fully taxable


QIf my client uses the 10 free withdrawal on his annuity is it taxable

A I was surprised at this question it would seem to me that anyone

selling annuities would know this Any funds removed from an annuity

(except those issued prior to 1982) is always earned interest first If the

annuity had more than 10 of the account value as accumulated interest it

is always the first to be removed so yes that would make it all taxable Any

of the original deposit withdrawn which would be included in the 10 free

withdrawal would not have tax liability

Agent Share

Crew Send me your shares and we will put them on Open MIC

notes that way we help each other in our Agent Community

Share from Dave Albin

From California Department of Insurance [mailtocdipressinsurancecagov] Sent Friday July 17 2015 1240 PM

Subject New law increases financial protections for seniors investing in annuities

NEWS RELEASE

New law increases financial protections for seniors investing in annuities

SACRAMENTO Calif - New consumer protections were ushered in yesterday when Governor Brown signed Senate Bill 426 (Leyva) into law


Sponsored by Insurance Commissioner Dave Jones the new law protects seniors and their beneficiaries from financial losses incurred when insurers apply surrender penalties to annuities paid as a death benefit

--------------------------------------------------------------------

Big Truck Partners


Anthony and family are on vacation in Alaska back

August 7

--------------------------------------------

Fidelity amp Guaranty Life

We are pleased to announce some positive changes coming to our annuity

product portfolio

Effective on the 8815 buy date we will be increasing the bonus on Safe Income Plus from

6 to 7

In addition on the 8815 buy date we will be offering a 50 bps agent commission special

on Safe Income Plus and Retirement Pro

o Safe Income Plus will become 775 street (up to age 75)

o Retirement Pro will be 8 street (up to age 75)

Any policies issued with the 88 buy date or later will get both the commission special and

increased bonus on Safe Income Plus

Stay tuned for more formal announcements as well as some cap increases for

August

Just let us know if you have any questions


Regards

Ryan Snyder

National Accounts Manager ndash Annuity


O 410-895-0027 M 443-280-5527

1001 Fleet Street

Baltimore Maryland 21202

------------------------

Product Information

Dave Townsend


A simple way to educate your clients what LTC services cost in your state how to conduct a client review and more in this newsletter Phone 253-381-2328

View in Browser

Week of July 20 2015

Marketing Concepts

A Simple Way to Educate Your Clients

As a financial professional you understand the importance of permanent life insurance but how do you share that with your clients This video offers an easy way to share the benefits of permanent life insurance

SHARE THE BENEFITS OF PERMANENT LIFE

Estate Planning for Same Sex Couples after Supreme Court Ruling

On June 26 2015 the United States Supreme Court issued its opinion in Obergefell v Hodges the name assigned to a series of consolidated cases on same-sex marriage rights The Court ruled 5-4 in favor of the petitioners holding that same-sex married couples are entitled to equal protection under the laws and that their marriages must be recognized nationwide

STAY UP TO DATE

What do LTC Services Cost in Your State

See top of Open MIC notes


The cost of LTC services differs greatly depending on where you live For example the national average cost for a semi-private room in a nursing home is $233 per day Yet costs range from $151 per day in Texas to $474 per day in Alaska So you can see why itrsquos important to know the actual cost of care in your state Yoursquoll find that valuable information in Mutual of Omaharsquos 2015 Cost-of-Care Study

HELP MAKE AN INFORMED DECISION

Watch and Learn How To Conduct a Client Review

Watch this video now and quickly learn a powerful way to help build your skills gain insightful tips and put a life insurance client review practice in place today

PUT INTO PRACTICE TODAY

Product Updates

Ladder Coverage with Term Riders

Laddering life insurance coverage allows clients to purchase the right amount of protection when they need it most The Term Rider is an additional insurance rider that provides temporary coverage for a shorter time period than the level term period of the base policy Using the Term Rider is a cost effective way to protect clients from being over- or underinsured as their financial responsibilities change over time

COST EFFECTIVE

Why Your Clients Need to Meet Paul

Clients are 2x as likely to surrender or exchange their life insurance policies than have the death benefit paid out Thats why you need a product that offers the high early cash value they need The new MetLife Premier Accumulator Universal Life (PAUL) provides high early cash value2 and 1 of typical universal life surrender charges that can give clients faster access to their money than traditional life insurance products

FASTER ACCESS TO MONEY

For Producer and Advisor Use Only Not for Client Use


Every week we send you an update with any recent important carrier changes to help you prepare for your week ahead so youll know exactly which carriers to be mindful of Only those carriers that have changes are listed Any interest rate adjustments product changes and even new state product approvals are included with links to receive complete details

AMERICAN EQUITY American Equity is making changes in the weeks ahead Apps need to be in the home office by July 29th to get the current income rider payout percentages The joint payout percentages will be going up but the male and female payouts will be going down

Click here for LIBR Sales Brochure and Disclosure


Click for Choice Series LIBR Sales Brochure and Disclosure


The Short List

Executive Director ndash The Society for Annuity Facts and Education

A competitive nationwide search is underway to fill a new role ndash Executive Director of

SAFE The Society for Annuity Facts and Education This is a virtual position ndash the

candidate can be located anywhere in the United States and is initially expected to work

out of their home office The job description appears below [hellip] The post Executive

Director ndash The Society for Annuity Facts and Education

(httpwwwlooktowinkcom201507executive-director-the-society-for-annuity-

facts-and-education) appeared first on Wink (httpwwwlooktowinkcom)

California Governor Signs Bill Prohibiting Surrender Penalties on Fixed Deferred Life Annuities

California Gov Jerry Brown has signed a bill prohibiting insurers from

charging surrender penalties on life annuities paid as a death benefit The

new law also requires the death benefit for fixed deferred annuities be at least equal to

either the annuity amount or the accumulation value for those annuities issued to

consumers 65 years [hellip] The post California Governor Signs Bill Prohibiting Surrender

Penalties on Fixed Deferred Life Annuities

(httpwwwlooktowinkcom201507california-governor-signs-bill-prohibiting-

surrender-penalties-on-fixed-deferred-life-annuities) appeared first on Wink

(httpwwwlooktowinkcom)

Credit Suisse cites impact of fiduciary rule on insurers

The comment period closes today (Monday) on a regulation proposed by the

Department of Labor that if imposed in its present form would have a sweeping impact

on insurers agents and advisors The DOL expects thousands of comment letters and

insurers and agents as well as industry lawyers and trade groups have been working on

[hellip] The post Credit Suisse cites impact of fiduciary rule on insurers

(httpwwwlooktowinkcom201507credit-suisse-cites-impact-of-fiduciary-rule-on-

insurers) appeared first on Wink (httpwwwlooktowinkcom)

The dangerous lie Dave Ramsey tells about cash value life insurance

Numbers fascinate me Patterns and coincidence puzzle me The other day I was in a

meeting sitting across from one of those leg-crossing men Click here to readhellip The post



(httpwwwlooktowinkcom201507the-dangerous-lie-dave-ramsey-tells-about-

cash-value-life-insurance) appeared first on Wink (httpwwwlooktowinkcom)

The Future of the Insurance Industry Is a Present Concern

Three trusted organizations have come together to empower the next generation of

insurance professionals with opportunities and learning resources The National

Alliance- dedicated to the mission of bringing new people to the industry- has joined

with Assurex Global to become the inaugural Sustaining Partners of Gamma Iota Sigma

According to William J Hold CRM CISR [hellip] The post The Future of the Insurance

Industry Is a Present Concern (httpwwwlooktowinkcom201507the-future-of-the-

insurance-industry-is-a-present-concern-2) appeared first on Wink


New Womenrsquos Financial Services Organization Announced

Life amp Annuity Masters (LAAM) a national insurance marketing organization has

launched the organization Women Empowering Financial Independence (WEFI) WEFI

a nationwide woman-owned and operated organization based in Simi Valley California

is dedicated exclusively to helping women succeed in the insurance and financial

services industry Reinventing the way the insurance and financial services industry

does [hellip] The post New Womenrsquos Financial Services Organization Announced

(httpwwwlooktowinkcom201507new-womens-financial-services-organization-

announced) appeared first on Wink (httpwwwlooktowinkcom)

Emulating Their Elders Can Help Young Adults Get Rich Fed Says

The key to success for young adults struggling to build wealth in the aftermath of the

biggest economic downturn since the Great Depression may come down to a familiar bit

of advice Mind your elders Click here to readhellip The post Emulating Their Elders Can

Help Young Adults Get Rich Fed Says

(httpwwwlooktowinkcom201507emulating-their-elders-can-help-young-adults-

get-rich-fed-says) appeared first on Wink (httpwwwlooktowinkcom)

Robust Growth Predicted In The RIA Channel


Yes many financial advisors are retiring and itrsquos not clear whether they can be replaced

in big enough numbers to sustain the industry over the long term Yes the regulatory

burdens on advisors are greater than they ever have been before and appear likely to

thicken Yes registered investment advisors (RIAs) are bound to face [hellip] The post


(httpwwwlooktowinkcom201507robust-growth-predicted-in-the-ria-channel)

appeared first on Wink (httpwwwlooktowinkcom)




analysts In a July 12 research note Credit Suisse singles out Lincoln National

Prudential Financial and Aegon as three firms for which VAs have been ldquoan important

driver of earnings growthrdquo VA sales [hellip] The post DOL Fiduciary Rule Would Slam

Variable Annuities Credit Suisse Says (httpwwwlooktowinkcom201507dol-

fiduciary-rule-would-slam-variable-annuities-credit-suisse-says) appeared first on

Wink (httpwwwlooktowinkcom)

Best and Worst States To Live In When Preparing For Retirement

New research the LPL Research Retirement Index from LPL Financial ranked US

states on their attractiveness for pre-retirees as they save and prepare for the challenges

ahead in retirement According to David Reich Executive Vice President Head of

Retirement Partners at LPL this new index is important because most other retirement

indexes examine how people are doing in retirement as [hellip] The post Best and Worst

States To Live In When Preparing For Retirement

(httpwwwlooktowinkcom201507best-and-worst-states-to-live-in-when-

preparing-for-retirement) appeared first on Wink (httpwwwlooktowinkcom)

What If Social Security Disappeared Tomorrow

What if American citizensrsquo pessimistic concerns about Social Security and its viability for

the future turned out to be accurate What if tomorrow Congress got together and came

to a fateful compromise Rather than trying to increase taxes or allow private

investment accounts with the currently collected FICA taxes they dissolved the

program Click here [hellip] The post What If Social Security Disappeared Tomorrow

(httpwwwlooktowinkcom201507what-if-social-security-disappeared-tomorrow)



Recent Fines Show Regulators Serious About Protecting Seniors

Recent fines against LPL Financial levied by Massachusetts financial regulators indicate

that some states are serious about enforcing regulations designed to protect seniors a

group often targeted by brokers and financial advisors In the latest example LPL

agreed to pay a $250000 fine to settle charges for ldquofailure to establish and enforce

review proceduresrdquo related [hellip] The post Recent Fines Show Regulators Serious About

Protecting Seniors (httpwwwlooktowinkcom201507recent-fines-show-

regulators-serious-about-protecting-seniors) appeared first on Wink


Voya Financial Files Comments on DOL Fiduciary Proposal

Voya Financial Inc (NYSE VOYA) announced today that it has filed comments in

connection with the Department of Labor (DOL) proposal to expand the definition of

ldquofiduciaryrdquo under the Employee Retirement Income Security Act (ERISA) This proposal

impacts the institutions and individuals across America that sponsor and save in

workplace retirement plans (401(k) 457 and [hellip] The post Voya Financial Files

Comments on DOL Fiduciary Proposal (httpwwwlooktowinkcom201507voya-

financial-files-comments-on-dol-fiduciary-proposal) appeared first on Wink


Fiduciary Rule Will Be a Vital Consumer Protection Obama Says

Too often Americans planning for retirement receive conflicted advice from brokers and

advisors who put their interests ahead of their clients critics charge One of the most

prominent critics President Obama renewed his call for stronger rules to protect

investors saving for retirement from conflicts of interest announcing a new push to

expand access to [hellip] The post Fiduciary Rule Will Be a Vital Consumer Protection

Obama Says (httpwwwlooktowinkcom201507fiduciary-rule-will-be-a-vital-

consumer-protection-obama-says) appeared first on Wink


10 things advisers should never say to female clients

When it comes to working with female clients many male financial advisers need a little

help to get it right How else can you explain the fact that an estimated 70 of widows

fire their male financial advisers after their husbands die and take their assets to a

female adviser Herersquos my list of real-life [hellip] The post 10 things advisers should never


say to female clients (httpwwwlooktowinkcom20150710-things-advisers-should-

never-say-to-female-clients) appeared first on Wink (httpwwwlooktowinkcom)

Highland Capital Brokerage to Acquire Select Brokerage Services Inc Announces New Managing Principal for HCB Southeast

Highland Capital Brokerage Inc (HCB) a subsidiary of Ladenburg Thalmann Financial

Services (NYSE MKT LTS) announced today that it will acquire Select Brokerage

Services Inc an affiliate of National Brokerage in Tampa Florida Lance Barton

formerly of Select Brokerage Services Inc has been named as the new managing

principal for HCBrsquos regional office located in [hellip] The post Highland Capital Brokerage

to Acquire Select Brokerage Services Inc Announces New Managing Principal for HCB

Southeast (httpwwwlooktowinkcom201507highland-capital-brokerage-to-

acquire-select-brokerage-services-inc-announces-new-managing-principal-for-hcb-

southeast) appeared first on Wink (httpwwwlooktowinkcom)

US Life Insurance Activity Up 2 In June

US application activity for individually underwritten life insurance was up +20 in

June year-over-year all ages combined according to the MIB Life Index The Index has

shown growth in ten of the last eleven months trailing marking +26 growth in the

second quarter over Q2 2014 Year-to-date (YTD) life insurance application activity was

up +21 [hellip] The post US Life Insurance Activity Up 2 In June

(httpwwwlooktowinkcom201507u-s-life-insurance-activity-up-2-in-june)


403(b) design diversifies but still heavy on annuities

Assets in 403(b) plans the tax-deferred defined-contribution option for non-profit and

educational institutions are fast approaching the $1 trillion mark new data from the

Investment Company Institute shows Thatrsquos compared to the $47 trillion held in

401(k) plans While the ICIrsquos new data on the non-profit workplace savings option

shows 403(b) plan design is benefiting from greater [hellip] The post 403(b) design

diversifies but still heavy on annuities (httpwwwlooktowinkcom201507403b-

design-diversifies-but-still-heavy-on-annuities-2) appeared first on Wink


Greater Transparency Needed From Fed on Insurance Regulation Experts Say


Congress should impose better transparency on the Federal Reserve especially as it

takes on a larger role in the regulation of insurance companies that if unchecked could

supplant the current system of state-based insurance regulators experts testified at a

hearing of the House Financial Services Oversight and Investigations subcommittee

ldquoThe Fed is empowered to examine [hellip] The post Greater Transparency Needed From

Fed on Insurance Regulation Experts Say

(httpwwwlooktowinkcom201507greater-transparency-needed-from-fed-on-

insurance-regulation-experts-say) appeared first on Wink


9 more tech tools to increase productivity

If you havenrsquot mastered the art of getting things done itrsquos no wonder you arenrsquot more

successful Being productive is one of the biggest struggles we face Itrsquos all too easy to let

the most important things go undone Click here to readhellip The post 9 more tech tools to

increase productivity (httpwwwlooktowinkcom2015079-more-tech-tools-to-

increase-productivity) appeared first on Wink (httpwwwlooktowinkcom)

3 Hidden Risks of Buying an Annuity

Annuities offer unique protection against the risk of living longer than your life

expectancy with terms that allow you to get dependable income throughout your

lifetime Yet annuities can be confusing and they come with risks that buyers donrsquot

always fully understand To make sure you know what yoursquore getting into with an

annuity contract [hellip] The post 3 Hidden Risks of Buying an Annuity

(httpwwwlooktowinkcom2015073-hidden-risks-of-buying-an-annuity)


DOL clarifies annuities in 401(k)s kind of

The Department of Labor has issued new guidance in a field assistance bulletin to clarify

existing safe harbor rules for immediate and deferred annuities in defined contribution

plans The new guidance comes as the DOL is in the process of considering amendments

to safe harbor regulations issued in 2008 Those safe harbor standards said a [hellip] The

post DOL clarifies annuities in 401(k)s kind of

(httpwwwlooktowinkcom201507dol-clarifies-annuities-in-401ks-kind-of)








shows 403(b) plan design is benefiting [hellip] The post 403(b) design diversifies but still

heavy on annuities (httpwwwlooktowinkcom201507403b-design-diversifies-but-

still-heavy-on-annuities) appeared first on Wink (httpwwwlooktowinkcom)

NAIC to Examine DOLrsquos Proposed IRA Annuity Rules

The National Association of Insurance Commissioners is not sure how the Department

of Laborrsquos proposed fiduciary rule would affect insurance markets but NAIC officials

said they are talking with the Obama administration to find out The NAIC said in a

statement that it is engaging the DOL and the Obama administration ldquoto further discuss

and [hellip] The post NAIC to Examine DOLrsquos Proposed IRA Annuity Rules

(httpwwwlooktowinkcom201507naic-to-examine-dols-proposed-ira-annuity-

rules) appeared first on Wink (httpwwwlooktowinkcom)

More Governments Get Into The Retirement Plan Act

For the most part the idea of establishing a municipal-level retirement savings

programs for workers in small businesses who have no access to a workplace savings

plan has been only that mdash an idea But a proposal along those lines is already under

study in New York City The city council had a hearing on [hellip] The post More

Governments Get Into The Retirement Plan Act

(httpwwwlooktowinkcom201507more-governments-get-into-the-retirement-

plan-act) appeared first on Wink (httpwwwlooktowinkcom)

RI Top Court Finds Insurable Interest Not Necessary in Annuities

In a legal decision that breaks new ground the Rhode Island Supreme Court has found

no requirement of insurable interest when it comes to the purchase of an annuity with a

death benefit Insurable interest is required in the purchase of life insurance policies to

prevent wagering on peoplersquos lives but the court found that [hellip] The post RI Top Court

Finds Insurable Interest Not Necessary in Annuities

(httpwwwlooktowinkcom201507r-i-top-court-finds-insurable-interest-not-

necessary-in-annuities) appeared first on Wink (httpwwwlooktowinkcom)


What advisors should know about 80 of American families

If yoursquore in your 40s or older you may remember the big flap when TV sitcom journalist

Murphy Brown played by Candice Bergen decided to have a baby without benefit of

marriage Among those who sounded off was then-Vice President Dan Quayle who

publicly chastised single mothers like the fictional Murphy for ldquoignoring the importance

[hellip] The post What advisors should know about 80 of American families

(httpwwwlooktowinkcom201507what-advisors-should-know-about-80-of-

american-families) appeared first on Wink (httpwwwlooktowinkcom)

Why women need to improve their financial literacy

A December 2014 story from The New York Times concluded that the divorce rate in the

United States has fallen off Justin Wolfers a University of Michigan economist wrote

that the divorce rate peaked in 1981 at 53 divorces per 1000 people Itrsquos steadily fallen

to 34 divorces per thousand in 2012 (although that excludes data for [hellip] The post Why

women need to improve their financial literacy

(httpwwwlooktowinkcom201507why-women-need-to-improve-their-financial-

literacy) appeared first on Wink (httpwwwlooktowinkcom)

Fraud securities law violation accusations levied against high-profile Baltimore advisor

A wide range of violations are being levied against a high-profile advisor in the

Baltimore area in a case fraught with ethics issues Maryland Attorney General Brian E

Frosh announced last month that his office is seeking to shut down the investment

advisory operations of Everest Wealth Management Inc and Everest Investment

Advisors located in [hellip] The post Fraud securities law violation accusations levied

against high-profile Baltimore advisor (httpwwwlooktowinkcom201507fraud-

securities-law-violation-accusations-levied-against-high-profile-baltimore-advisor)


The case for skipping the 401(k)-to-IRA rollover

Few options may seem to exist when determining what to do with the funds a client has

accumulated in an employer-sponsored 401(k) upon changing employers mdash and the

most likely course of action is to roll those funds into an IRA While this strategy may be

advisable in some cases and can certainly serve to [hellip] The post The case for skipping

the 401(k)-to-IRA rollover (httpwwwlooktowinkcom201507the-case-for-


skipping-the-401k-to-ira-rollover) appeared first on Wink


FIA Buyers Keep Getting Younger

Fixed index annuity (FIA) buyers are getting increasingly younger according to an

analysis of sales data for the first quarter periods in the last four years The average age

for buyers in first quarter 2015 was 62 with the age range being 47 to 70 according to

quarterly FIA sales trends data from Wink Inc [hellip] The post FIA Buyers Keep Getting

Younger (httpwwwlooktowinkcom201507fia-buyers-keep-getting-younger)


We Recommend wwwannuitycomagenttools If you are not using this Free resource you are missing outdid I mention it is free There is a ton of info here it requires no password and it is up to date information

----------------------------------


Disclaimer

David Townsend and I own Annuitycom but we have a lot of marketing

friends friends that you might be better off if you knew them Joe Rych at

Retire Village Anthony Owen at Annuity Agents Alliance Sherilyn Orr at

Infofuel Kevin and Allison at FinAuction Tom Bradley at First

Annuityhellipand many more

My opinion andor numerous sources complied by me are used in

preparing Open MIC

I obtain information from many sources print internet agent gossip and other media I always try and provide the original source or the link but my note taking habitually is lacking

Much of the content on Open MIC is written by me and is my personal opinion You should never consider that I am an authority or expert on anything Always consult professionals who are licensed to give correct advice regarding taxes and securities and other topics of great importance

I probably know more than the average agent when it comes to marketing annuities and am fully licensed as an insurance salesman I sell state approved annuity products provided by licensed insurance companies

I am also NOT an economist by license only by hobby If you decide to make decisions based on my particular view of the world you should get the information verified by licensed professionals or get your head examined

Open MIC is and was created for the entertainment of our agents family friends guests industry spies and me Be careful with the information contained in Open MIC and always get advice from licensed professionals You never know sometimes I might make something uphellipso always verify

Also the information I create myself and used in Open MIC is free I assert no copyright or literary rights Copy away

Our competitors will copy Open MIC anyway so I might just as well give it away saves so much mental anguish and sleepless nights

Although we may promote andor recommend the services offered by third party vendors agents are ultimately responsible for the use of any material or services and agree to comply with the compliance requirements of their brokerdealer or registered investment advisor (if applicable) and the insurance carriers they represent

More Legal Stuff


Be responsible we cannot know your individual situation always do your own due diligence before responding to any offer or investing any money

I cant accept responsibility for the profitability or legality of any published articles or opinions published in Open MIC Nothing in these Open MIC notes should be considered personalized advice Although I may answer your general questions I am not licensed under securities laws to address your particular situation No communication by me to you should be deemed as personalized advice

And although all of the articles have been selected for their content however in the interests of balanced reporting we often publish articles we may not agree with the publishing of such articles within Open MIC notes does NOT constitute a recommendation of the products or services mentioned or advertised within those articles Boise State did play in the Fiesta Bowl and end 12-2hellipanother fabulous year

Did you know that since 2000 Boise State is 92-4 at home In the past 10 years Boise State is the winningest football team in division 1 113 wins

We make no compensation for the publishing (or hosting) of Open MIC Notesin fact it costs us for the phone call in systemoh well

Also our daughter Annie made it home safe from 6 months in South America ready to start the next chapter of her life in St Louis

HELP WANTED

Internal Annuity Agent Recruiting Wholesaler

Compensation $30000 Plus Bonus with Six Figure Income Potential

Annuity Agents Alliance is a family owned and operated national insurance marketing firm established

in 2007 and located in Thornton CO We provide a variety of support mechanisms and industry

leading life insurance and annuity products for independent retirement planning advisors nationwide

POSITION SUMMARY

Our rapidly growing firm is currently seeking an energetic highly motivated business savvy individual

to fill the position of internal annuity wholesaler This position is part sales part client manager

RESPONSIBILITIES

bull Build your own group of adviors to contribute to overall production of the company

bull Recruit advisors through a variety of methods including by phone mailemail and in person to

sell fixed annuities through our firm

bull Buildsupportmaintain relationships with advisors and their practices nationwide

bull Provide advisors with case design insurance product information and quotations to aid in agent

sales process

bull Some travel required

bull Some cold calling required

QUALIFICATIONS

bull College degree in businessfinancemarketing or related field - Recent college graduates are

encouraged to apply

bull Driven with strong work ethic

bull Ability to grasp advanced sales concepts and ideas

bull Ability to maintain accurate notes in company database

bull Ability to communicate clearly with clientele and staff

bull Must work well alone and within a team

bull Customer service mentality

bull Superb telephone skills

bull Computer literate Strong working knowledge of MS Office products

bull Must own or be willing to purchase Windows based laptop computer

bull FICA above 600 and be able to pass financial and background check

bull No bankruptcies in past 7 years amp no current unpaid judgements

bull Ideal candidates have 1 or 2 years industry experience but not required

STATUS

bull Full-time position

bull First year salary is $30000 plus bonus

This is a fun fast paced and competitive work environment in a recession proof industry Internal

annuity wholesalers average $50000+ in their first year so we expect the same from new

candidates Six figure income potential beginning years 2-3 Complete training provided No

experience necessary but qualified candidates must have a basic understanding of businessfinance

Must be self-directed and motivated Work from home or office location of your choice once training

is complete






to visit

----------------------------------------------------------






-------------------------------------------------- Of Interest



















DOLrsquos Doorstep









mdash AARP

---------------------------------------------




By John Hilton



analysts










----------------------------------------------------------------------------------------



insurance





Thatrsquos all



------------------------------------------------------------





needed definitions






--------------------------------------------------------------------------------


Longevity Tool





-----------------------------------------------------


We can help







Sales and Marketing






-----------------------------------------------------














couple of weeks



















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words







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-----------------------------------------------------------------














































---------------------------------------------------




-----------------------------





Have a look



















Agent Share






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--------------------------------------------------------------------

Big Truck Partners



August 7

--------------------------------------------



product portfolio


6 to 7








August



Regards

Ryan Snyder



O 410-895-0027 M 443-280-5527

1001 Fleet Street


------------------------

Product Information

Dave Townsend



View in Browser


Marketing Concepts






STAY UP TO DATE









Product Updates



COST EFFECTIVE












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----------------------------------


Disclaimer







preparing Open MIC









More Legal Stuff













to visit

----------------------------------------------------------






-------------------------------------------------- Of Interest



















DOLrsquos Doorstep









mdash AARP

---------------------------------------------




By John Hilton



analysts










----------------------------------------------------------------------------------------



insurance





Thatrsquos all



------------------------------------------------------------





needed definitions






--------------------------------------------------------------------------------


Longevity Tool





-----------------------------------------------------


We can help







Sales and Marketing






-----------------------------------------------------














couple of weeks



















fact they can










words







drip










-----------------------------------------------------------------














































---------------------------------------------------




-----------------------------





Have a look



















Agent Share






NEWS RELEASE





--------------------------------------------------------------------

Big Truck Partners



August 7

--------------------------------------------



product portfolio


6 to 7








August



Regards

Ryan Snyder



O 410-895-0027 M 443-280-5527

1001 Fleet Street


------------------------

Product Information

Dave Townsend



View in Browser


Marketing Concepts






STAY UP TO DATE









Product Updates



COST EFFECTIVE












The Short List










































































































































































































































































----------------------------------


Disclaimer







preparing Open MIC









More Legal Stuff













-------------------------------------------------- Of Interest



















DOLrsquos Doorstep









mdash AARP

---------------------------------------------




By John Hilton



analysts










----------------------------------------------------------------------------------------



insurance





Thatrsquos all



------------------------------------------------------------





needed definitions






--------------------------------------------------------------------------------


Longevity Tool





-----------------------------------------------------


We can help







Sales and Marketing






-----------------------------------------------------














couple of weeks



















fact they can










words







drip










-----------------------------------------------------------------














































---------------------------------------------------




-----------------------------





Have a look



















Agent Share






NEWS RELEASE





--------------------------------------------------------------------

Big Truck Partners



August 7

--------------------------------------------



product portfolio


6 to 7








August



Regards

Ryan Snyder



O 410-895-0027 M 443-280-5527

1001 Fleet Street


------------------------

Product Information

Dave Townsend



View in Browser


Marketing Concepts






STAY UP TO DATE









Product Updates



COST EFFECTIVE












The Short List










































































































































































































































































----------------------------------


Disclaimer







preparing Open MIC









More Legal Stuff















DOLrsquos Doorstep









mdash AARP

---------------------------------------------




By John Hilton



analysts










----------------------------------------------------------------------------------------



insurance





Thatrsquos all



------------------------------------------------------------





needed definitions






--------------------------------------------------------------------------------


Longevity Tool





-----------------------------------------------------


We can help







Sales and Marketing






-----------------------------------------------------














couple of weeks



















fact they can










words







drip










-----------------------------------------------------------------














































---------------------------------------------------




-----------------------------





Have a look



















Agent Share






NEWS RELEASE





--------------------------------------------------------------------

Big Truck Partners



August 7

--------------------------------------------



product portfolio


6 to 7








August



Regards

Ryan Snyder



O 410-895-0027 M 443-280-5527

1001 Fleet Street


------------------------

Product Information

Dave Townsend



View in Browser


Marketing Concepts






STAY UP TO DATE









Product Updates



COST EFFECTIVE












The Short List










































































































































































































































































----------------------------------


Disclaimer







preparing Open MIC









More Legal Stuff












mdash AARP

---------------------------------------------




By John Hilton



analysts










----------------------------------------------------------------------------------------



insurance





Thatrsquos all



------------------------------------------------------------





needed definitions






--------------------------------------------------------------------------------


Longevity Tool





-----------------------------------------------------


We can help







Sales and Marketing






-----------------------------------------------------














couple of weeks



















fact they can










words







drip










-----------------------------------------------------------------














































---------------------------------------------------




-----------------------------





Have a look



















Agent Share






NEWS RELEASE





--------------------------------------------------------------------

Big Truck Partners



August 7

--------------------------------------------



product portfolio


6 to 7








August



Regards

Ryan Snyder



O 410-895-0027 M 443-280-5527

1001 Fleet Street


------------------------

Product Information

Dave Townsend



View in Browser


Marketing Concepts






STAY UP TO DATE









Product Updates



COST EFFECTIVE












The Short List










































































































































































































































































----------------------------------


Disclaimer







preparing Open MIC









More Legal Stuff

















----------------------------------------------------------------------------------------



insurance





Thatrsquos all



------------------------------------------------------------





needed definitions






--------------------------------------------------------------------------------


Longevity Tool





-----------------------------------------------------


We can help







Sales and Marketing






-----------------------------------------------------














couple of weeks



















fact they can










words







drip










-----------------------------------------------------------------














































---------------------------------------------------




-----------------------------





Have a look



















Agent Share






NEWS RELEASE





--------------------------------------------------------------------

Big Truck Partners



August 7

--------------------------------------------



product portfolio


6 to 7








August



Regards

Ryan Snyder



O 410-895-0027 M 443-280-5527

1001 Fleet Street


------------------------

Product Information

Dave Townsend



View in Browser


Marketing Concepts






STAY UP TO DATE









Product Updates



COST EFFECTIVE












The Short List










































































































































































































































































----------------------------------


Disclaimer







preparing Open MIC









More Legal Stuff










------------------------------------------------------------





needed definitions






--------------------------------------------------------------------------------


Longevity Tool





-----------------------------------------------------


We can help







Sales and Marketing






-----------------------------------------------------














couple of weeks



















fact they can










words







drip










-----------------------------------------------------------------














































---------------------------------------------------




-----------------------------





Have a look



















Agent Share






NEWS RELEASE





--------------------------------------------------------------------

Big Truck Partners



August 7

--------------------------------------------



product portfolio


6 to 7








August



Regards

Ryan Snyder



O 410-895-0027 M 443-280-5527

1001 Fleet Street


------------------------

Product Information

Dave Townsend



View in Browser


Marketing Concepts






STAY UP TO DATE









Product Updates



COST EFFECTIVE












The Short List










































































































































































































































































----------------------------------


Disclaimer







preparing Open MIC









More Legal Stuff













--------------------------------------------------------------------------------


Longevity Tool





-----------------------------------------------------


We can help







Sales and Marketing






-----------------------------------------------------














couple of weeks



















fact they can










words







drip










-----------------------------------------------------------------














































---------------------------------------------------




-----------------------------





Have a look



















Agent Share






NEWS RELEASE





--------------------------------------------------------------------

Big Truck Partners



August 7

--------------------------------------------



product portfolio


6 to 7








August



Regards

Ryan Snyder



O 410-895-0027 M 443-280-5527

1001 Fleet Street


------------------------

Product Information

Dave Townsend



View in Browser


Marketing Concepts






STAY UP TO DATE









Product Updates



COST EFFECTIVE












The Short List










































































































































































































































































----------------------------------


Disclaimer







preparing Open MIC









More Legal Stuff










--------------------------------------------------------------------------------


Longevity Tool





-----------------------------------------------------


We can help







Sales and Marketing






-----------------------------------------------------














couple of weeks



















fact they can










words







drip










-----------------------------------------------------------------














































---------------------------------------------------




-----------------------------





Have a look



















Agent Share






NEWS RELEASE





--------------------------------------------------------------------

Big Truck Partners



August 7

--------------------------------------------



product portfolio


6 to 7








August



Regards

Ryan Snyder



O 410-895-0027 M 443-280-5527

1001 Fleet Street


------------------------

Product Information

Dave Townsend



View in Browser


Marketing Concepts






STAY UP TO DATE









Product Updates



COST EFFECTIVE












The Short List










































































































































































































































































----------------------------------


Disclaimer







preparing Open MIC









More Legal Stuff











-----------------------------------------------------


We can help







Sales and Marketing






-----------------------------------------------------














couple of weeks



















fact they can










words







drip










-----------------------------------------------------------------














































---------------------------------------------------




-----------------------------





Have a look



















Agent Share






NEWS RELEASE





--------------------------------------------------------------------

Big Truck Partners



August 7

--------------------------------------------



product portfolio


6 to 7








August



Regards

Ryan Snyder



O 410-895-0027 M 443-280-5527

1001 Fleet Street


------------------------

Product Information

Dave Townsend



View in Browser


Marketing Concepts






STAY UP TO DATE









Product Updates



COST EFFECTIVE












The Short List










































































































































































































































































----------------------------------


Disclaimer







preparing Open MIC









More Legal Stuff









-----------------------------------------------------


We can help







Sales and Marketing






-----------------------------------------------------














couple of weeks



















fact they can










words







drip










-----------------------------------------------------------------














































---------------------------------------------------




-----------------------------





Have a look



















Agent Share






NEWS RELEASE





--------------------------------------------------------------------

Big Truck Partners



August 7

--------------------------------------------



product portfolio


6 to 7








August



Regards

Ryan Snyder



O 410-895-0027 M 443-280-5527

1001 Fleet Street


------------------------

Product Information

Dave Townsend



View in Browser


Marketing Concepts






STAY UP TO DATE









Product Updates



COST EFFECTIVE












The Short List










































































































































































































































































----------------------------------


Disclaimer







preparing Open MIC









More Legal Stuff












Sales and Marketing






-----------------------------------------------------














couple of weeks



















fact they can










words







drip










-----------------------------------------------------------------














































---------------------------------------------------




-----------------------------





Have a look



















Agent Share






NEWS RELEASE





--------------------------------------------------------------------

Big Truck Partners



August 7

--------------------------------------------



product portfolio


6 to 7








August



Regards

Ryan Snyder



O 410-895-0027 M 443-280-5527

1001 Fleet Street


------------------------

Product Information

Dave Townsend



View in Browser


Marketing Concepts






STAY UP TO DATE









Product Updates



COST EFFECTIVE












The Short List










































































































































































































































































----------------------------------


Disclaimer







preparing Open MIC









More Legal Stuff









-----------------------------------------------------














couple of weeks



















fact they can










words







drip










-----------------------------------------------------------------














































---------------------------------------------------




-----------------------------





Have a look



















Agent Share






NEWS RELEASE





--------------------------------------------------------------------

Big Truck Partners



August 7

--------------------------------------------



product portfolio


6 to 7








August



Regards

Ryan Snyder



O 410-895-0027 M 443-280-5527

1001 Fleet Street


------------------------

Product Information

Dave Townsend



View in Browser


Marketing Concepts






STAY UP TO DATE









Product Updates



COST EFFECTIVE












The Short List










































































































































































































































































----------------------------------


Disclaimer







preparing Open MIC









More Legal Stuff














couple of weeks



















fact they can










words







drip










-----------------------------------------------------------------














































---------------------------------------------------




-----------------------------





Have a look



















Agent Share






NEWS RELEASE





--------------------------------------------------------------------

Big Truck Partners



August 7

--------------------------------------------



product portfolio


6 to 7








August



Regards

Ryan Snyder



O 410-895-0027 M 443-280-5527

1001 Fleet Street


------------------------

Product Information

Dave Townsend



View in Browser


Marketing Concepts






STAY UP TO DATE









Product Updates



COST EFFECTIVE












The Short List










































































































































































































































































----------------------------------


Disclaimer







preparing Open MIC









More Legal Stuff
















words







drip










-----------------------------------------------------------------














































---------------------------------------------------




-----------------------------





Have a look



















Agent Share






NEWS RELEASE





--------------------------------------------------------------------

Big Truck Partners



August 7

--------------------------------------------



product portfolio


6 to 7








August



Regards

Ryan Snyder



O 410-895-0027 M 443-280-5527

1001 Fleet Street


------------------------

Product Information

Dave Townsend



View in Browser


Marketing Concepts






STAY UP TO DATE









Product Updates



COST EFFECTIVE












The Short List










































































































































































































































































----------------------------------


Disclaimer







preparing Open MIC









More Legal Stuff

















-----------------------------------------------------------------














































---------------------------------------------------




-----------------------------





Have a look



















Agent Share






NEWS RELEASE





--------------------------------------------------------------------

Big Truck Partners



August 7

--------------------------------------------



product portfolio


6 to 7








August



Regards

Ryan Snyder



O 410-895-0027 M 443-280-5527

1001 Fleet Street


------------------------

Product Information

Dave Townsend



View in Browser


Marketing Concepts






STAY UP TO DATE









Product Updates



COST EFFECTIVE












The Short List










































































































































































































































































----------------------------------


Disclaimer







preparing Open MIC









More Legal Stuff
















































---------------------------------------------------




-----------------------------





Have a look



















Agent Share






NEWS RELEASE





--------------------------------------------------------------------

Big Truck Partners



August 7

--------------------------------------------



product portfolio


6 to 7








August



Regards

Ryan Snyder



O 410-895-0027 M 443-280-5527

1001 Fleet Street


------------------------

Product Information

Dave Townsend



View in Browser


Marketing Concepts






STAY UP TO DATE









Product Updates



COST EFFECTIVE












The Short List










































































































































































































































































----------------------------------


Disclaimer







preparing Open MIC









More Legal Stuff







































---------------------------------------------------




-----------------------------





Have a look



















Agent Share






NEWS RELEASE





--------------------------------------------------------------------

Big Truck Partners



August 7

--------------------------------------------



product portfolio


6 to 7








August



Regards

Ryan Snyder



O 410-895-0027 M 443-280-5527

1001 Fleet Street


------------------------

Product Information

Dave Townsend



View in Browser


Marketing Concepts






STAY UP TO DATE









Product Updates



COST EFFECTIVE












The Short List










































































































































































































































































----------------------------------


Disclaimer







preparing Open MIC









More Legal Stuff





























---------------------------------------------------




-----------------------------





Have a look



















Agent Share






NEWS RELEASE





--------------------------------------------------------------------

Big Truck Partners



August 7

--------------------------------------------



product portfolio


6 to 7








August



Regards

Ryan Snyder



O 410-895-0027 M 443-280-5527

1001 Fleet Street


------------------------

Product Information

Dave Townsend



View in Browser


Marketing Concepts






STAY UP TO DATE









Product Updates



COST EFFECTIVE












The Short List










































































































































































































































































----------------------------------


Disclaimer







preparing Open MIC









More Legal Stuff


















---------------------------------------------------




-----------------------------





Have a look



















Agent Share






NEWS RELEASE





--------------------------------------------------------------------

Big Truck Partners



August 7

--------------------------------------------



product portfolio


6 to 7








August



Regards

Ryan Snyder



O 410-895-0027 M 443-280-5527

1001 Fleet Street


------------------------

Product Information

Dave Townsend



View in Browser


Marketing Concepts






STAY UP TO DATE









Product Updates



COST EFFECTIVE












The Short List










































































































































































































































































----------------------------------


Disclaimer







preparing Open MIC









More Legal Stuff










-----------------------------





Have a look



















Agent Share






NEWS RELEASE





--------------------------------------------------------------------

Big Truck Partners



August 7

--------------------------------------------



product portfolio


6 to 7








August



Regards

Ryan Snyder



O 410-895-0027 M 443-280-5527

1001 Fleet Street


------------------------

Product Information

Dave Townsend



View in Browser


Marketing Concepts






STAY UP TO DATE









Product Updates



COST EFFECTIVE












The Short List










































































































































































































































































----------------------------------


Disclaimer







preparing Open MIC









More Legal Stuff










Have a look



















Agent Share






NEWS RELEASE





--------------------------------------------------------------------

Big Truck Partners



August 7

--------------------------------------------



product portfolio


6 to 7








August



Regards

Ryan Snyder



O 410-895-0027 M 443-280-5527

1001 Fleet Street


------------------------

Product Information

Dave Townsend



View in Browser


Marketing Concepts






STAY UP TO DATE









Product Updates



COST EFFECTIVE












The Short List










































































































































































































































































----------------------------------


Disclaimer







preparing Open MIC









More Legal Stuff























Agent Share






NEWS RELEASE





--------------------------------------------------------------------

Big Truck Partners



August 7

--------------------------------------------



product portfolio


6 to 7








August



Regards

Ryan Snyder



O 410-895-0027 M 443-280-5527

1001 Fleet Street


------------------------

Product Information

Dave Townsend



View in Browser


Marketing Concepts






STAY UP TO DATE









Product Updates



COST EFFECTIVE












The Short List










































































































































































































































































----------------------------------


Disclaimer







preparing Open MIC









More Legal Stuff

















Agent Share






NEWS RELEASE





--------------------------------------------------------------------

Big Truck Partners



August 7

--------------------------------------------



product portfolio


6 to 7








August



Regards

Ryan Snyder



O 410-895-0027 M 443-280-5527

1001 Fleet Street


------------------------

Product Information

Dave Townsend



View in Browser


Marketing Concepts






STAY UP TO DATE









Product Updates



COST EFFECTIVE












The Short List










































































































































































































































































----------------------------------


Disclaimer







preparing Open MIC









More Legal Stuff










--------------------------------------------------------------------

Big Truck Partners



August 7

--------------------------------------------



product portfolio


6 to 7








August



Regards

Ryan Snyder



O 410-895-0027 M 443-280-5527

1001 Fleet Street


------------------------

Product Information

Dave Townsend



View in Browser


Marketing Concepts






STAY UP TO DATE









Product Updates



COST EFFECTIVE












The Short List










































































































































































































































































----------------------------------


Disclaimer







preparing Open MIC









More Legal Stuff










August 7

--------------------------------------------



product portfolio


6 to 7








August



Regards

Ryan Snyder



O 410-895-0027 M 443-280-5527

1001 Fleet Street


------------------------

Product Information

Dave Townsend



View in Browser


Marketing Concepts






STAY UP TO DATE









Product Updates



COST EFFECTIVE












The Short List










































































































































































































































































----------------------------------


Disclaimer







preparing Open MIC









More Legal Stuff









Regards

Ryan Snyder



O 410-895-0027 M 443-280-5527

1001 Fleet Street


------------------------

Product Information

Dave Townsend



View in Browser


Marketing Concepts






STAY UP TO DATE









Product Updates



COST EFFECTIVE












The Short List










































































































































































































































































----------------------------------


Disclaimer







preparing Open MIC









More Legal Stuff










View in Browser


Marketing Concepts






STAY UP TO DATE









Product Updates



COST EFFECTIVE












The Short List










































































































































































































































































----------------------------------


Disclaimer







preparing Open MIC









More Legal Stuff














Product Updates



COST EFFECTIVE












The Short List










































































































































































































































































----------------------------------


Disclaimer







preparing Open MIC









More Legal Stuff















The Short List










































































































































































































































































----------------------------------


Disclaimer







preparing Open MIC









More Legal Stuff











The Short List










































































































































































































































































----------------------------------


Disclaimer







preparing Open MIC









More Legal Stuff









The Short List










































































































































































































































































----------------------------------


Disclaimer







preparing Open MIC









More Legal Stuff



















































































































































































































































----------------------------------


Disclaimer







preparing Open MIC









More Legal Stuff






















































































































































































































----------------------------------


Disclaimer







preparing Open MIC









More Legal Stuff




















































































































































































----------------------------------


Disclaimer







preparing Open MIC









More Legal Stuff



















































































































































----------------------------------


Disclaimer







preparing Open MIC









More Legal Stuff




















































































































----------------------------------


Disclaimer







preparing Open MIC









More Legal Stuff



















































































----------------------------------


Disclaimer







preparing Open MIC









More Legal Stuff



















































----------------------------------


Disclaimer







preparing Open MIC









More Legal Stuff



















----------------------------------


Disclaimer







preparing Open MIC









More Legal Stuff









Disclaimer







preparing Open MIC









More Legal Stuff















Documents

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