Your Financial Life May Reach a Challenging Dilemma

Increase the death proceeds to your beneficiaries while spreading the tax impact on your qualified or tax-deferred holdings. Enjoy the security of access to funds in the event of a chronic illness. Earn index-linked returns while protecting your values from declining markets. Sooner or later, your financial life may reach a challenging dilemma: to position[…]

travel reward for Life insurance agents

The Power of a Tax-Deferred Annuity

A tax-deferred annuity is a contract between you and the insurance company with guaranteed interest and guaranteed annuity income options. Advantages of a Tax-Deferred Annuity: Tax Deferral: One of the primary advantages of deferred annuities is the opportunity to accumulate a substantial sum of money by allowing your premium and interest to grow tax-deferred. Unlike[…]

life insurance marketing organization and annuity IMO

What is your investment comfort zone?

Think of it this way: Everyone has a comfort zone when it comes to weather. Some people like the hot temperature of the south; some like the cooler, wetter climates in the northwest; still others would rather have a seasonal variety, like you get in the north. It can be similar with your investment comfort[…]

Insurance and annuity marketing

Goldman Sachs Dynamo Strategy Index® Annuity

Multi-Asset Risk-Controlled Index Available with the DYNAMARC INDEX® ANNUITY DYNAMARC INDEX ANNUITY features several account options which offer index-linked crediting covering a variety of strategies. Each strategy is designed to benefit from index gains, while providing protection during index declines. Two of the crediting strategies for DYNAMARC INDEX ANNUITY are based on the Goldman Sachs[…]

Tax Deferred Annuity
Life Insurance and Annuity

Are you an emotional investor?

Are you an emotional investor? Some people make emotional financial decisions based on the messages and advertisements presented to them from the investment community. Does this describe you? We’ve created a test so you can find out! Let’s go through this fun little exercise together. Below you will find a series of historical performance charts.[…]

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Are Insurance Companies Really Safe?

Recently, we have all witnessed a dramatic change in the attitudes people have about their money. Investors have begun seeking ways to properly eliminate risk and preserve long-term, guaranteed growth. When people seek safety and protection, they often consider utilizing the services and guarantees of America’s insurance industry. For many years, people have considered annuities[…]

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Lifetime Income Benefit Rider

You’ve Done the Work. Now Enioy the Ride. You worked hard. From saving up for your first car to building up your nest egg, you put in the time and the energy to prepare for what may lie ahead. And, now you have earned the opportunity to enjoy your golden years. As you look forward[…]

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You deserve to live your dream retirement

If you’re like many people, you have imagined what your ideal retirement would look like. Maybe it involves travel to new and exciting destinations. Perhaps you want to fill your time with children, grandchildren and even great-grandchildren! You deserve to live your dream retirement, but are you prepared? Many consumers are not adequately prepared financially for[…]

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Early Mortgage Payoff

Signature Guaranteed Universal Life Insurance Case Study: Sonny and Maureen, 42, had been discussing their future and how they would save for retirement in order to retire early in 20 years when they reached age 62. Sonny was the primary provider while Maureen worked part time when the kids were in school to help with[…]

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Choice Series Rate Adjustments Effective December 6, 2016

 American Equity’s Choice Series rates has been changed on December 6, 2016.  We are happy to announce that rates are increasing on the Annual Point to Point with Cap and Annual Point to Point with Participation Rate. All contracts issued December 6, 2016 or after will receive the new rates as outlined below.  There will[…]

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American Equity’s Commission Rates

Effective January 3, 2017, the commission rate on American Equity’s Foundation Gold will be adjusted.  The street-level commission rate will be reduced by 30 bps, which is less than a 5% change.  Other companies within the industry made a similar commission rate reduction in the third quarter of 2016.  The Foundation Gold commission Option A[…]

American Equity Products Discontinued in California

As required by the state of California, sales for the following American Equity products will be discontinued effective December 30, 2016. Bonus Gold (INDEX-1-07) Retirement Gold (INDEX-2-09) Advantage Gold (INDEX-6-07) Premier Eagle 10 (FPDA-7-08) Premier Eagle 12 (FRG-2-09) Business for the products listed above must be ISSUED by December 30, 2016. Business not issued by[…]

Reduce or Eliminate the Burden

If you are a married Social Security recipient, you know that one day you or your Spouse will be widowed.  All too often, the tragedy of losing a Spouse is accompanied by a loss of income for the survivor.  This income loss is the result of a reduction in Social Security benefits to the household[…]

Benefits and Riders

How do these riders work? The Accelerated Benefit Riders (ABRs) are offered for no additional premium. However, the accelerated benefit payment will be less than the amount of death benefit requested because it is reduced by an amount calculated based on evaluation of the insured’s future expected mortality at the time the benefit is exercised[…]

LEAD GENERATION & MARKETING

DFS Marketing consults with the most successful lead generation resources in the nation. Each month, we evaluate new opportunities that have proven to drive new prospects to your practice. Continuous marketing is the first step in building consistently increasing revenues and a hallmark of every top producer we serve. Avoid the common mistakes and take[…]

Divorce Planning with Life Insurance

Divorce Planning When two people marry, they are not contemplating that someday they may be involved in divorce planning. However, all too often this is where marriage can wind up. In a dissolution of marriage, family properly must be divided up and provisions are made for children. Child support, and often alimony payments, can be[…]

Baby Boomers’ Low Retirement IQ

New Data Shows Baby Boomers’ Low Retirement IQ Today, the IALC released new data that shows many baby boomers struggle to answer even simple questions about retirement. For instance, 60 percent of baby boomers think the average American needs less than $1 million in retirement when, in reality, experts say health care costs alone can[…]

Unlock growth opportunity through diversification

Help clients plan for performance by making full use of the indexed crediting strategies! Our natural impulse is to pick a winner. But diversifying — allocating to a variety of strategies — may be a sounder, straighter path to long-term performance. Why diversify? Unlock opportunities: Each strategy credits interest in a different way. Allocating money to[…]