Love the OLD in Golden

Love the OLD in GOLDen by planning for it today. Americans are living longer – and retirement incomes need to do the same. Assuming there is a need for death benefit, a solution that provides protection, often during the income earning years, can also do so much more. Beyond providing a valuable death benefit, Indexed Universal Life insurance has the potential to accumulate cash value that can’t lose money due to market losses.^¹

The 55 and older segment of the market is either close to retirement or already retired. They are calculating what their retirement income will be or perhaps feeling the impact of pressures of the market and looking for some safe alternatives.

Places to find prospects²:

• 55+ communities sponsoring educational workshops.
• Client reviews
• Client appreciation events.
• Defined Contribution plans with In-Service Distributions.
• Private medical practices – many private physicians are selling their practices to hospitals and staying on as consultants/employees of the hospital through the transfer. This offers opportunities from the sale proceeds of the practice and then again when the physician officially retires.
• Employers (government) with Defined Benefit Pension Plans – pension maximization.
• Already retired and looking to increase income potential safely and securely.
• Retirees getting IRMAA letters.

1. Indexed life insurance policies do not directly participate in any stock or equity investments.
2. Prospect must have a need for life insurance.