How a Blind Annuity Insurance Agent Tripled His Income in Just 90 DAys

Had a phone call from an agent who said that by following these five marketing strategies he went from being blind about marketing to tripling his annuity production.

Check it out...

1. He was blind to the fact that he needed a good quality mailing list to use when he mailed out a series of postcards he received from our marketing system. In fact by following our "3-Step Postcard System" and mailing a 1,000 to 1500 postcards every week his production increased.

In addition, he found by mailing the same prospects at least three times over a three month period his response increased.

2. He was blind to the marketing fact that he had a horrible phone approach and door approach that cost him sales. He took our advice and by using just three key words he was able to set two appointments for every six seniors called who had received his postcard, but never responded to his 800 number or website he placed on the postcard.

These three magic words I've tested for years and I could personally call in the morning just six seniors (preferably widows) and I would have two solid booked appointments for the afternoon.

3. In addition, he learned in my marketing system that he was blind to how to approach prospect at their door. I gave him a door approach that I used when I was full time in the field working that allowed me a 65% in the house ratio for the initial interview. He used this approach with the people who he mailed out the postcards, but never responded to his request for a free report, or a benefit kit.

4. And that's not all...he was blind to the fact how important it was to stay in touch with his current client base on a monthly basis. He uses both our Annuity Pro Lead Capture Web Page and monthly Client Newsletter to stay in touch with his clients.

5. And here's the kicker...he started using our referral technique that gave him an average of three referrals on every appointment.

You will slap your forehead when you learn this technique.

The above five steps allowed this agent to average three solid appointments per day and literally triple his annuity production.

You can read more success stories and also my story how I was a lead junkie and always had 50 new leads a week in my shoebox on my front seat.

Go forth and prosper,
Russ Jones
http://www.ultimateinsurancesystem.com
http://www.PmrSystem.com
http://www.89Million.com (new)

Why You Should Choose a Structured Settlement Annuity Payment

If you are the recipient of a structured settlement order, then you know that there are several options open for you when it comes to receiving compensation. One route that may be the best for you is to go with the structured settlement annuity payment. Here's a few reasons why this may be the most beneficial course of action for you.

First of all, if you are receiving money from a fixed annuity that is the result of some sort of legal action, be it a settlement arrived at by arbitration or litigation, the payments will be tax free in just about all instances. In effect, you will have a regular source of income that is all yours and does not have to be accounted for in your calculations of how much state and federal income tax you owe. This can greatly simplify doing your taxes for each calendar year.

Second, a structured settlement annuity payment provides you with a consistent and reliable source of income. No matter what other issues you may have in your life, you can depend on the payments to show up like clockwork. This can be a great situation for someone who has always wanted to try his or her hand at starting a business, but never could because of the need to provide income for the family. Having that regular payment coming in helps to insulate you from changes in the job market, and all sorts of unexpected situations.

The fact is that a structured settlement annuity payment is a cut and dried manner of receiving the money that is owed to you. You can depend on the money coming in at regular intervals until the settlement amount has been disbursed, so you can use it to support yourself while you build other sources of income or you can choose to invest it as you receive the payments. And through it all, the money is tax-free. For many people, this is the ideal situation.

Mayoor Patel is the writer for the website http://www.structured-settlements.wares-are.us/. Please visit for information on all things concerned with Structured Settlement Annuity

10 Important Insurance leads-Annuity leads Marketing Tips

Each of the following Ten Insurance leads-Annuity leads Marketing Tips is based on a highly effective - but often overlooked marketing tactic. How many are you using? How many have you overlooked?

Tip 1: Insulate yourself against the impact of change by increasing the number of Insurance products and services you offer ...and by using a variety of different marketing methods. For instance, you can use a postcard mailing to Senior Citizens from age 62 to 78 and income over $40,000. Every three weeks you would drip on them with another postcard. Also, you could do a quarterly newsletter. I like our "World Smallest Newsletter?" on a over sized postcard. Only a small portion of your total business will be affected if the sales of one product or marketing spoke on your marketing wheel declines or the response to one marketing method drops.

Tip 2: Insurance Clients are prospects too. Stay in contact with them. Find or develop other products or services you can offer them. It's easier to make a sale to a previous customer than to someone who never bought from you. Here's the ratio of marketing you should use. Front end marketing should be 25%. That's use postcards, letters, flyers and emotional type ads to generate business. You should be getting 25% of your business from "Critical Mass." That's by working your clients to offer more services and products to on annual review. Another 50% should come from using a systematic process of getting your clients to have their friends calling you. We go in depth on systems you can use to have a bundle of referrals.

Tip 3: Avoid making any claim that sounds exaggerated ...even if it is true. A bold claim creates doubt in your prospect's mind and jeopardizes the sale. Reduce any bold claims to a more believable level. Use third party articles to help make your claims hit home.

Tip 4: Express numerical claims as odd numbers with fractions or decimals. For example, "Our clients save 17.7 percent" sounds more believable than "Our clients save 20 percent" ...even if 20 percent is the accurate number.

Tip 5: Set up a Insurance leads-Annuity leads automatic mailing system that you can use weekly that will keep you in a steady flow of leads. We have developed a brand new "Ultimate Postcard System" that you can use that will do all your postcard mailings that will only take about 15 minutes a week. Thing of your business as a wagon wheel with spokes and the hub is the base. If you only have two spokes and one breaks your in trouble. However if you have at least 10 spokes and one breaks it won't be a problem. That's what you want your Insurance marketing business to have. You need to have systems in place for building referrals, current clients, center of influences, postcards, telemarketing, newspaper ads, etc. I highly recommend you start out 2005 with mailing out at least 1,000 postcards per week using our "3-Step Postcard Systems.?" www.ultimateinsurancesystem.com/specialreport.htm Tip 6: Develop a series of 4 or 5 different special Insurance leads-Annuity leads postcards. Use them one at a time on a quality lists. I also like to use income levels over $50,000. Our test show that 80% of these people have CD money. Continuously recycle through the same series of dripping of postcards. This enables you to keep using special postcards to generate sales without taking time to develop new ones.

Tip 7: If you're attracting many prospects who really don't have (or can't get) the money to buy your product or service ...you need to change your market. Target a market where prospects have an intense desire for the benefits produced by your product or service - AND the money to buy it.

Tip 8: Set yourself apart from competitors by offering an exclusive benefit your competitors cannot copy ...or one they're not willing to copy. One agent I know has positioned himself in the following way. He specialists in showing people how to have retirement money available from the 11 to the 20 year. People are out living their money.

Tip 9: Advertising Insurance leads-Annuity leads copy produces the biggest response when each reader can believe the message was written specifically for him or her. As you write any sales message, visualize you're writing to one person instead of to a large group of people. This will help you write in a less formal and more personal style. Personalize envelopes with head addressed and a real live stamp.

Tip 10: Most insurance sales are not made on the first contact. Develop a method to capture and save the names and contact information of prospects who don't buy from you. Follow up periodically. A little gentle coaching will eventually convert many of them into buyers. Develop a newsletter that you can send out on a monthly basis. It can only be a postcard or a 8.5" X 11" letter.

Each of these 10 Insurance leads-Annuity leads marketing tips implements a simple but highly effective marketing tactic. Take action now to apply those you overlooked. You'll be surprised by how much business it produces for you. Check out our "Lazy Agents Marketing System." I hope you enjoyed this article and you will apply some of the principals discussed. If you need marketing help just go to the following website Http://www.ultimateinsurancesystem.com/specialreport.com Yours for your success, Russ Jones Creator of the "3-Step Postcard System." www.Ultimateinsurancesystem.com

Creator of "The 3 Step Postcard System" Developer of "Annuity Pro Lead Capture Web Page System" http://www.pmrsystem.com

Ramp Up Annuity Sales Using Secret Tool

Lots of annuity sales with this Tool. Most of our competitors hammer us and our prospects about the surrender penalties in annuities.

7 years, 10 years, 17 years - YIKES!

I look at it differently. I love surrender penalties because they provide me with lots of future prospects and clients. How can that be?

It is the exclusion ratio. The exclusion ratio has made more annuity sales for me that anything I can ever think of. The exclusion ratio is a benefit we should all make certain our clients and prospects are aware of. Explain it this way:

If you convert accumulated funds in an annuity to an income stream you can access the exclusion ratio. The exclusion ratio is the percentage of income that is excluded from tax liability.

I like this example

? A $50,000 deposit has grown to a value of $100,000.

If the annuitant takes any funds from this account it is 100% taxable at ordinary income tax rates.

In our example let?s pretend that the annuitant selects a 10 year payout and we will round off the calculations for the sake of illustration.

? $100,000 will provide an annual payment of $10,000 for 10 years.
? $5,000 basis and not taxable, $5,000 interest and taxable.

The $5,000 basis is the exclusion ratio.

Because we have accessed the exclusion ratio we can ?spread out? the tax liability over the selected time period which in our example is 10 years. This means that only 50% of the income received is taxable. By spreading out the payment we have spread out the tax liability!

An annual payment of $10,000 will only have 50% tax liability. Mrs. Prospect, this allows you to completely manage your annual tax liability and to take advantage of the ?Exclusion Ratio.? How about selling the exclusion ratio to the client for the beneficiary?

Mrs. Prospect did you know that when your daughter receives these funds as your beneficiary she can also access the exclusion ratio??

Your beneficiary can accept the funds out over a fixed period of time and spread the tax liability over the payout period.

When a prospect asks me about surrender period I always say this:

?Mrs. Prospect, you cannot enjoy the benefits of this contract unless you allow the insurance company to hold your funds. There are many benefits you can enjoy with this product, have you ever heard of the exclusion ratio??

I use the power of the contract and the exclusion ratio to explain the need for surrender period. Easy to explain and makes for very happy clients. This is especially good when someone comes to me with an existing annuity. Often times they are not happy and did not understand the time period for the surrender penalties. I would say this..

?Mrs. Prospect, unfortunately your agent did not really understand your contract well enough. It is really not his fault; he probably did not have access to the training that I have had. Let me explain a terrific benefit of your contract, the exclusion ratio.?

Once I am able to explain this powerful benefit it is easy to sell another annuity to her. The benefits of the contact sell the annuity for me.

Bill Broich is a 30 year annuity salesman who helps agents increase their annuity sales. Visit his website to learn more. Annuity.com.

Best Fixed Annuity Coverage - How To Find It

To get the best fixed rate annuity coverage you definitely need to shop around to find a good deal. The easiest way to do this is to get on the Internet and start comparing insurance rates. There are hundreds of sites on the World Wide Web that specialize in offering charts and product sheets so that you can compare different offers side by side. These types of insurance comparison web sites that make it quick and easy for anyone to compare different offers and interest rates, even if you have never taken out insurance or a pension before.

The reason that most people end up paying too much for their fixed annuity plans is that they don't bother to shop around for the best annuity coverage. It is such a tedious job that sometimes they just take the first deal that they run across.

This is just not the way to go about shopping for the best fixed annuity coverage. You should at least go to the same type of time and trouble that you would to shop around to find the best credit cars, mortgage or car insurance. You should also do this in a short amount of time as it is inevitable that the insurance company will eventually ask for your social insurance number. This of course is used to check your credit rating, which can also have an impact on the rate of interest that you are offered.

Another thing to look at, besides price is just exactly what the plan actually covers. Just because it is cheap does not mean it is the best fixed annuity coverage for you. Finding the ideal plan can mean taking many other things into consideration besides price including fees, the price of withdrawal penalties and the structure of the plan. Most of this information can be found in the fine print of your agreement with the company, which of course you should ask to see and read thoroughly before signing on the dotted line.

Tiffany Walker has finally revealed her annuity secrets online. Read the latest by clicking here: Best fixed annuity coverage.

Sell Annuity Settlement

A structured settlement is a monetary grant that is often the result of a successful lawsuit. Often the lawsuit is in reference to an injury case, which results in an insurance agreement. This payment is financially planned to guard the settlement sum and to offer the beneficiary with safe returns. Often the receiver is incapable of work, restricted in work capacity or has endured loss in earnings due to work absence as a result of injury. The structured settlement, also known as an annuity settlement, offers the receiver a long-term, steady and tax-free income.

An annuity settlement or a structured settlement uses annuities as a mode of compensation. However they have a basic difference. A regular annuity is a result of an investment or retirement option, whereas a settlement is a result of an injury or insurance settlement.

To ensure an annuity settlement payment remains tax-free and protected for its tenure, a beneficiary cannot ask for payment augmentation or payment advances. At times this is a predicament incase the receiver needs quick cash or a large sum of money. In such scenarios one may search for an annuity buyer.

Through an annuity buyer, one can sell settlement payments for money. The process allows a person to get the cash that is needed at a time, while the buyer takes over ones annuities and collects the payments as prearranged.

If one has an annuity settlement, it is beneficial as it provides a continuing and steady income in case of accident related disability. Nevertheless, need for money may arise at any time. Hence, in situations like this it is advisable to sell annuity settlement at a bargained price to be able to use the money to its full potential.

Sell Annuity provides detailed information on Sell Annuity, Sell Annuity Payment, Sell Annuity Settlement, Sell Health Annuity and more. Sell Annuity is affiliated with Annuity Leads.

The Other Problem with the Equity Indexed Annuity

Okay, so here is the other problem with the index annuity. Many agents try to sell it as the 'answer to all problems.' The fact of the matter is, it is not that at all. An indexed annuity is designed to have the potential to capture a little more upside than a traditional fixed annuity can.

Again, many agents claim it is a way to beat the markets...they will severely underperform in a good bull market. Furthermore, they are not designed to capture all the upside. They are designed to give a lower floor and a higher ceiling than traditional fixed annuities. They are by no means a stock market alternative.

So the bottom line is that the equity indexed annuity can be something desinged particularly to fit in someone's portfolio. It has advantages that other annuities cannot offer. It gives the protection of a fixed annuity. And it gives a little more upside than traditional safety vehicles.

All in all, it can be a good thing but it depends on an investor's situation. For someone looking for all the upside and who doesn't care about taking risk and losing money, the index annuity is far from the right choice. For someone who has a small risk tolerance but cares to have a little more upside potential, it can be a good choice.

The most important thing is to understand, any investment is part of a bigger equation. That is the bottom line. And furthermore, research is key. It is important to know what you are getting into. The further side of the spectrum is agents saying that EIA's are a scam. Those guys just don't understand how the EIA works.

Ignorance is Not Bliss.Tony Bahu is a licensed annuity agent who has helped many men and women own the annuity that is right for them and their family.