News Article Expert Annuity Lead Program

Are you an annuity agent looking for a surefire lead program? Try writing news articles for your local newspaper. Neighborhood newspapers gladly print compelling copy of interest to readers. You also position yourself as the expert in your field and, being perceived as the expert, your sale is practically in the bag even before you meet your prospect.

Successful annuity agents are those who position themselves as the "expert" in their field. An expert is held in higher regard than a salesperson. An expert substitutes the sales presentation for a polished dialog of probing, educated questions that expose symptoms of financial disorder. After proper diagnosis, an expert does not attempt a close. An expert simply prescribes a cure, finishes up the paperwork and moves on to the next patient or client, the unspoken question being, "Do you want to stay sick or do you want to get well?"

Experts are experts because their reputation precedes them. It's all in the setup. There is no reality, only perception. If the prospect first hears about you by reading your newspaper article, you are already the expert. People want to be clients of experts for many reasons, including bragging rights. Sales transactions are pretty much understood even before appointments are set. Your starting point in the sales process is leaps and bounds ahead of the competition. Your annuity lead program is uniquely personal. And one of the most powerful ways of becoming the expert while generating referral-quality leads is through systematically submitting topical, high-content news articles for publication in hometown Senior newspapers.

Newspapers hunger for news and will gladly print informative content, especially from a local expert whose specialty is of interest to their readers. Articles of 400 and 600 words in length should be submitted periodically, should be informational (not a sales pitch) and filled with take-home value. The author's name, photo and contact information is included in case readers wish to pursue additional information or contact the expert about specific concerns. There is no cleaner annuity lead program, no higher quality lead than a news article inquiry.

Unfortunately, most successful annuity advisors don't have the time to write compelling news copy. I've known successful agents barely capable of constructing one-word sentences. But now, a limited number of agents have the opportunity to participate in our News Article Expert Annuity Lead Program.

In the time-honored tradition of ghostwriting, I provide qualifying agents with a new article each month, packed with vital information on Senior financial issues. Territories are exclusive to avoid overlapping geography, and I include my author's release of copyright allowing you to list your name as author, your photo and contact information.

If you are a licensed life insurance agent not currently contracted through Life Sales and wish to begin or advance your career selling fixed annuities, our News Article Expert Annuity Lead Program is for you. Come onboard with two or more of our carriers - Allianz, ING, Sun Life Financial, or American Equity - and receive 200 leads as a signing bonus. Then with your first 2000 QPCs (roughly $40,000 in paid business depending on carrier and product) in any one month, within two months of coming onboard, you'll receive your free six-month subscription to our News Article Expert Annuity Lead Program. Remember, territories are exclusive and you will receive my ghostwriter release of copyright.

http://www.Free-Insurance-Leads.com Gary Le Mon is a wholesale distributor of fixed indexed annuities for Allianz, American Equity, Sun Life Financial, and ING. Author and developer of the Safe Money Seminar, a financial planning seminar for Seniors, Gary serves as guest speaker on behalf of agents and agencies nationwide

3 Reasons To Sell Your Annuity Now

Selling an annuity can be a difficult decision for some people. If that?s you then I want to let you know up front that selling your annuity is only something you can determine whether or not the time is right for you.

If you are thinking about selling your annuity then I want to give you 3 reasons why you might consider doing so now.

Sell Annuity Reason #1 ? More Flexibility

While having some scheduled payments can be great, some annuities do not offer the flexibility one might need. With structured settlements and payments, this can work great for some and be a terrible situation for others.

You?ll need to decide if your current situation calls for more control over your income. If so then you might want to consider selling your annuity now.

Sell Annuity Reason #2 ? Better Investment Vehicle This reason is one of my favorites. The annuity might pay a nice amount over a certain time period, but you might have been presented with a better opportunity to leverage your funds.

Only you and your advisor can determine that, but if you have a better situation in hand that will allow you to increase your investment at a much quicker time rate then you should definitely consider selling your annuity now to cash in on the opportunity.

Sell Annuity Reason #3 ? Liquidity

Okay, this is a no-brainer. You may want access to your funds, well?just because.

There?s no rhyme or reason, you just want to have more control over your money and faster access to it. If that?s the case then don?t feel bad. Having the money available to do whatever you wish with it can be a little bit more comforting than knowing you have to wait for it.

In closing I would recommend that you talk with an advisor to find out the best situation for you and which company you should go with to sell your annuity for one lump sum.

There are some companies that deal specifically with structured settlement companies who can give you great service and make the process easy as pie.

You?ll definitely want to go with a company like the one I mentioned above.

James Carter writes helpful information on how to Sell Your Annuity Now! To get more FREE information go to: http://www.my-search-help.com/Settlement/index2.htm

What Is A Split Annuity?

The Split Annuity is a combination of an immediate annuity and a deferred annuity, structured to provide immediate income, much of which is after tax dollars (return of premium), while returning the original premium (before taxes).

The income is guaranteed for the length of the contract, while the deferred dollars grow at current, tax-deferred interest rates.

A single premium is used to fund the Split Annuity. Annuity Companies issue two contracts, one for the guaranteed income and one for tax deferred growth.

The Split Annuity offers a guaranteed monthly income.

The Split Annuity features competitive interest rates, tax-deferred growth and partial withdrawal options.

The Split Annuity is flexible. A new income stream may be developed from the deferred annuity proceeds at a later date. The deferred annuity also allows for additional partial withdrawals, plus the continued tax-deferred growth eventually ?replaces? the immediate annuity premium.

What is 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. There are no upfront sales charges or administrative fees during the life of your contract.

Advantages of Tax-Deferred Annuities include tax deferral, stability, may avoid probate, liquidity features, and guaranteed income.

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 taxable investments, you pay no taxes on your annuity interest until you begin to take withdrawals or receive income. This allows your money to grow faster than in a taxable account, because you earn interest on the money that would have otherwise been paid in taxes.

http://HappyRetiree.com/

You can freely reprint this article as long as the author, bio, and live links are left intact.

Jeff McLeod is a fixed index-linked retirement income annuity specialist. To get a copy of the Buyer?s Guide visit http://happyretiree.com/

An annuity Based Pension might just be the answer.

Of all types of income generating investments, annuities are some of the most controversial. There is a body of opinion that says they are a complete waste of time and you would do much better if you were to place the capital sum on the stockmarket or invest in property. But then again the stock market has been known to crash and property has frequently been known to decrease in real value, so if security is high on your list of priorities maybe annuities are worth a thought after all.

Annuities are popular as vehicles for pensions, perhaps mainly because they can be very tax efficient. If money is wrapped up in this investment it takes a tax holiday until such time as the premiums become due and payments are made. As this is likely to happen after retirement the tax liability falls dramatically.

There are two types of annuity. The former is deferred, which means payments are made, usually on a monthly basis for a number of years. This is a good way for the younger person to acquire an income later in life. The other variety is the fixed version. In this package, the purchaser pays a large capital sum usually to an insurance company and payments begin soon afterwards.

The big enemy of annuities is inflation. At the outset the agreed sum to be paid out might seem generous, but inflation can erode the value of the venture in a very alarming fashion.

On the other hand a fixed payment annuity based pension provides an excellent budgeting tool. You will know each month how much money you will receive and thus in much the same way as a salary, be able to cut your cloth accordingly. This allows for more efficient financial planning.

When it come to tax, there can be penalties if the annuity is cashed in before the "owner" reaches sixty years of age and this could be a disincentive for those folks who plan early retirement or find themselves made redundant before reaching the official age of retirement. However, as I said before there are some distinct tax advantages, particularly for those individuals in the higher tax brackets. Deferred Annuities are in effect a compulsory savings plan. In those years of high tax liability it would make a lot of sense to save as much as possible because these savings are then tax exempt. Tax is only due when income is received from the plan. That means you start drawing your annuity after you have stopped earning a high salary. It's very neat because as you have decreased earning your tax liability will drop to a lower level than previously. This all means you have allowed the IRS to partly finance those golden days of retirement. Now that begins to appeal does it not?

Interested in this subject? Try this link for more of the same

www.annuitiesforlife.com