DHK pointed out some that are still in captive situations until this day.But they were captive back when the captive sales force did 90% of all new business and brokerage was nothing.
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DHK pointed out some that are still in captive situations until this day.But they were captive back when the captive sales force did 90% of all new business and brokerage was nothing.
DHK pointed out some that are still in captive situations until this day.
How do I email Baggins415. I am interested in this and I live in California.Thank you for this post! I am a newbie trying to figure out what company is a good company to learn with. I have been contacted by Aflac but am looking into NYL.
How do you suggest learning the 403b market starting out?
I have lots to say on the subject. But it's fairly complicated compared to other markets and would be impossible to lay out here. All I can say is that it's well worth the time invested though if you really apply yourself.
I train agents on this in California - maybe someday in other states. Drop me a line/email if you'd like to get on my emailing list.
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Good question,
If you know what you are doing and careful about presenting, permanent life insurance, EIUL, UL, makes an incredible alternative to a 403b annuity - or mutual fund for that matter.
Also,
Assuming your client will also have a pension there's a great life insurance need for protecting the pension for a spouse. Because in California for example....when the pensioner dies- the pensions dies with them. This can be 6 or 7,000 per month.
It's true there are beneficiary option within pension plans...but these are EXTREMELY expensive (at least in CA).
Check your own state for these figures.
I have software that calculates the beneficiary costs of pension succession - when a client sees this the perm life insurance becomes a complete NO BRAINER.
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I'm so sorry I haven't won your approval. I'm going to spend the rest of the day crying.
Thanks, a lot!
How do I email Baggins415. I am interested in this and I live in California.
Jack
I'm pretty sure Baggins failed out pretty quickly after he arrived here back in 2011. If you read through all the old posts here on the forum you will see case after case of these guys.
You could try to send him an email through his forum name to see if he's still alive at all.