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ALLIANZ Allianz 222 with PIV RIder
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TRAINING AGENDA… Allianz 222 with PIV Rider Benefits Prospecting
How to Present
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2 ways to get an income increase: 2 ways to get a death benefit:
Benefits… 2 ways to get a bonus: 2 ways to get an income increase: 2 ways to get a death benefit: Allianz 222 credits the Protected Income Value with a 20% premium bonus on all premiums received in the first year. The Protected Income Value also receives an interest bonus equal to 50% of the interest credited from the chosen allocations. Clients can get annual lifetime withdrawal increases, based on earned interest and an interest bonus equal to 50% of the interest rate from their chosen allocation. Plus, they can double their withdrawal income if confined to an eligible hospital, nursing facility, or assisted living facility**. The client's beneficiaries can receive the full accumulation value in a lump sum, or they can receive the full Protected Income Value as annuity payments over five years or more.
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Prospecting… Gtd., Increasing Income Year 11+ Ages 45-60
MUST HAVE THE ABILITY TO WAIT 10 YEARS (If clients cannot wait 10 years the 222 can still be a fit if other assets exist to bridge the gap) Looking to supplement pension, SS income with additional guarantees Value downside protection but like upside potential through 50% interest bonuses Increasing income to offset inflation valued IT DOESN’T PAY TO WAIT!
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Prospecting… Spousal Survival Benefit Ages 55-65
MUST HAVE THE ABILITY TO WAIT 10 YEARS FOR INCOME (PIV DB available) (If clients cannot wait 10 years the 222 can still be a fit if other assets exist to bridge the gap) Looking to provide spouse with either a guaranteed income stream upon passing early or PIV DB paid out over 5+ years if passing away later Confinement Doubler also provides surviving spouse with a form of LTC protection when more likely to be confined If not needed then PIV DB can be passed to next generation over 5+ years
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Prospecting… Leveraged Fixed Asset Class Ages 55-65
Looking for principal protection but Need or want better growth than currently available through traditional fixed assets (i.e. G-Fund with TSP,CDs, Bonds, etc.) 222 offers downside protection with some equity upside to offset inflation Can be used for gtd. income, a long term care event or as a leveraged death benefit
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How to Sell it… Begin with Benefits:
No cost No downside risk on Accumulation Value due to market returns but some market upside based on market index (indices) chosen 20% PIV Premium Bonus PIV grows by credited return on AV plus 50% Interest Bonus Guaranteed Income for life (lives) that you cannot outlive Income can increase overtime to offset inflation Doubler if needed for confinement Show them illustration to reiterate benefits
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20% Bonus
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50% Interest Bonus 20% Bonus Can Double for Confinement
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Paid over 5+ Years
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Athene Ascent Pro 10 Bonus Select & Bonus 2.0 with Ascent Income Rider
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TRAINING AGENDA… Athene Ascent Pro 10 Bonus Select & 2.0 with Ascent Income Rider Benefits Prospecting How to Present
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Benefits… A BONUS - 10% Income Base Bonus
GTD. GROWTH -10% Simple Interest for first 10 years 5% Simple Interest for 2nd 10 years GTD. INCOME FOR LIFE - Level or Increasing Increasing Income has a 0.65% lower starting withdrawal % but income can increase each year by credited return LTC SUPPLEMENT - Confinement Doubler Available after Year 1 Doubles gtd. Income if confined to Nursing Home, Hospital or Hospice Facility 5 Years or until Accumulated Value hits $0, whichever comes first
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Prospecting… Guaranteed Income Year 11+ Ages 50-65
Looking to supplement pension, SS income with additional guarantees Income available Year 1 if needed Value guaranteed growth for income purposes Like the ability to delay choosing level or increasing income and single or joint income
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How to Sell it… Begin with Benefits:
Low cost No downside risk on Accumulation Value due to market returns but some market upside based on market index (indices) chosen 10% Income Base Premium Bonus Income Base gets guaranteed growth of 10% Simple Interest for up to 10 years of deferrals Guaranteed Income for life (lives) that you cannot outlive Income can be level or increasing; joint or single and both can be chosen at the time of income Doubler if needed for confinement after Year 1 Show them illustration to reiterate benefits
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American National Signature GUL
ANICO American National Signature GUL
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TRAINING VIDEO AGENDA…
ANICO Signature GUL Benefits Prospecting How to Present
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Benefits… LOW PREMIUMS - Lowest among GUL offerings providing best Death Benefit Bang for the Buck POTENTIAL TO GET MONEY BACK - Built-in Cash-Out Rider creates some Control for the client LTC SUPPLEMENT – Built-in ABRs for Chronic, Critical & Terminal Illnesses provide protection against one of life’s biggest “what-ifs” AVAILABILITY – Available for NY Clients and ABRs available in CA & to an extent in NY
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Prospecting… Inexpensive Survivor Protection with some Control
Ages 45-60 Looking to keep costs down Want control for life’s “what-ifs” Spouse you are protecting predeceases you (think supplement to SBP) An unexpected illness
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How to Sell it… Begin with Benefits:
Low Premiums vs alternatives Control due to Cash-Out Rider & ABR Rider Show them illustration to reiterate benefits
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Year 1565% ROP Year 20100% ROP Year 25100% ROP
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Projected ABR Benefits Report Based on Age of Acceleration,
Severity & Projected Discount Rate
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THANKS Phone:
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