The ONE Meeting

Did you know that 42% of beneficiaries leave their parent’s advisor after inheriting assets?^*

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September is life insurance awareness month and while it is important to understand the needs of your current clients in terms of their life insurance planning, it is also very important to be aware of the needs of their children and the potential opportunities that are present within your own book of business to grow your practice. Statistically over 50% of advisors clients are over the age of 60, with around 8% of clients being under the age of 40**. In order to really grow your business, there is a need in the marketplace to understand the multi-generational opportunities that are available. However, it is also important understand how to approach the various generations and speak in a way that that makes sense to them and matches their current and future needs.

During this month’s ONE meeting we will discuss some recent research conducted at Lincoln regarding multigenerational planning and how it can be a catalyst for growth in your practice. In addition to this research, we will cover:

• Conversation starters for various sales concepts while taking into account the different generations of clients you may have, or want to have
• Client profiles and how to engage different generations based on their needs and wants
• Sales Ideas that can be used across generations
• Other important aspects of the multigenerational planning landscape

We all want to grow our business, and the only way to grow is to adapt to the changing landscape and learn how to interact with new kinds of customers. While the solutions in the marketplace may be the same or similar moving forward, how we discuss those opportunities and explain the benefits could be very different. Be aware of the changing dynamics, be prepared to take advantage of the opportunities, and you can solidify the potential future growth of your business.

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Date: Tuesday, September 6th

Time: 10:00 AM Pacific

Follow this Link to Join the Meeting

AG49 – Top 5 Things You Need to Know

Actuarial Guideline 49 was put into place to create a framework for how to properly illustrate and market Indexed Universal Life.  The first round of changes came on September 1st, 2015 and they included some updates to the illustration output, but the biggest change was the introduction of a uniform historical look-back rate.  The second round of changes on March 1st, 2016 had some updates to the illustration as well, but the biggest change was the introduction of a new guideline limiting the amount of loan arbitrage for participating loans in the illustration at 1%, or 100 bps.  All of these changes in this bifurcated approach were intended to bring all companies into alignment and to eradicate poor illustration practices in the marketplace.  The end result being a more clear and conservative illustration for the consumer that allows a better chance of under promising and over delivery on expectations.

The questions is…did this really happen?

Join me on Tuesday May 3rd at 1PM EST as I discuss the Top 5 things you need to know about AG49.  We will cover how various carriers are reacting to the changes from AG49 and what opportunities or challenges may be on the horizon.  In addition, I will introduce some new sales ideas that have arisen out of the new AG49 guidelines as well as some best practices that will help you with your conversations with your clients.  This is going to be the ONE meeting you do not want to miss if you currently sell IUL or are thinking of selling IUL in the Post AG49 world.

Date: May 3, 2016

Time: 10:00 Pacific

Dial In: 844-402-9941

Conference Code: 95645426

Click here to join the meeting on May 3rd

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Presenter:

James Christie, AVP
Head of the Competitive Services Group

Lincoln knows life. Rely on us for solutions to help your clients protect and build wealth. For more information, contact:

Lincoln Competitive Services Group at 866-888-9822, Competition@LFG.com, or your sales representative at 877-533-0114.