SALES WEEK: Sales Tip – Client-Use SPL Case Studies

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Your weekly source for webinar information and registration, as well as effective sales ideas.

Sales Tip

Show your clients how WealthMax Bonus Life or WealthHorizon Life values compare to a CD or Fixed Annuity.

Case Study flyers show policy values at death and upon health issues – compared to alternative financial investments.

Case-Study Flyer – WealthMax Bonus Life – Age 65

Case-Study Flyer – WealthHorizon Life – Age 65

Single Premium Life Can Help Achieve Wealth-Transfer Goals!

• Provides a legacy for heirs upon death
• Offers death benefits for certain health events
• Is generally free of federal income taxation for heirs

WealthMax Bonus Life

5% Premium Bonus – No Vesting

Return of Premium Guarantee

MGA Commission: 8.0% ages 45-75, 7.5% ages 76-80. Trail Options!

WealthHorizon Life

Higher Rates for Greater Accumulation

Higher Face Amounts

MGA Commission: 9.0% ages 45-75, 8.5% ages 76-80. Trail Options!

UnderWRITE-NOW Processing – Point-of-Sale! 

Watch UnderWRITE-NOW Processing Video
 
Use E-Applications for Even FASTER Processing! 
Watch E-App Video

More Sales Tools

Both Products

Barclays Focus50 Index Flyer

S&P MARC 5% Excess Return Index Flyer

Client-Use Presentation

Resources

Underwriting Guidelines

Quick Selling Guide

WealthMax Bonus Life Face Amount Factors

WealthHorizon Life Face Amount Factors

The death benefit will be reduced by any outstanding loan balance at the time of death. The death benefit is also reduced by any payment of Accelerated Death Benefits or partial withdrawals. The policy must be in force at the time of death to pay a death benefit.

Policies may be issued as “Modified Endowment Contracts” (MEC) as defined by IRS section 7702A. Distributions including policy loans from a MEC may be treated as taxable income and subject to federal income tax penalty.

Accelerated Death Benefits may vary by state, refer to the Accelerated Death Benefit Rider Disclosure included with the Application for Rider provisions in your state. Accelerated Death Benefits may be payable in the event of either terminal illness or chronic illness, but not both. Accelerated Death Benefits may be income-tax free. Please consult your professional tax advisor for more information. 

If the policy is surrendered or lapses, it will not participate in any index returns for the index period in which the policy is surrendered or lapses.

This material is not intended to provide investment advice to you or to your specific situation. EquiTrust does not offer investment advice to any individual and this material should not be construed as investment advice. May not be available in all states. WealthMax Bonus Life Policy issued on Policy Form Series ICC19-ETL-IUL-2000(01-19) or ETL-IUL-2000(01-19), with riders ICC17-ETL-PBR(01-17), ICC19-ETL-MCSV(01-19), ICC17-ETL-FPW(01-17) and ICC11-ETL-ADBR(03-11). WealthHorizon Life Policy issued on Policy Form Series ICC19-ETL-IUL-2000(01-19) or ETL-IUL-2000(01-19), with riders ICC17-ETL-FPW(01-17) and ICC11-ETL-ADBR(03-11). Products underwritten and issued by EquiTrust Life Insurance Company, West Des Moines, Iowa. Products distributed by EquiTrust Insurance Marketing Services; in California doing business as EQT Insurance Marketing Services.