Just The Facts - 2nd Quarter 2014 by GPALM

2ND QUARTER 2014

Fast Relief for Income Rider Comparison Research (Page 8)

Inside:

• NSSA Class Scheduled for May 5th (page 6) • Product Choices for Chronic Care/LTC Benefits (page 14)

800.710.1115

Rates available 24/7 at www.greatplainsannuity.com ADR-1445

01.indd 1

100% Independently Owned!

3/12/2014 12:10:47 PM

MarketTwelve Bonus IndexTM Annuity

from EquiTrust Life Insurance Company® • Full Account Value at Death – No Annuitization Required

Bonus Paid Over 3 Years

• 10% Withdrawal Available after Year 1

Income For Life 0ptional Rider • 6.5% Income Rider Rollup Rate • Rollup for 15 Years

MGA COMMISSION

• Annual Rider Fee is Only 0.50%

800.710.1115

www.greatplainsannuity.com Withdrawals before age 59 1/2 may result in a 10% IRS penalty tax. Withdrawals do not participate in index growth. Surrender of the contract may be subject to surrender charge and market value adjustment. Product and rider not available in all states. Contract may vary by state. MarketTwelve Bonus Index fixed indexed annuity is issued on contract form series ET-MPP-2000(02-05) with Rider ET-AVBR(06-09). Group Certificates issued on Form Series ET-MPP-2000C(01-07) and ET-AVBRC(06-09). Income Rider provisions and availability may vary by state. Rider issued on Form Series ET-IBR(06-08). Contract issued by EquiTrust Life Insurance Company, West Des Moines, IA. For Producer Use Only. AC14-M12-1054

02.indd 1

3/12/2014 12:25:19 PM

PRINCIPALS • Rich Hellerich • Robb Edwards

ANNUITY MARKETING

2ND QUARTER 2014

NATIONAL SOCIAL SECURITY ADVISOR CERTIFICATION CLASS MAY 5TH

What impact will Social Security benefits have on your clients’ retirement income and financial future? If you are interested in educating yourself on the topic of Social Security Benefits to better inform prospects and the importance of considering the various claiming strategies that fit their individual needs, join us in Kansas City on May 5th. Earn eight hours of Continuing Education credit and learn how to better serve your clients regarding this import ant topic.

• Brad Allen • Scott Andrew • Kara Jones • Mike Lair • Cindy Nelson • Chad Palmquist • Jane Plumberg • Carlos Rojas

LIFE MARKETING • Dick Reynolds, CLU

ADMINISTRATION • Cris Larson • Naomi Mayekawa • Mackenzie Oakley • Kathy Putnam

FAST RELIEF FOR INCOME RIDER COMPARISON RESEARCH

Are you still spending hours trying to compare the many GMIB riders available in the marketplace? Are you simply offering one solution for your clients and hoping for the best? Your Great Plains Annuity Marketing Specialist can spare you the frustration save you time and help you survey many of the available income riders in a matter of minutes.

10901 W 84th Terrace., Ste. 125 Lenexa, KS 66214 Toll Free: 800-710-1115 Local: 913-492-9994 • Fax: 913-492-9998 www.greatplainsannuity.com For financial professional use only. Not for use with the general public.

WHAT’S HAPPENING AT GREAT PLAINS?

Here’s a quick review of some of industry news plus programs, resources and opportunities available to Great Plains Annuity & Life Marketing producers. Contact your Great Plains Marketing Specialist for to help to increase your sales success in 2014.

MANY PRODUCT CHOICES FOR CHRONIC CARE/LTC BENEFITS

With the demographic “explosion” of prospects that should be concerned about Chronic Care/LTC insurance protection, the industry has responded with more potential product solutions than ever before. Dick Reynolds, CLU looks at ways life insurance can address or assist these client concerns. ADR-1445

03.indd 1

This publication is designed to provide general information on the subjects covered. Pursuant to IRS Circular 230, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Great Plains Annuity & Life Marketing, its affiliated companies, and their representatives and employees do not give legal or tax advice. Encourage your clients to consult their tax advisor or attorney. Great Plains Annuity & Life Marketing is not affiliated with third party vendors mentioned in this magazine nor do we guaranty the accuracy or quality of their services. Although we may promote and/or recommend the services offered by these companies, financial professionals are ultimately responsible for the use of any materials or services and agree to comply with the compliance requirements of their broker/dealer and registered investment advisor, if applicable, and the insurance carriers they represent. The third party links, information, and opinions included in this magazine are provided as a service to you. They have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Great Plains Annuity & Life Marketing. The material is being provided for information purposes only and is not a solicitation for the purchase of any product. The information is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the particular needs of clients. Financial Professionals should ensure they continue to follow the current policies on the use of any advertising, third-party materials and/or social media as required by their broker/ dealer and registered investment advisor, if applicable, and the insurance carriers they represent.

3/12/2014 12:24:52 PM

How can Great Plains Help You? I hope your New Year is off to a solid start. Business and activity has been moving so fast this year at Great Plains, I appreciate the chance to take a moment and announce some exciting news and just a few items you should find of interest and beneficial to your business. New Carriers and Products to check out... At press time we were completing arrangements and contracting for two new annuity product opportunities at Great Plains. I can tell you that you will definitely want to visit with your Great Plains Annuity Marketing Specialist to discuss these opportunities and where these products could benefit your clients and yourself! Do you need E&O Insurance? We are excited to announce we have made special arrangements through MGA Insurance Services to offer contracted Great Plains annuity and life agents the opportunity to apply for E&O Insurance underwritten by CAN Insurance Company. Contact your Great Plains Marketing Specialist for policy details and information on how you can take advantage of this program by calling 800-710-1115. Webinar Wednesdays... Based on the interest, attendance and success of our limited 2013 webinar offerings, we have committed to a much more robust webinar schedule for 2014. Please watch for notices of upcoming webinars in our weekly email and we will have a â&#x20AC;&#x153;Webinar Wednesdaysâ&#x20AC;? icon and

information link soon on our website where you can review upcoming webinar topics and offers, register for pending presentations and find links to recorded and archived presentations. Interested in NSSA Certification? Great Plains is sponsoring our second National Social Security Advisors (NSSA) Certification class (see page 6) to be held on May 5th here in Kansas City. The class will be presented by Premier Social Security Consulting and taught by Jim Blair, a 35-year veteran of the Social Security Administration and Marc Kiner, a 30-year CPA. This course will help you better answer client questions regarding Social Security and help them navigate the Social Security maze. This one-day course qualifies for eight hours of insurance C.E. credits (not available in AR, FL or SC) as well as CFP and CPA C.E. credits. Your Marketing Specialist can also share details regarding our tuition and travel assistance program available for those that attend this certification class*. We hope to see you here in Kansas City in May! As always, we thank you for your business and appreciate the opportunity to serve you and your clients.

Rich Hellerich *Certain carrier and product restrictions apply. Contact Great Plains for details. Production for Allianz Life Insurance Company of North America does not qualify for this program.

ADR-1445

04.indd 3

3/12/2014 12:24:02 PM

Looking for the right ONE? Ultimate One Index Series The one product that may change the way you look at annuities. No complicated formulas.

Only one moving part: Participation Rate or Cap • Monthly Averaging with Participation Rate • Monthly Averaging with Cap • Point-to-Point with Participation Rate • Point-to-Point with Cap

Three products to fit different needs. • Ultimate One Index 7 • Ultimate One Index 9

LONDON

2015 AMERICO SUMMIT Call Great Plains today and learn how your production can take you to London!

• Ultimate One Index 9 Bonus Surrender charges, rates, and commissions vary by product.

Call today for more information!

800.710.1115

www.greatplainsannuity.com Ultimate One Index Series (Policy Series 264/265/266) is a series of flexible premium deferred indexed annuities underwritten by Americo Financial Life and Annuity Insurance Company (Americo), Kansas City, MO, and may vary in accordance with state laws. Some products and benefits may not be available in all states. Certain restrictions and limitations apply. Consult policy for all limitations and exclusions. For exact terms and conditions, please refer to the contract. This annuity is intended to be a long-term retirement instrument. If your client keeps this annuity only a few years, contract values may be less than the total contributions due to surrender charges, income tax and IRS penalties. This policy does not directly participate in any stock or equity investments. Refer to the Benefits Summary & Disclosure Statement, as well as the policy, for the governing contractual provisions. Great Plains Annuity & Life Marketing is an independent, authorized agent of Americo. For agent use only. Not for public use. 14-039-1-AGT (02/14)

05.indd 1

3/12/2014 12:22:45 PM

Kansas City,

Kansas City Here We Come... National Social Security Advisor Certification Class hosted by Great Plains scheduled for May 5th If you work in the retiree market and assist clients with their retirement income needs, how do you address their questions regarding Social Security? According to the Social Security Administration website1, Social Security is the major source of income for most of the elderly: • Nine out of ten individuals age 65 and older receive Social Security benefits. • Social Security benefits represent about 39% of the income of the elderly. • Among elderly Social Security beneficiaries, 53% of married couples and 74% of unmarried persons receive 50% or more of their income from Social Security. We are excited that the associates of Great Plains Annuity & Life Marketing have invited us back to Kansas City on May 5th of this year to present the National Social Security Advisor Certification class. Our educational seminars and ongoing support help Insurance Agents, Financial Advisors, CPAs, Attorneys and other professional advisors understand the Social Security program to help clients navigate the Social Security maze and better answer their questions and concerns. My partner, Jim Blair, has over 35 years’ direct experience with the Social Security Administration assisting applicants with their benefits, and I have been a CPA for 34 years fielding various Social Security questions from clients.

Based on the tremendous growth our firm has enjoyed during 2013, we know many financial professionals are eager to expand their knowledge of this topic. Our program qualifies for eight hours of state insurance continuing education in all states except AR, FL and SC, as well as CFP and CPA education credits, and testing is administered by The National Underwriter Company. I encourage you to visit their website: www.nationalsocialsecurityassociation.com for more information regarding the certification course and benefits of NSSA certification. Here are a few testimonials regarding the NSSA Class:

“...I learned a ton of new information today and feel much more confident in the ...conversations I will have with my clients going forward...” — Jesse T. “My clients were very appreciative to have you speak with them... I also like the fact you have ongoing webinars and “in-person” training...” — Christopher M. I know Great Plains has additional information for you to consider this Social Security C.E. opportunity and your GPALM Annuity Specialists can help you if you’d like to register. I hope to meet you at the Doubletree Hotel in Kansas City on May 5th!

Marc Kiner, CPA Premier Social Security Consulting

http//www.ssa.gov/pressoffice/basicfact.htm The testimonial statements provided are from participants not affiliated with Premier Social Security Consulting, LLC or the National Social Security Association, LLC. The testimonials may not be representative of the experience of other financial professionals and are no guarantee of future success. The testimonials were not paid for. 1

ADR-1449

06.indd 3

Editor’s Note: See next page for more information and call 800.710.1115 your Great Plains Annuity Specialist for details... only 37 seats remain for the May 5th NSSA Certification Class!

3/12/2014 12:22:21 PM

The only Social Security Certification Program for agents in the country!

NATIONAL SOCIAL SECURITY ADVISOR COURSE

Baby Boomer prospects and clients need guidance in coordinating Social Security benefits with their retirement income strategy!

The One-Day Event that could dramatically change your business plan for 2014!

Monday, May 5, 2014 8:00 AM - 4:30 PM

Doubletree Hotel • Overland Park, Kansas

Join us Monday, May 5th to EARN 8 HOURS of C.E. Credit while you learn how to inform your clients regarding their Social Security benefits and claiming strategies to consider! This class was developed by a 35-year veteran of the Social Security Administration and your training includes: • How benefits are calculated • Social Security Options for Single, Married, Divorced and Widowed Clients • Deciding when to begin benefits (before, at or after Full Retirement age?) • How benefits are impacted by earnings and taxes • The appeals process • Support from PSSC after certification including monthly webinars and answering your questions Better serve your clients with this valuable Social Security knowledge!

Call 800.710.1115 today! Class size is limited to first 50 registrants! Your Instructors: Jim Blair

Marc Kiner, CPA

Premier Social Security Consulting With 35 years’ experience, Jim is a former Administrator, Operations Supervisor and District Manager with the Social Security Administration.

With over 30 years public accounting experience, Marc’s practice is focused on privately-held businesses and individuals.

Premier Social Security Consulting

Course provider: C. E. administered by The National Underwriter Company, Cincinnati, OH.

Monday, May 5, 2014 | Doubletree Hotel • Overland Park, Kansas Call 800-710-1115 or visit www.greatplainsannuity.com/NSSA for complete details and a special offer to complete NSSA Certification for $495, a $300 savings, and State Insurance*, CFP and CPA C.E. Credits! Approved for 8 hours of state insurance C.E. in all states except AR, FL and SC.

nssa c.e & certification class

Sponsored by:

For financial professional use only. Not for use with the general public. Great Plains Annuity & Life Marketing is not affiliated with the NSSA or Premier Social Security Consulting nor do we guarantee the accuracy or quality of their services. Although we may promote and/or recommend the services offered by these companies, financial professionals are ultimately responsible for the use of any materials or services and agree to comply with the compliance requirements of their broker/dealer and registered investment advisor, if applicable, and the insurance carriers they represent. ADR-1433

07.indd 1

3/12/2014 12:21:48 PM

The New Athene:

One Powerful Resource

Reach out to your next generation of clients

ATHENE Benefit 10

with Enhanced Benefit Rider*

FIND OUT MORE!

Introducing Athene Annuity and Life Company

Download the free whitepaper “Generation X: An Underserved Trillion-Dollar Market” at http://atheneannuity.com/genx-GreatPlains

We are proud to announce Aviva Life and Annuity Company is now Athene Annuity and Life Company.* As a leader in the fixed index annuity market, we can offer even more to you and your clients.

• Secure. Capital, financial strength and long-term commitment that provides confidence in us. • Service-driven. Over 117 years of serving marketers, producers and clients with excellence.**

To learn more, call Great Plains Annuity & Life Marketing at

1.800.710.1115.

Learn more about the new Athene Annuity and Life Company at athene.com or 1.800.255.2405.

This contract contains exclusions, limitations and charges. Please see product spec sheet for details.

*Insurance products issued by Aviva Life and Annuity Company, West Des Moines, IA (to be renamed Athene Annuity and Life Company, with a planned effective date of March 1, 2014) in all states except New York, and in New York through Aviva Life and Annuity Company of New York (to be renamed Athene Life Insurance Company of New York with a planned effective date of March 1, 2014). Each company is solely responsible for its financial obligations. **Includes Athene Annuity and Life Company and its predecessors. FOR PRODUCER USE ONLY. NOT TO BE USED WITH THE OFFER OR SALE OF ANNUITIES.

Get FIVE benefits in ONE rider n Guaranteed Lifetime Withdrawal Benefit n Enhanced Guaranteed Lifetime Withdrawal Benefit (ADL triggered) n Confinement Benefit n Terminal Illness Benefit n Death Benefit Fund all FIVE benefits from ONE benefit base—with no cap n Clients can use one or all five benefits n Entire benefit base will be paid n Annual 8% roll up rate for years 1 –10 and 5% years 11+ n 6% premium bonus n Early income bonus n Rider charge true-up

• Committed. Expertise, passion and resources focused exclusively on fixed annuities.

AN1452

An FIA with a Potential 55-Year Roll-Up! Start talking to younger clients today about the advantages of this 10-year FIA with a roll-up period that continues to grow until age 85 (or when withdrawals begin).

*Interest rates as of 12/9/13 and subject to change. ATHENE Benefit 10 is issued by Athene Annuity & Life Assurance Company, Wilmington, DE. Product/features may not be available in all states. State variations may apply. Entire benefit base will be paid unless lump sum is elected. In Texas, the Enhanced Benefit Rider is known as the Guaranteed Living Benefit with Enhanced Benefits Rider.

This contract is issued by Athene Annuity & Life Assurance Company and contains exclusions, limitations and charges. Please see product literature for details.

FOR PRODUCER USE ONLY. NOT TO BE USED WITH THE OFFER OR SALE OF ANNUITIES. (2-14)

AN-1446-GP

(4-14)

The New Athene:

One Powerful Resource

Reach out to your next generation of clients

ATHENE Benefit 10

with Enhanced Benefit Rider*

FIND OUT MORE!

Introducing Athene Annuity and Life Company

Download the free whitepaper “Generation X: An Underserved Trillion-Dollar Market” at http://atheneannuity.com/genx-GreatPlains

We are proud to announce Aviva Life and Annuity Company is now Athene Annuity and Life Company.* As a leader in the fixed index annuity market, we can offer even more to you and your clients.

• Secure. Capital, financial strength and long-term commitment that provides confidence in us. • Service-driven. Over 117 years of serving marketers, producers and clients with excellence.**

To learn more, call Great Plains Annuity & Life Marketing at

1.800.710.1115.

Learn more about the new Athene Annuity and Life Company at athene.com or 1.800.255.2405.

This contract contains exclusions, limitations and charges. Please see product spec sheet for details.

• Committed. Expertise, passion and resources focused exclusively on fixed annuities.

AN1452

This contract is issued by Athene Annuity & Life Assurance Company and contains exclusions, limitations and charges. Please see product literature for details.

FOR PRODUCER USE ONLY. NOT TO BE USED WITH THE OFFER OR SALE OF ANNUITIES. (2-14)

AN-1446-GP

(4-14)

STILL Looking for Income Rider SOLUTIONS for Your Client? You can spend hours researching various income riders for your clients, or call Great Plains for answers in a few minutes!

With so many Guaranteed Lifetime Income Benefit (GLIB) riders available in the market today, it can be a daunting task for any insurance professional to run multiple carrier quotes seeking the GLIB rider that provides their client the most for their premium. With just one phone call to your GPALM Annuity Specialist, you can receive a color spreadsheet that shows which companies provide the greatest income for your client. This worksheet shows the income amounts of up to 19 different income riders based on single or joint income, age of the clients and the initial premium, and highlights the top two income amounts by each year. In addition, your Annuity Specialist can highlight the riders that provide additional value that may better suit the concerns of your clients such as Chronic Care Benefit, Death Benefit and Inflationary Income Benefit.

overwhelming, Great Plains Annuity & Life Marketing can help you like never before! We track all the major GLIB providers, and can give you a graphic presentation based on the information you supply for your client’s specific needs quickly with our IncomePLUS Income Rider Comparison tool. This comparison will help enhance your client presentation, with a spreadsheet format for “left-brain” engineertype clients, and color highlights of the top income solutions by year that paint a picture for “right-brain” creative types. A picture (or a spreadsheet) can be worth a thousand words and position you as the Income Planning Professional! Call your GPALM Marketing Specialist now at 800-710-1115 and receive a sample illustration showing how this tool can help you when presenting reliable lifetime retirement income!

We’ll also help you with the specific carrier illustrations of the products and riders you decide to present In addition, your GPALM Annuity Specialist can assist you with individual case development and sales support. If the thought of spending hours researching GLIBs for just a few carriers seems ADR-1450

10.indd 3

3/12/2014 12:21:20 PM

CLIENTS WIN / YOU WIN WITH THESE ROP AND BAILOUT FEATURES!

• “A” RATED CARRIER • RETURN OF PREMIUM BENEFIT • VERY COMPETITIVE CAP WITH BAILOUT OPTION FOR INDEXED STRATEGIES • COMPETITIVE INCOME BENEFIT • NO MVA • EXCELLENT OPTIONAL DEATH BENEFIT

GPALM EXCLUSIVE

HELP CLIENTS ENJOY MORE INCOME! Great Plains can help you navigate the GMWB market an quickly find the best Income Rider solutions to present to your clients! Don’t spend hours doing tedious research when we can give you the answers you need in minutes!

ASK ABOUT OUR INCOME RIDER COMPARISON TOOL!

GET ALL THE DETAILS FROM YOUR GREAT PLAINS ANNUITY MARKETING SPECIALIST!

800.710.1115

www.greatplainsannuity.com 11

WHAT’S GOING ON AT GREAT PLAINS... NSSA CLASS SCHEDULED FOR MAY 5TH IN K.C. Great Plains is sponsoring a Social Security Advisor Course to be held in Overland Park, KS on May 5th, 2014. NSSA is the acronym for National Social Security Advisors located in Sharonville, OH. Insurance agents, financial advisors, attorneys and CPAs that have completed the NSSA certification course better serve their clients through Social Security education. Contact your GPALM Annuity Marketing Specialist for additional details and registration assistance. Course Instructors are Jim Blair, a 35-year veteran of the Social Security Administration and Marc Kiner, CPA, owners of Premier Social Security Consulting. In addition, eight hours of DOI C.E. credits are available for most states (not available in AR, FL or SC) in addition to CFP and CPA C.E. credits. For more information, see article on page 6 and call our office at 800-710-1115.

LOOKING FOR E&O COVERAGE? Call your GPALM Marketing Specialist now for details on our new Great Plains Annuity & Life Marketing E&O Program. The program is administered by MGA Insurance Services and underwritten by CNA Insurance Company. You must be actively affiliated with GPALM at the time of enrollment to qualify. Your Marketing Specialist can forward you program details by email, or visit www.mga-eo.com/gpa on the web.

CHECK OUT WEBINAR WEDNESDAYS AT GREAT PLAINS “Webinar Wednesdays” are off and running at Great Plains! We will be scheduling webinar presentations throughout 2014 held on Wednesdays at 12 PM Central time. We will focus on product introduction and training, marketing tools, sales ideas, lead generation and more. Webinars are usually scheduled every other week, with invitations sent out in our weekly email. Ask your Marketing Specialist for details or visit www.greatplainsannuity.com to register for upcoming webinar events.

LIMRA REPORTS ANNUITY SALES UP! (PRESS RELEASE: FEB. 24, 2014) The Largest Quarterly Percentage Increase in 11 Years. Industry trade publications recently cited a LIMRA Secure retirement Institute press release stating total annuity sales increased 17% in the fourth quarter of 2013 hitting $61.9 billion and the largest quarterly increase in 11 years. Sales for 2013 totaled $230.1 billion which was a 5 percent increase over 2012. Single premium immediate annuity sales were up 30 percent in the fourth quarter to reach a record $2.6 billion. SPIA sales totaled $8.3 billion, which is 8 percent higher than in 2012 and another record. Sales of indexed annuities reached a new quarterly record of $11.9 billion, an increase of $1.7 billion over the prior quarter. It was also reported that Indexed annuity sales of $39.3 billion represented an increase of 16 percent in 2013 over 2012. LIMRA representative Joe Montminy stated “There are 42 million retirees in the U.S. today, which will grow to 65 million by 2025. In addition, more and more Americans are going to retire without a pension and will look to create a guaranteed income stream, which annuity products can provide.” For more information and full version of the release please visit: http://tinyurl.com/ng6t4we

NEW OPPORTUNITIES Call your Annuity Marketing Specialist to discuss some of the new opportunities available at Great Plains! Besides the outstanding case development and sales support Great Plains provides, we have exciting news regarding the Carriers and products you want...

800.710.1115

www.greatplainsannuity.com 12

ADR-1451

12.indd 3

For financial professional use only. Not for use with the general public.

3/12/2014 12:26:54 PM

800.710.1115

www.greatplainsannuity.com

Agent Name Agent Name Company Name Company Name Address Address City, State Zip City,Phone State Zip Phone Website Website

13.indd 1

3/12/2014 12:27:24 PM

Many Product Choices for Chronic Care/LTC Benefits... Population wise, the market for individuals to acquire some level of Chronic Care/LTC Benefits has probably never been larger. Individuals, especially those who have retired or are near retirement, are increasingly concerned with what they know to be very high costs for this care. Additionally, there is concern of possibly spending down assets in order to qualify for Medicaid leaving little or no assets to pass to heirs. In previous years, the stand-a-lone LTC policy was all that was available. The downside for many prospects were the high premiums, the potential for rate hikes and the “use it or lose it” stigma should a claim never be filed. In today’s life insurance industry, there have never been more product choices to discuss with your existing clients or prospects • Universal Life products with Chronic Care/LTC Riders • Universal Life product with Accelerated Benefit Endorsement built-in • Single premium or flex pay life products primarily focused on LTC funds • Single Premium Life with Chronic Care benefits • Benefits that are either indemnity or reimbursement What Prospects understand, appreciate and are buying is the simple fact that if Chronic Care/LTC benefits are either never needed or only some benefits were paid out, the beneficiaries receive any balance of the death benefit income tax free. If you work with individuals ages 50 to 75 then you have should have many sales opportunities. And, you don’t need to be an expert. We are glad to help you with questions to ask, identifying a prospect and designing the appropriate plan. Plus, we represent all the right carriers.

For more information, contact Dick Reynolds, CLU (800) 710-1115 | Dick@gpam.biz 14

14.indd 1

3/12/2014 12:27:54 PM

New Product With Institutional Pricing – Specifically designed for the business market & not a hybrid of an individual product While all businesses face competition and regulations, they all need to compete aggressively to attract and keep key employees who are an integral part of their success. And to do so, there are specialized plans that can help meet their unique needs and reward them for the contributions they make. Plans that also allow a business to pick and chose the employees to reward while controlling the assets. Average Case Premiums of $100,000+ Small to midsize businesses do need your help. Many do not know what might be available to solve the needs of certain employees. However, you do not need to be an expert. We represent this A.M. Best’s “A+” rated company and their Business Solutions Group to support you from start to finish • Experts who not only will speak to you but to the client as well • Ways to identify a business’s needs to determine which plan best meets those needs • Show business owners how plan costs are offset on the business’s balance sheet • Cash enhancements, zero surrender charges • Specialized underwriting based on number of lives - up to guaranteed issue Who are the right Business Prospects? • Businesses who are profitable with good cash flow • Businesses with 2 or more owners • Businesses with several key employees • Businesses with highly compensated employees • Business owners you may already know

To learn more or discuss a particular business, contact... Dick Reynolds, CLU | Dick@gpam.biz

800.710.1115

www.greatplainsannuity.com 15

15.indd 1

3/12/2014 12:28:24 PM

10901 W 84th Terrace., Ste. 125 Lenexa, KS 66214

800.710.1115

www.greatplainsannuity.com 100% Independently Owned! GPALM PRODUCERS ACCESS ANNUITY & LIFE RATES 24 HOURS A DAY!

LOOKING FOR E&O?

Call your Great Plains Marketing Specialist NOW! Take Advantage of this Opportunity! • Available for Contracted and Active Great Plains Agents! • Easy-to-use Online Application Process takes a few minutes! • Flexible Coverage Options to fit products you write! • Take advantage of great rates!

800.710.1115

16.indd 1

3/12/2014 12:28:46 PM