recruitment webinar no animation

What We do . . .What We do . . .

The Resource Center is an Insurance Marketing Organization devoted to helping you grow and protect your client’s wealth through:

• Seminar Marketing• Professional Development• Professional Coaching• Product Placement Coaching• Sales Skills Training• Qualified Leads• Helping you take control of your career• We will help you double & triple your income

Meet Jim Brown…Meet Jim Brown…

• 26 years in the field…selling annuities, life insurance and securities products• Chartered Life Underwriter• Chartered Financial Consultant• 10 years as a sales manager / business coach / business development• Vice President of Sales and Recruiting at The Resource Center.

What can Brown (Jim Brown) do for you?

For 2008…What is YourGOAL As a Financial Advisor?

You know you can get there...

Getting to the Next Level!Getting to the Next Level!

• $200,000• $300,000• $400,000

• $500,000 and more! …in annual income

Who We Represent . . .Who We Represent . . .

The Resource Center represents these and other insurance companies:

• LSW (Life Insurance Company of the Southwest)• ING• Allianz• Transamerica• American National• Washington National• Investors Insurance• Old Mutual / F&G• American Equity• AIG

For . . .• Annuities• Life Insurance• Long Term Care Insurance

To Protect and Grow Your Client’s Wealth

Recommended Products . . .Recommended Products . . .

We can recommend any product. So why LSW?

They have just released new products and riders!

National Life Group

$19.2 Billion Assets$55 Billion Insurance In ForceRated A+ (S&P), A (Best’s)Career and Independent DistributionRelationship-based Companies

LSW is part of:

CAPTURE THE WINNINGS!DOW JONES INDUSTRIAL AVG - 1940-1960

CAPTURE THE WINNINGS?!?DOW JONES INDUSTRIAL AVG - 1960-1980

CAPTURE THE WINNINGS!DOW JONES INDUSTRIAL AVG – 1980-2000

YESTERDAY & TODAY

Dow Jones 1960-1980Dow Jones 1960-1980 Dow Jones 1995-PresentDow Jones 1995-Present

Proven leader in all aspects of the fixed and indexed annuity marketplace!

•Since 1996 – One of the first companies in the industry to develop an interest indexed annuity; First in flexible premium design

•Financial stability & strength

•Integrity in design and promotes outstanding marketing practices

•Quality Service

•Published Renewal Rate History

Why LSW?

Guaranteed Lifetime Income Rider

• Guarantees a steady stream of income for the rest of your life

• Leaves you in control of your money, so you have access to it when you need it the most

• Protects your retirement savings and transfers as much of it as possible at death

• Optional living benefit; issue age 40 and older

• Rider allows you to take an annual Guaranteed Withdrawal Payment for life

• Can elect the rider’s Guaranteed Withdrawal Payment at attained age 60 or older and after the first policy year

• Enhanced Benefit also is available at attained age 60 or older and the policy has been in-force for five years

How Does the Rider Work

To qualify:

• Only available on life of the Annuitant

• Must be unable to perform, without substantial assistance from another individual, at least 2 of the 6 ADLs due to a permanent loss of functional capacity

• Don’t have to be in a long-term care facility to qualify

• Subject to verification by independent health care professional

If the Annuitant qualifies before electing payments, the Guaranteed Withdrawal Payment will be significantly higher

The Enhanced Benefit

Rider Charge

Charge is .40% of Policy Accumulation Value for first 10 Policy years beginning on the 1st Policy Anniversary

Charge is .50% of Policy Accumulation Value for Policy years 11+

Charge is frozen at .40% if election of Guaranteed Withdrawal Payment occurs before the 11th Policy Year

LSW uses a formula to determine your payment from your annuity…

Income “Calculation” Base

X Guaranteed Withdrawal Percentage

= Guaranteed Withdrawal Payment

How Does the Rider Work?

Step 1: Income “Calculation” Base

Before Election:Increases at the annual Roll-Up Rate of guaranteed up to 20 years!

Income “Calculation” Base also will increase by the amount of any immediate interest credit and/or Bonus Accumulation Value

Step 1: Before Election - Automatic Reset of Income Calculation Base: 5th, 10th, 15th, 20th, election

Years of Income Deferral

Income “Calculation” Base

Hypothetical Policy Accumulation Value*

1 107,000 $105,000

5 140,225 $140,500

Reset @ 140,500

140,500 $140,500

Guaranteed Withdrawal Payment is $10,819 a

year for life

$100,000LSW

Indexed Annuity & GLIR

$100,000LSW


Age 55 Age 65

Guaranteed Withdrawal Payment for Life

Enhanced Benefit Withdrawal Payment is

$16,720 a year for life

$100,000LSW


$100,000LSW


Age 55 Age 65

Enhanced Benefit for Life

2 of 6 ADLs

Step 2: Guaranteed Withdrawal Percentage Table

Annuitant’s Attained Age at Time of Election

Single Life Income

Percentage

Enhanced Benefit Joint Life Income Percentage

60 5.00% 8.00% 4.50%

61 5.10% 8.10% 4.60%

62 5.20% 8.20% 4.70%

63 5.30% 8.30% 4.80%

64 5.40% 8.40% 4.90%

65 5.50% 8.50% 5.00%

66 5.60% 8.60% 5.10%

67 5.70% 8.70% 5.20%

68 5.80% 8.80% 5.30%

69 5.90% 8.90% 5.40%

70 6.00% 9.00% 5.50%

71 6.10% 9.10% 5.60%

72 6.20% 9.20% 5.70%

73 6.30% 9.30% 5.80%

74 6.40% 9.40% 5.90%

75 6.50% 9.50% 6.00%

76 6.60% 9.60% 6.10%

77 6.70% 9.70% 6.20%

78 6.80% 9.80% 6.30%

79 6.90% 9.90% 6.40%

80 7.00% 10.00% 6.50%

81 7.10% 10.10% 6.60%

82 7.20% 10.20% 6.70%

83 7.30% 10.30% 6.80%

84 7.40% 10.40% 6.90%

85 7.50% 10.50% 7.00%

86 7.60% 10.60% 7.10%

87 7.70% 10.70% 7.20%

88 7.80% 10.80% 7.30%

89 7.90% 10.90% 7.40%

90 and above 8.00% 11.00% 7.50%

Innovations – LSW’s Guaranteed Lifetime Income Rider

• 7 % annual Roll-Up Rate on the Income “Calculation” Base; guaranteed for up to 20 years

• Enhanced Benefit when client cannot perform 2 out of six ADLs (3 percent additional withdrawal percentage added to guaranteed withdrawal percentage)

• Automatic reset of the Income Base takes the higher of the Accumulation Value versus the Income Base

• Guaranteed Withdrawal Percentage – 5% at age 60, growing by 0.10% per year until age 90 (8%)

Innovations – LSW’s Guaranteed Lifetime Income Rider

• Guaranteed Withdrawal Payments may be increased – Step-up calculation using attained age percentages

• Joint Withdrawal Option - Only a .50% reduction to Single life percentages

• Rider is Commissionable - Commission Paid on Single Premium

• Rider charges are fixed at issue (doesn't change on reset of Income Base)

• Guaranteed Withdrawal Payments made from Declared Account = Interest to date of withdrawal

• Guaranteed Withdrawal Payments may be paid monthly, quarterly, semi-annually, and annually

Issue #6 Healthcare Crisis

• Americans 45 and up consider healthcare the single most

critical national issue and expense

• 69% of people age 65 and older will need some type of

long-term care: 37% will enter a nursing home

• Current long-term care costs range between $150 to $250 per day…that’s $55,000 to $90,000 per year

• 2010 – Annual Healthcare expenditures will be $8,704 per

person

Issue #6 Healthcare Crisis

• How are you accumulating enough assets to pay for future

healthcare expenses for you and your family?

• Do you have the right medical insurance coverage?

An LSW Indexed Annuity with the SELI option may allow you to retain your wealth and protect you accumulation value from creditors and in some cases not force you to spend-down your assets to qualify for Medicaid

Issue #7 Investor Blunders

• Greed…In an effort to hit a homerun, we take risks. Risks can reap big rewards, but usually leads to low overall returns.

• From 1984 to 2003 S&P Index posted annual returns of nearly 13%.

• During same period, average stock market investor only earned 3.51%.

• WHY? FEAR…Buy and Sell at the wrong time.


• March 10, 2000, NASDAQ reached 5,132

• Oct. 10, 2002, fell to 1,108

• Hypothetical $100,000 invested would have been worth

$21,590, a reduction of 78%. Requires 463% growth to

break even

• Assuming 8% growth, it would take nearly 20 years to

recoup the money


• Is your retirement money protected from market risk?

• What is your risk tolerance and timeline for retirement?

An LSW Indexed Annuity is an excellent vehicle for those people who do

not want to risk their retirement savings and not a long-time to make

up loss

• Male Age 66

• Retired from GM 1 Year Ago

• Had $500,000 Invested in Money Management Program with a Firm

• Portfolio down $100,000

A RECENT CLIENT

t PROTECT YOUR PORTFOLIO

Fully Invested in Market a la S&P

$400,000 Invested in Mutual Fund$200,000 in Mutual Fund$200,000 Indexed

IF the S&P Goes Down 50%IF the S&P Goes Down 50%

Diversified to Less Risk

$200k Mutual Fund = $100k$200k Indexed = $200kTotal Holdings = $300k

$400k Mutual Fund = $200k

Total Holdings = $200k

IF the S&P Goes Up 33%IF the S&P Goes Up 33%

$200 Mutual Fund = $267k$200 Indexed = $252k


$400k Mutual Fund = $533k


Difference of $14k – But Without The RiskDifference of $14k – But Without The Risk

What We do . . .What We do . . .

The Resource Center is an Insurance Marketing Organization devoted to helping you grow and protect your client’s wealth

• Seminar Marketing• Professional Development• Professional Coaching• Product Placement Coaching• Sales Skills Training• Qualified Leads• Helping you take control of your career• We will help you double & triple your income

For 2008…What is YourGOAL As a Financial Advisor?

You feel you can get there...

Getting to the Next Level!Getting to the Next Level!

• $200,000• $300,000• $400,000

• $500,000 and more! …in annual income

Why Haven’t You Been Reaching Your Goals?Why Haven’t You Been Reaching Your Goals?

You’re doing it all wrong!

If you really look at the marketing materials sent to you . . .the answer is clear

Everybody Else Appears to Be Successful . . . Everybody Else Appears to Be Successful . . .

• E-Mail• Faxes• Postcards & Mail LATEST GREATEST STUPENDOUS

We want to believe . . . We’ll try anything to get us where we feel we should be . . . at the NEXT LEVEL!

Every day you receive . . .

But YOU?

My Future is Bright! . . .My Future is Bright! . . .

There’sNothingto It…But to

DO IT!

Life is Good!

Just a Few Situations?…Just a Few Situations?…

Getting LeadsScheduling

FirstAppointments

FirstAppointments

NoShows

No House at that Address

Person Scheduled Died 2 Years Agor

Great FirstAppointment!

I made 2 NewFriends Today!

My Spouse and IAre Going to Dinner

No Money…Already Lost in Market

I’mTired!

ClientBacked

Out!

Just a Few Situations?…Just a Few Situations?…

CAR REPAIRSCAR REPAIRSSPOUSESPOUSEKIDSKIDS

MAILMAILBILLSBILLSMARKETINGMARKETING

CREDIT CARDSCREDIT CARDSMORTGAGEMORTGAGE

“You’ve Got to

Get a Real Job!”“You’ve Got to

Get a Real Job!”

SomeFinancial Planner I Am . . .

If My ClientsActually KnewOur Finances

IRSProblems

… Are you feeling a bit overwhelmed about now?

What Do I Need to Do?What Do I Need to Do?

How Do I Want Potential Clients to See Me?

“The Ultimate Financial Advisor” • They Need to Know I Care • They Need to Know I Know

• They Need to Know I’m Going to Be Around

You Need to Position Yourself for Success!

• “What Do I Do?”

Let Us Show You What to Do!

= TRUST!

3 Participation Levels . . .3 Participation Levels . . .

EXECUTIVE CLUB

ASSOCIATE VICE PRESIDENT

REGIONAL VICE PRESIDENT

The Resource Center offers Advisors three levels of professional engagement and support

TRC Participation Level . . .TRC Participation Level . . .

•Entry Level

•Limited Marketing

• Access to a Regional Vice President

• Regional Sales Rallies

• Around $1,000,000 in annual Fixed Annuity production

EXECUTIVE CLUB


ASSOCIATE VICE PRESIDENT

• Enrolled in AESI CWSS program

• Customized Marketing Program

•$2-4,000,000 in annual Fixed Annuity production

• $2-4,000,000 in Variable Annuity and Mutual Fund business

• Regional Sales Rallies

• Website development—Full community Promotion


REGIONAL VICE PRESIDENT

• Fully engaged in The Resource Center marketing program• Enrolled in AESI CWSS program• 30 Programs per year: (30 Buying Units per program = 20 appointments = 7 sales X 30 = 210 sales X $50,000 in premium = $10,000,000)

• $10,000,000 in Fixed Annuity production• $10,000,000 in Variable Annuity business• $10,000,000 in Mutual Fund business• 3-6 Sub-Producers• 2-4 Staff Employees• Regional Sales Rallies (Exec. Club, CPAs, PC, Financial Planners)


• Appoint with TRC today

• Submit first piece of business and we will give you

100 FREE leads. A qualified lead is:

• Over age fifty• Homeowner• $100,000 household income• $250,000+ investable wealth

TRC will send out Direct mail postcards

Phone scripts

Door knock appointment script

EXECUTIVE CLUB QUICK START Marketing Plan

Quick Start Steps… Quick Start Steps…

Step 1: Appoint with The Resource Center

Step 2: Submit some Business

Step 3: Receive 100 FREE LEADS

Step 4: 10 times = 1000 LEADS

Step 5: YOUR MARKETING AREA

1000 leads yields at least 60 salesat average $60,000 ea. in premium =

$3,600,000 @ 8% commission =

$280,000 income to you.

For agent use only – not for use with the public.

Life Insurance Company of the SouthwestLife Insurance Company of the Southwest

LSW Solutions for Life


The Future is Now

• 78 million Baby Boomers (1946-1964) heading to retirement

• 2007 -- Now more seniors than teenagers in America

• Fastest growing population segment is 100 +

• Estimated 2010 to 2030 … 65 and older population is expected to spike 75% to more than 69 million

• If married and live to age 65 … 47% chance that one of you will live to age 95


Critical Illness Impact

In 2007 -•1.2M American will have a heart attack*•700,000 Americans will have a stroke*•1.4M will be diagnosed with cancer**

How many will be forced to declare BANKRUPTCY because of a medical

hardship?

*source American Heart Association

**source American Cancer Society


The End of the Money Trail

• Only 44 million Americans covered by pension

plans

• Number of corporate pension plans have

dropped from 114,000 in 1985 to fewer than

28,000 in 2006

• Many plans are seriously under funded and

near default


Disability

Nearly one in three Americans ages 35-65 will become disabled for more than 90 days.1 More than 20 million Americans suffer disabling injuries each year.2

Consumer Financial Concerns

Retirement Almost half of Americans have saved less

than $50,000 (46%), and 15% say they have saved nothing towards retirement3

Accelerated Living

Benefits

Life Insurance

Over half of women and nearly one-third of men 65 and older will stay in a nursing home sometime during their lifetime4

48 Million U.S. households are underinsured5

1 2005 Field Guide to Estate Planning, Business Planning & Employee Benefits, by Donald Cady2 National Safety Council, Injury Facts, 2004 edition3 2002 Retirement Confidence Survey – American Savings Education Council4 The Risk of Nursing Home Use Later in Life, Medical Care 28(10): 952-62 5 AAA Business Wire - September 13, 2006


**

**

*

*

* Policy loans and withdrawals and the use of living benefits riders reduce the policy’s cash value and death benefit and may result in a taxable event..

**Riders are optional, may require an additional premium and may not be available in all states.


SecurePlus Paragon ProspectsIndividuals

Tax-deferred cash accumulation

Retirement Income

Funding Education Costs

Acceleration of the death benefit in cases of terminal, chronic or critical illness through the ABR riders

Higher-End Death Protection Sales

1035 Exchanges (VUL to IUL)

Long-term Care Expense


Business Market

Buy-Sell Agreements

Executive Bonus Plans

Non-Qualified Deferred Compensation

Key Employee Protection

Premium Financing

SecurePlus Paragon Prospects


Estate Planning

Management of Estate Taxes

Settlement Costs

Probate Expense or Estate Administration Costs

Liquidity to Protect Assets from Forced Sale

SecurePlus Paragon Prospects


Paragon Introduction

Issue ages: 0 - 85 (age nearest)Minimum Face: $100,000

Minimum APB Rider: $25,000Maximum APB: Nine times base faceMaximum Face: Talk to usPremium Bands: $250,000 & $1,000,000

Approved in all states EXCEPT: MT, NJ, NY, PA, HI, MA, MS

*Additional Protection Benefit Rider. Riders are optional, may require an additional premium and may not be available in all states.



Minimum Premium: $25.00 / month

Surrender Charge: 10-year declining charge

Policy Loans: Variable and fixed available after the first policy year

Withdrawals: Available after the first policy year

Minimum Interest: 2.5%, available at death or full surrender



Rate Classes:

Elite Pref. Non-Tobacco (issue ages 20-75)

Preferred Non-Tobacco (issue ages 20-85)

Standard Non-Tobacco (issue ages 0-85)

Preferred Tobacco (issue ages 20-75)

Standard Tobacco (issue ages 20-85)

Standard Non-Tobacco for insureds ages 0-19



1035 Exchanges: Available with loans of up to 50% of the gross transfer amount

Policy Fee: $5 per month

Premium Load: 6% of premium

Expense Charges: Based on age, sex and rate class

Mortality Basis: 2001 CSO



Interest Crediting – 1 yr term, annual reset

• Fixed Interest• Point-to-Point – Cap focus• Point-to-Point – Participation Rate focus• Point-to-Point – No Cap• Point-to-Daily Average


Strategy Cap Par Max Illus Rate

Point-to-Point Cap Focus 16% 100% 9.7%

Point-to-Point PR Focus 11.5% 140% 8.4%

Point-to-Point No Cap None 75% 9.9%

Point-to-Average No Cap None 140% 9.3%

Illustrated Rates for Paragon


Low Net Cost Loan ExampleAssumptions: $200,000 death benefit policy over 10 years old with a cash value of $50,000 earning average indexed interest of 7.5% and a $10,000 loan is requested with a 6% variable loan rate.

Cash value:

$40,000 @ 7.5%

In 10 additional years cash value = $82,441

Collateral account:

$10,000 @ 6%

In 10 additional years collateral account = $17,908

Loan debt:

$10,000 @ 6%

In 10 additional years loan debt = $17,908

Cash value available for additional loan or surrender is $82,441


Variable Net Cost Loan ExampleAssumptions: $200,000 death benefit policy over 10 years old with a cash value of $50,000 earning average indexed interest of 7.5% and a $10,000 loan is requested with a 6% variable loan rate.

Cash value:

$50,000 @ 7.5%

In 10 additional years cash value = $103,051

Loan debt:

$10,000 @ 6%

In 10 additional years loan debt = $17,908

Cash value available for additional loan or surrender is $85,143


Accelerated Benefits Rider

ABR 1 – Terminal Illness• Resulting in death within two years*• Lump-sum distribution (discounted from

death benefit)• No additional premium cost• 85% to 90% of the face value

Form series 8052(0798)

*One year in PA, CT or VT. Please see the ABR disclosure forms for more information.



ABR 2 – Chronic Illness

• Unable to perform 2 of 6 ADLs or cognitive

impairment;

• Max. monthly benefit is 2% of the face value

of the policy, discounted by age, face amount,

cash value accumulation and other factors –

approximately 80%. Payments will last

approximately 50 months.

Form series 8095(0399)*Please see the ABR disclosure forms for more information.



ABR 2 – Chronic Illness (cont’d)• Activities of Daily Living

• Bathing• Continence• Dressing• Eating• Toileting• Transferring

• Cognitive Impairment• Short-term or long-term memory impairment• Loss of orientation to people, places or time• Deductive or abstract reasoning impairment




ABR 3 – Critical Illness• Covered Illnesses

• Heart Attack• Stroke• Cancer*• End stage renal failure*• Major organ transplant• ALS (Lou Gehrig’s disease)*• Blindness


*Upon diagnosis. Please see the ABR disclosure forms for more information.


Extension of Benefits Rider

• Provides LTC benefits after ABR2 or LTC Rider benefits have been exhausted this will keep paying you…

• Max. monthly benefit of 1% of initial face amount for nursing home or home health care or .5% for adult day care

• Funds must be used for long-term care costs• Benefits are paid for life as long as insured

remains eligible• Issue ages 0 - 70



Additional Protection Benefit Rider

• Provides additional permanent coverage• Minimum face amount - $25,000• Maximum blend – 9 times base• Non-commissionable• Maximum ABR acceleration – 50% of

APB face amount at time of initial acceleration



Overloan Protection Rider• Prevents a potential tax liability if a policy is in

danger of lapse due to loans• Creates a “paid up” policy• To qualify:

• Age 75 or greater• Policy must be in force at least 15 years• Loans at least equal to 95% of policy’s accumulated value• Policy must be in DEFRA corridor• Not available on CVAT

• No additional cost until rider is exercised• Policyholder will be notified when eligibility

requirements are met



Be Like Mike!

Policy Year Age

Annual Outlay

GuaranteedCash Value

GuaranteedDeath Benefit

CurrentCash Value

CurrentDeath Benefit

AnnualIncome

1 46 $18,000 $0 $976,526 $0 $976,526 $0

2 47 $18,000 $0 $976,526 $0 $976,526 $0

13 58 $18,000 $156,835 $976,526 $282,171 $976,526 $0

14 59 $18,000 $167,078 $976,526 $322,740 $976,526 $0

15 60 $0 $113,060 $929,844 $302,561 $929,844 $43,957

16 61 $0 $55,134 $880,267 $281,856 $880,267 $43,957

45 90 $0 $0 $0 $719,443 $960,759 $43,957

50 95 $0 $0 $0 $1,733,479 $1,808,936 $43,957

51 96 $0 $0 $0 $2,042,484 $2,125,101 $43,957

52 97 $0 $0 $0 $2,393,305 $2,483,754 $43,957

53 98 $0 $0 $0 $2,790,797 $2,889,811 $43,957

54 99 $0 $0 $0 $3,286,655 $3,395,036 $0

55 100 $0 $0 $0 $3,843,804 $3,962,438 $0

Total Premium Paid $252,000 Total Income From Loans $1,714,323

SecurePlus Paragon, male 46 preferred, average interest of 9.7%


A Long Term Saver


Policy Year Age Annual Outlay



CurrentCash Value


AnnualIncome

1 30 $7,200 $0 $785,317 $0 $785,317 $0

2 31 $7,200 $0 $785,317 $0 $785,317 $0

30 59 $7,200 $145,063 $785,317 $790,358 $1,059,080 $0

31 60 $0 $140,689 $785,317 $865,472 $1,125,113 $0

32 61 $0 $0 $0 $811,497 $1,076,846 $128,227

56 85 $0 $0 $0 $613,315 $1,028,238 $128,227

57 86 $0 $0 $0 $769,030 $1,222,371 $128,227

58 87 $0 $0 $0 $953,161 $1,448,242 $128,227

59 88 $0 $0 $0 $1,168,365 $1,708,755 $128,227

60 89 $0 $0 $0 $1,417,729 $2,007,278 $128,227

61 90 $0 $0 $0 $1,704,482 $2,347,335 $128,227

70 99 $0 $0 $0 $8,131,155 $8,419,889 $128,227

71 100 $0 $0 $0 $9,576,809 $9,892,861 $0

Total Premium paid $216,000 Total Income From Loans $5,000,853


A Last Minute Saver


Policy Year Age

Annual Outlay



CurrentCash Value


AnnualIncome

1 55 $50,000 $16,811 $801,323 $19,593 $801,323 $0

2 56 $50,000 $51,807 $801,323 $60,532 $801,323 $0

3 57 $50,000 $97,433 $801,323 $115,629 $801,323 $0

4 58 $50,000 $143,840 $801,323 $175,440 $801,323 $0

5 59 $50,000 $191,095 $801,323 $240,483 $801,323 $0

6 60 $0 $157,668 $768,006 $226,345 $768,006 $31,372

7 61 $0 $121,726 $732,623 $211,339 $732,623 $31,372

31 85 $0 $0 $0 $192,987 $304,143 $31,372

41 95 $0 $0 $0 $1,236,316 $1,290,160 $31,372

42 96 $0 $0 $0 $1,456,752 $1,515,706 $31,372

43 97 $0 $0 $0 $1,707,023 $1,771,564 $31,372

44 98 $0 $0 $0 $1,990,592 $2,061,245 $31,372

45 99 $0 $0 $0 $2,344,346 $2,421,684 $0

46 100 $0 $0 $0 $2,741,829 $2,826,484 $0

Total Premium Paid $250,000 Total Income From Loans $1,223,508


Q&A (Questions and Answers)

recruitment webinar no animation

Economy & Finance

life underwriter

policy years

annual income

national life group

insurance companies

income calculation basealso

annuity glir age

steady stream of income