This morning, a former Vice Chair of the Federal Reserve said… we are in for a very messy economy.  We had all hoped that inflation would reduce with the reduction in gas prices. That didn’t happen, and the equity markets are getting slammed today.

We can expect the Fed to raise rates by 75bps at the next meeting and increased rates over the next 3 meetings. Asking prices on homes are coming down and mortgage rates are going up. Some companies are beginning layoffs and retail firms are stuck with inventory as discretionary income goes down. Of course, we have geopolitical events to deal with, and a declining national petroleum reserve. Most feel that the winter season will bring exploding energy costs to heat homes. But, this will pass…sometime - but most can’t wait. What to do? Read on…

Current and pre-retirees are in a pinch and they are worried. Contrary to what many might think… “It’s the retirement income stupid.” Now, I don’t mean you. But, we need to come to the rescue.

Forget all the wonderful projections of the past few years, and focus on the guaranteed retirement income benefits of a Fixed Index Annuity. Have clients that are CD buyers? Show them the CD and Bond alternative. That is the shiny and beautiful MYGA. I am not suggesting that people dump all their equities because they will come back. I am hanging in there but I, like others, wish to add to… or start some more “Safe Money Places.” Our products are perfect for today and tomorrow. Americans are looking for guaranteed income and good return on short term products. So, what to do? Read on…

Need leads? We have territories that are open for our wholesale priced digital annuity leads. See if you area is open. Call our marketing team to set up a proposal for your prospects and clients. Try laddering MYGAs and FIAs. Ladies and gents, this is our Super Bowl… our World Series and more. Let’s win together and help America.

​The Ohlson Group is committed to providing best-in-class service to our valued producers. Those who have been with The Ohlson Group already know this. Those who are just coming on-board – you can expect excellent service from our dedicated team.

We recently hooked-up with Firelight and will be going live with Firelight mid-September. Firelight is a one-stop area whereby all annuity applications can be submitted via e-application. We also utilize iGo for life insurance e-applications. We wanted to let you know that we are investing in technology to make it even easier to do business with The Ohlson Group.

You have likely noticed delays with various (most) insurance companies. There are delays in processing contracts and processing new business. We want you to know that we are in constant contact with the carriers for each and everyone of your cases. We have dedicated contacts within each carrier and are doing our best to move the business along.

Despite our best efforts, there are some things that are out of our control, not matter how hard we push. Give us a call if you have concerns about any pending pieces of business.

Finally, many of you know about our agent lead program and our great agent commission bonus program. We generate hundreds of leads per month and pay out thousands of dollars in agent bonuses each quarter. If you would like information on the agent lead program or the agent commission bonus program, please contact us and we can get you more information.

Thank you for your support!

I have been doing this for a long time and have never witnessed MYGA growth like this. 

MYGAs have shown great sales increases for 8 quarters in a row. And, I believe this is just the tip of the iceberg.

The “Volatility Index” is going through the roof. The Federal Reserve is going to make another big increase in September and I don’t believe they are done hiking rates. Inflation is still way too high, and oil and gas costs are going to increase as winter sets in. People are nervous about deploying money back into the equity markets, they are worried about purchasing bonds and CD's, and Money Market rates aren’t going to do it for Americans. That is why they are flocking to MYGA's. Please read on…

3 and 5 year MYGA rates are above 4% and some are now starting to “tickle” the 4.5% environment. This is proving to be the “short term parking place” for many Americans. Plus, if a new prospect, these people can turn out to be great clients as they will speak with you about the rest of their portfolio.

This is the most simple policy to explain. But, if you need help on a presentation, simply click below and watch our “CD alternative” 4 minute video. It is all that you need to show the consumer. Some insurance companies are starting to offer these rates online directly to the consumer. It is time that you get your share of this business. Simply call one of our marketing consultants, schedule an appointment or simply click below to watch the consumer video.
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Don’t look back and miss the opportunity, as the train is still leaving the station.

I am talking about Final Expense coverage.  Nothing too sexy about this. Look at these features:

• Simplified issue whole life… no moving part
• No Medical  exams or blood draws
• 3 different types of coverage… graded, limited for 2 years, and full coverage day one
• Premiums can’t increase and coverage guaranteed for life
• Coverage as low as $5,000

The fact is, many of your clients have already purchased a Final Expense plan. Why? They want more coverage and without any hassles. The following are a few different rates:

Male 65, non smoker:  $25,000 coverage for about $135 per month

Male 68… about $155

Male 72… about $200

Commission is around 100%... PLUS hefty renewals (remember them?)

Clients can use the 10% free withdrawal for annuities. They can use their RMDs and also cash. Tax free death benefit at a time when it is needed.
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Want to know more and earn an extra $50,000 per year?  Give Levon Justice a call, or click to schedule a phone appointment.  You will be glad you did… and so will your clients. 

Well, we launched the most advanced life product in America. Yep, up to $1 million of term life insurance issued, and placed in force in 10 minutes. This is the “Superman” of term insurance. Okay, I know that we all delete emails. So, I will be very brief…

• Max age for issue is age 60
• Max coverage $1 million… reduced at the older ages
• You use your own URL, take the app on online, hit underwrite and within 10 minutes the policy is issued
  
• Give them a credit card or bank info and place in force
• Email the policy to your client
  
• An old company rated Excellent by AM Best
  
• Oh, commission at 100% and more!

Want to know more? Call and ask to speak with a member of our life department or book an appointment now.  Because, when I say… Good Selling… I mean… Good Selling!

You’ve all heard that scary saying… “I’m from the government and I am here to help you.”  Well, some new help is around the corner from the mess created by inflation.

Many are predicting an up to 10% increase in Social Security payments starting January 1,2023. The actual percentage will be decided in October 2022. So, what does this mean for you and your clients and prospects?

The biggest increase in June life sales was in the 71 years and older market. Whole life was the big winner. So, how about talking to your clients about this?

"Mr./Mrs. Client, you are currently receiving $2,000 per month in Social Security payments. That could increase by $200 in January. Let’s start that additional final expense product with the new Social Security increase. Start today, and the new premium money will be there for you in January."

Interested? Give Levon Justice a call today at 877-844-0900 or click for an appointment to discuss this opportunity for all.

Yep, football season is just around the corner. And we know that a great defense can help propel the offense.  As I watch, listen and read the plans from many of the top money experts and managers in the country, they state that they are placing the clients in a defensive posture. They know that the market will come back but for now… “defense.” So, what does that mean and how do you explain the urgency to your clients? Let’s look…

Yes, your client can purchase a 10 Year Treasury paying about 3%. But if you think inflation will continue, and that the rates on the 10 year will go up… what does that mean to your clients? Simple, if new rates rise, the value of your bond purchase today decreases. Here’s a possible solution for “short termer.” A MYGA… the MYGA outpaces treasuries and Certificates of Deposits and you can layer them.

What about the individual that is concerned about retirement income? Simple... How about a Fixed Index Annuity with a strong lifetime income guarantee? A rate on the income account guaranteed to go up in spite of markets. And if your client desires, a first year income account bonus of 10% or more?

Have some younger clients that purchased a home, have debts, or short term needs? Use our 10 minute issue term insurance policy that will issue up to $1 million of coverage depending on age.

Need a sales presentation? Contact our marketers today… time is a wasting and it is time to play “defense.” 

I am not writing or speaking in the spiritual sense. No, I am talking about the life of a loved one going on after the death of a loved one. In this case, I am speaking of a spouse.

Results just came in showing that the big increase in life insurance sales was in the age 71 and up market place. Simplified issue life insurance products are a big part of that market. I invite you to call the head of our life division, Levon Justice, and investigate the market for these no exam products. While you are speaking with him, make sure to ask him about our groundbreaking term to 61 that will issue in 10 minutes.
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Yes, there is “life after death” in the spiritual and the financial world. You might not be able to assist your clients in a wonderful life thereafter, but you can make a difference in the ones they leave behind. 

I know that my mom would be fine with me sharing our phone conversation today. Many of you know my mom, and even worked with my dad when he worked for me. My dad has been gone for about 9 years but my mom is still here at age 93. It is important for me to speak with my mom every day, but it’s not always possible. You see, she’s in an assisted  living facility in the “memory care” section.

My mom has dementia and she is often confused and lives in a former time in her life. To make matters worse, she is also blind. So she needs people to help her in basically every element of daily living. She is in a great place that comes with a pretty steep price. And that makes all of us feel pretty comfortable because we know that she is safe.

Her story is not that uncommon. Many people are dealing with situations like this. But most do not have the funds to stay in a place like this. Many would be in a Medicaid facility or a nursing home. Please read on as this just might help you… help your clients.

The cost for this place is about $7,500 per month. She has my dad’s social security along with an annuity that pays a very important role in her financial life. But, she is still shy about $4,000 per month and soon the pot will run dry. She did not have long term care insurance, nor a hybrid. This is the point of this writing. There are hybrid annuity and life policies with chronic illness benefit, death benefits, cash values and money back guarantees. But, what they don’t have (in some cases) is a requirement for a medical exam, blood tests, etc. These simplified issue policies are perfect for so many Americans. And, if the chronic illness benefits are not needed, the policy provides a tax free death benefit to the named beneficiaries.

Bottom line, if you are not offering this type of product… give us a call or click to set up an appointment with one of our marketing consultants. You know, this is also a way to create a little bit of loss recovery for the client and the family. We leverage the death benefit to create the legacy funds as well. Let’s talk.