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Life is short... or is it?

3/25/2019

1 Comment

 
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We have all heard the saying, "Life is short".  We all know what that means.  Time flies by, and the years seem to sail by as we age.  When we focus on that, we usually think of things we want to do or accomplish and decide that we had better get on it. 

But, life can be very long.  And, for some, that could become a problem.  Longevity is one of the greatest challenges people have when looking at their retirement income plans.  We might just live longer than the actuarial tables predicted.  This, according to many surveys, is a leading concern for financial professionals when planning for their clients retirement.  

For those in the investment arena, they try to have a good balance of conservative investment, while keeping some equity stocks in the portfolio to preserve the capital growth.  Some pros will use bonds to take care of essential expenses. You know… the home, the loans, the utilities, etc.  But, sometimes life gets in the way.  And, there are some circumstances beyond our control that can derail the plan.  A good example could be geopolitical events that could shatter or upset financial markets. 

So, what about the client that does not want to take any chances?  The one that just wants the guarantee?  Well, the answer is obvious.

Annuities with income options can provide clients with the income that they can never outlive, and peace of mind knowing that they can plan for their lives... no matter how long that they live.  There can be other factors like a chronic illness, or a long term care event.  Well, don't we have those products and riders as well?  Of course we do.

You know, as I have said many times, I am sort of like a financial magician.  "Tell me what you need and when you need it. I will give you the exact amount of money you should deploy in this annuity, and I will make it happen."  What a great profession to be in.  No, we will not be hitting financial home runs when you look at rates of return.  But, our Safe Money Instruments will usually (historically) provide a rate of return that exceeds most other Safe Money Places. 

Keep it simple, explain our products and let people sleep at night.  Because remember, life "could” be very long.


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Until next time… good selling!

Raymond J. Ohlson, CLU, CRC, LACP
​President and CEO of The Ohlson Group
1-877-844-0900
1 Comment
Bob Leone
6/18/2019 10:58:53 am

Ray, excellent article. My wife and I started an agency from scratch in 1973. We were both right out of college and we starved successfully, side by side for a number of years. We were however, persistent. And by our early 30's, were doing ok. At age 38, after selling many people insured products and helping them focus on their retirement, we discovered we had not put a dime away yet for ourselves. We had watched friends do well and do poorly in the market and decided we should stick to annuities. We decided that since we were not going to make double digit returns, we should simply save twice as much as the average person to compensate. And we did. We didn't get new cars or fancy two week vacations, but we did well enough and our retirement accounts grew. We now are pushing 70...she is retired, and I am working part-time and loving it. Our annuities are in the 7 figure range and we have annuitized some and are letting the rest sit and grow for future annuitization or interest earnings. Life is good and our health is fine and we hope for the long life and the security of those annuities...well, that makes for fantastic peace of mind. By the way, the 2nd best thing we ever did is buy a decent long term care policy. If one of us enters a home, we have bought ourselves TIME to change ownership on policies and other things and still avoid the 5 year lookback. Insurance has made our lives financially worry free. Your article nails this down solidly. Thanks. Bob Leone

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