 Boy, is that a good question. You know, it’s a question that isn’t asked of us directly very often. But, when advisors/agents get together, it many times does become a lively discourse. So, what is the answer?
The answers that would be given by many fine IMOs would differ and they are probably offering value. Many times, more value than you think. I also believe that with the coming of the DOL/Fiduciary rule, the IMOs will be working very hard to earn the revenue they desire. But, since I was asked this recently, let me give you an "elevator response" to that question: Our mission at The Ohlson Group is to support and enhance the advisors relationships with their clients. We want to be viewed as the best in class when it comes to the areas of marketing, administrative support, and education. We also assist the professional in "bridging the gap" between traditional branding and digital marketing through the use of our Safe Money Places Agent Network platform. With many of our advisors nearing retirement, we can assist in the systematic and professional transition of their blocks of business to another advisor in a profitable way for all concerned parties. Finally, we want to offer our advisors ideas that will explode in people's minds. I like to use a quote that I have heard several people use but can't find the author: “Never entertain a small idea, as no-one will buy it, including yourself." So, not sure if this answers your question, but we would love for you, in these challenging yet opportunistic times, to give us a shot and find out why agents from coast to coast continue to refer to us as... a different experience. Until next time...good selling!
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 2020 will probably be the year with the most Required Minimum Distributions (RMD's) because 2020 brings about RMD's for the oldest baby boomers born at the beginning of this group in 1946. Many of these "boomers" don't even want the money, but they have to take it. This is not only true for boomers, but for many people that have had to receive this money for years. You see, many of these retirees have that money earmarked to be passed down to others... or to keep in the case of emergencies. So, what to do?
Well, I see so many RMD's coming out of policies. Some say that the average RMD is about $7,500. What a wonderful time for review and show them a couple "RMD Rescue" plans. Here’s an example: A 70 year old female has $7,500 coming out of the qualified plan. We can then place it in a single premium life policy that gives a death benefit of around $13,000. Here we have have almost doubled the amount to be passed down, tax free. We also gave a return of premium so there is no pressure on the client... money is always available. Is it hard to get? Nope! An online app, several questions, underwriting decision in minutes, and the policy is sent in PDF form the next day. The company is rated excellent by AM Best and offers very strong commissions. Come on, you probably owe your client a review. This is a great opportunity for you and your client. And this can be where you will get referred leads. Until next time... good selling! |
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INFORMATION CONCERNING COPYRIGHT INFRINGEMENT CLAIMS
The Ohlson Group, Inc. provides links from its website to various third party sites which may enable you to obtain locations and information outside of The Ohlson Group's control. The Ohlson Group, Inc. neither controls nor endorses such other websites, nor have we reviewed or approved any content appearing on them. The Ohlson Group, Inc. does not assume any responsibility or liability for any materials available at these websites, or for the completeness, availability, accuracy, legality or decency of these sites.
CLAIMS OF COPYRIGHT INFRINGEMENT
The Digital Millennium Copyright Act of 1998, as amended, (the "DMCA") provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that materials we host infringe your copyright, you (or your agent) may send us a notice requesting that we remove the material or block access to it. If you believe in good faith that someone has wrongly filed a notice of copyright infringement against you, the DMCA permits you to send us a counter-notice. Notices and counter-notices must meet the then-current statutory requirements imposed by the DMCA; see http://www.loc.gov/copyright/ for details. Notices and counter-notices should be sent to [email protected]. The Ohlson Group, Inc., (877) 844-0900. We suggest that you consult your legal advisor before filing a notice or counter-notice. Also, please be aware that there are penalties for false claims under the DMCA.
The Ohlson Group Inc, and or Joseph R. Ohlson LUTCF is licensed to do business in all states except New York.
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