The Hurricane Won't Hit Us

That's what we have said for years. We have had a few close calls regarding storms hitting our home on Hilton Head Island. Well, this time it hit the island head on. This "low country area" (called that due to the fact that we are below sea level) picked up 14 inches of rain and had 110 mile-per-hour wind. Thankfully, we were home in Carmel, Indiana. 
 
Water and electricity was shut off for four days, thousands of 100-year-old oak tress destroyed, docks, piers, stores, homes and boats were splintered and destroyed. The couple that owns the villa next door to us had windows blown out and suffered severe damage. Why them and not us with the damage? I think it all comes down to insurance. Let me continue.
 
No, I am not talking about flood, hurricane or content coverage -  I am speaking of "hurricane windows and sliders." We decided it was time to upgrade to hurricane-proof windows several years ago and had them installed. I hated paying the price (premium) but knew that danger (a claim) might occur and we wanted to be protected. We will be heading down to the island to begin cleanup in the yard and around the villa. But everything is standing and it could have been much worse. So what does this have to do with our business?  Please read on.
 
We have clients that feel as though they want to continue to take big risks with their retirement money and they don't have the financial back-up plan that would allow them to continue to “roll the dice.”  They need an annuity with an income rider.
 
Good times, bad times, storms or sunshine. We provide guaranteed growth and an income they can't out live. What about sickness, home health care, or the nursing home? Of course most clients don’t ever want to believe that this could happen to them. But, a chronic illness “storm” can wipe them out financially. So, no they don't want to pay the premium even though the storm warnings are out there. But, if they are not protected and the financial storm hits, someone else will have to pay for their negligence.
 
So, go out and spread the word. There is a storm brewing somewhere and it could strike at any time. We just don't know when. It is time to speak with them about asset-based annuity and life products with the chronic illness, LTC-like, accelerated benefits. There is no better time to tell our story than after the storm. And our clients all know someone that was unprotected in a financial storm.

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Until next time… good selling!
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Raymond J. Ohlson
Founder & Retired CEO
Ohlson Group
​1-877-844-0900