Potent Products
If you get hurt and have to miss work, it won't hurt as much financially to miss work if you have this
Disability Insurance
(I stole this from an Aflac commercial)
The Rock, this is the company that Justin represents?
Prudential
The monthly or annual amount that you pay for your life insurance is called
Premium
Justin just celebrated his work anniversary. How many years has he been serving his clients?
Justin's Fortnite-loving 11-year-old boy is named?
Timmy
This product allows your family to use tax-free discounted dollars to pay your estate taxes
Life insurance
This company's mascot is the famous dog from the Peanuts comic strip.
MetLife
Insurance that protects a goal with an end date, like paying a mortgage or raising children is called....
Term insurance. It's most commonly issued in 10, 15, 20 and 30 year flavors.
The other main type of insurance is permanent insurance. It can come in variations like universal, whole life or variable life.
Financial Services is Justin's 2nd Career. What was his first?
Software Engineering / Video Game Design
Justin's birthday is on this popular holiday?
Halloween!
Saving into this type of retirement account allows you tax-free growth forever for your golden years
Roth IRA
This company "shocked" investors by cutting its quarterly dividend from 24c a share all the way down to a single penny
General Electric
Justin recommends that his clients have how many years of their current annual income in life insurance protection?
10-15x annual income. The need level typically trails off as we get older, but I recommend 15x for clients in their 20s and 30s, since they have the largest potential to increase their income and the longest time period to protect!
A 30 year old making $70k a year usually needs about $1m in death benefit to be adequately covered.
How much money do Justin's clients trust him with, personally?
a) $960 million
b) $89.2 million
c) $7.7 million
d) $14.1 million
D. $14.1 million.
Justin currently manages over $14m of his clients assets in a number of different investment vehicles.
Justin and his boy can often be spotted high above hockey games at Agganis Arena on the campus of which university?
Boston University
This type of insurance keeps you from losing your shirt (and your house!) if you or your spouse need assistance with your daily living activities like dressing, feeding yourself or bathing yourself.
LTC: Long Term Care insurance
Founded by Bill Gates in 1975, this company was Justin's first corporate home.
Microsoft Corporation
What will that healthy 30 year old pay for about $1m in coverage for a 20 year term period?
A. $68/mo
B. $168/mo
C. $268/mo
A. $68/mo. That's about 2 bucks a day, or half the price of a morning grande mocha latte with soy milk, extra hot with 2 pumps of vanilla (or so I've heard).
Don't even get me started on the late morning latte, the afternoon latte, and the after work latte.
What does it cost for a review of your insurance and investment portfolio with Justin?
It's FREE! Why haven't you done it already?
Justin's is often seen with a lovely lady by his side. What's her name?
Victoria
This is a product that provides a guaranteed monthly paycheck from your savings for the rest of your life, even if you run out of money in your accounts!
Annuity
Launched as an online bookstore in 1994, this company is now one of the world's most valuable
Amazon
Back in 2000, the Society of Actuaries (Yes, that's a Thing) used life expectancy tables that only went to age 100. Today, it's estimated that 0.5% of the population lives past 100, so what did SoA change their top age on their life expectancy tables to?
120! No one has lived this far yet. Good news, on most life policies, your company usually won't expect you to pay premiums past 100. Centenarians, celebrate!
How many times was Justin named Life Insurance Rep of the Year by the Greater New England Financial Group?
Twice! In 2010 and 2012. But he's been Top 10 in Life and Retirement Investment Assets 5 other times!
Justin's secret desire is to own one of these machines?
Pinball