Show:
Uncovering the Need
It's All About Life Insurance
Annuities, Annuities, Annuities!
Streamlined Implementation and Presentation
Just Because
100
This type of policy may be the best option if a couple wanted to be both listed on a policy and have the same legacy goal with regard to leaving money to a beneficiary
What is Survivorship Life Insurance?
100
This is the number of different policy options we offer in our Intelligent Life suite of services
What is 4?
100
SPIA is an acronym for
What is Single Premium Immediate Annuity?
100
The appropriate turnaround time to expect an illustration after correctly submitting a request
What is 24-48 hours?
100
The formula for calculating sales credit for new Universal Life Insurance policies
What is First Year Premium + 10 X 7 pay amount?
200
This may be a good investment strategy for a client that feels that long term care insurance is too expensive to purchase at their age and is looking for an alternative to self-fund the possible expense
What is Universal Life Insurance?
200
Our ability to match 1% of a policy holder’s death benefit on all insurance policies to the charity of their choice
What is the Institutional Charitable Benefit Rider?
200
The name for our Fixed Term Deposit annuities currently offered
What is Investment Horizon Annuity?
200
The first step in initiating the process for issuing a possible life insurance policy after it has been presented to the client is taking an application. This is how the application is usually taken
What is by telephone?
200
The current interest crediting rate for Intelligent Universal Life Cash Value
What is 4.75%
300
This product makes most sense if there is a possibility that the client will need additional income in their lifetime but prefers continued tax-deferred growth until they do, they would like additional exposure to TIAA real estate, but is in poor health.
What is After Tax Retirement Annuity?
300
Policy loans are tax free as long as the policy remains in force and is not considered this type of contract
What is a modified endowment contract (MEC)?
300
The name used by our annuity team for an internal document that compares a client’s existing non-qualified annuity with our Intelligent VA
What is a "rescue report"?
300
This is the name of the inbox where you should send all inquiries regarding the status of a submitted life insurance opportunity
What is WM Insurance Status?
300
This tax form may be used to quickly identify tax inefficiencies in existing Non-Qualified portfolios of external carriers
What is tax form 1040?
400
This is a term used when a client no longer needs the income of a Non Qualified annuity and wants to optimize the tax efficiency of passing proceeds to their heirs without being required to take income at age 90
What is Annuity Maximization?
400
Out of 51 sub-account options, this is the number of Intelligent Life Variable Universal Life and Intelligent Variable Annuity sub-accounts which have received a 5 star overall rating from Morningstar
What are 16 sub-accounts?
400
The term for a floor amount available for an IVA owner to elect that would be transferred to a beneficiary
What is Guaranteed Minimum Death Benefit?
400
When sending a detailed email to either Kevin Antol or Christine Shippey, this document serves as a guideline for all criteria which should be included
What is a Life Insurance Illustration Request Template?
400
This advisor received the highest amount in credit via life insurance and ATAs in 2013 combined
Who is Mike Despirito?
500
This vehicle is useful for a client who would like to leave money to their only child (preferably through life insurance) but does not want the inheritance to be a part of their estate.
What is an Irrevocable Life Insurance Trust?
500
This type of endorsement is automatically included in your policy unless you decline it and it guarantees your policy will not lapse should you have an outstanding loan balance that exceeds the value of your policy
What is an overloan protection endorsement?
500
Contributions to Non Qualified Annuities are not subject to the same limits as to IRAs. This is the amount we may contractually limit contributions to in any calendar year
What is $1 million?
500
Outside of a lump sum vs annual premium illustration, these are the two most common types of illustrations which may be presented to a client
What is max cash surrender value and max death benefit?
500
Prior to our Intelligent Life suite of services we had Flexible Premium Universal Life Policies. This was the highest interest rate credited since inception
What is 7%?