IUL to the Rescue of Low UL Sales

Red Arrow moves down on a graph

By Cyril Tuohy – InsuranceNewsNet – March 21, 2018

IUL sales kept overall life insurance sales in the black last year, and also appear to be subsidizing insurers with low fixed UL sales: 9 of the top 10 IUL sellers had sales increases in Q4 last year, compared to Q3, said Wink’s. Seven of the top 10 IUL sellers had double-digit increases in Q4 IUL sales compared to Q3. Fourth quarter 2017 IUL sales rose 20% to $575 million compared to Q3; Q4 IUL sales rose 7.6% over Q4 2016. IUL sales in 2017 rose 6% to $1.9 billion over 2016.

Indexed Life Sales by Quarter

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Success and Personal Leadership

The word Leadership on a compassBy Anthony Iannarino – The Sales Blog – March 21, 2018

If you look at the differences between those who’re succeeding and those who’re struggling, you’ll notice that the ones succeeding have a strong sense of personal leadership – they lead themselves. You determine when and how and how diligently you’ll work. You set your own personal standards.

So it’s up to you to hold yourself accountable for results that are greater than others may expect of you. Personal leadership provides you a freedom denied to all those who need someone to manage them because they lack the ability to manage themselves

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3 in 4 Boomers May Delay Retirement

And more than three in 10 have no retirement budget

Clock and Glasses sitting on a desk; Retirement Concept

By Lee Barney – PlanAdviser – March 21, 2018

Seventy-three percent of non-retired Americans 50+ expect to delay their retirement, the non-profit NHP Foundation learned in a survey. Thirty-one percent haven’t prepared a retirement budget. Among those who have tried to figure out a retirement budget, 62% say that Social Security will comprise half or more of their monthly income; 65% have not budgeted for unforeseen health-related expenses.

Among those who have no retirement budget and plan on Social Security to provide half or more of their retirement income, 72% said they haven’t accounted for unforeseen health-related expenses.

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If You Care About Your Clients …

Young Couple Talking with Agent By Anthony Iannarino – The Sales Blog – February 8, 2018

When you engaged with clients, many of them will want you to provide them with a proposal and pricing before you’ve done the work of collaborating with them to identify a solution that works. They’ll want you to make it easy on them and transact, emailing them a proposal and pricing, even when doing so doesn’t serve them. If you care about your clients, you won’t give them what they want, you’ll help them with what they need.

You need the courage to go first. You need the skillful means necessary to address what needs to be addressed. You need to care enough to do what is right, not what is easy.

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Millennials See No Comfortable Retirement

70% believe that, by the age of 80, such a thing will be a thing of the past

Group of young professionals standing in a lobby

By Anthony Iannarino – The Sales Blog – February 8, 2018

Millennials don’t share the confidence of Baby Boomers and Gen Xers that they’ll be financially better off than their parents, a Prudential Financial survey found: 88% of Millennials believe people in their 20s and 30s will need to work much longer than previous generations to retire with the same level of financial security; 70% say that’s because they’re unable to save as much as retirement planning tools recommend

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INFOGRAPHIC

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