Erscheinungsdatum: 02/2010, Medium: Taschenbuch, Einband: Kartoniert / Broschiert, Titel: Primerica Financial Services, Titelzusatz: Word- of- Mouth, Gwinnett County, Georgia, Series 6, FINRA, Long- Term care Insurance, Variable Annuity, Credit Monitoring, Redaktion: Surhone, Lambert M. // Timpledon, Miriam T. // Marseken, Susan F., Verlag: Betascript Publishers, Sprache: Englisch, Rubrik: Wirtschaft // Sonstiges, Seiten: 84, Informationen: Paperback, Gewicht: 142 gr, Verkäufer: averdo
Erscheinungsdatum: 01/2010, Medium: Taschenbuch, Einband: Kartoniert / Broschiert, Titel: Schuette-Nesbitt Formula, Titelzusatz: Schuette-Nesbitt Formula, Probability Theory, Inclusion-exclusion Principle, Cecil J. Nesbitt, Actuarial Science, Net Premium Valuation, Life Annuity, Life Insurance, Redaktion: Surhone, Lambert M. // Timpledon, Miriam T. // Marseken, Susan F., Verlag: Betascript Publishers, Sprache: Englisch, Rubrik: Mathematik // Sonstiges, Seiten: 64, Informationen: Paperback, Gewicht: 112 gr, Verkäufer: averdo
Do you ever wonder how some people sell annuities like hot cakes, and yet you haven't sold a single annuity in over a year? Not everyone starts out know the tips and hints to take them to the top of annuity sales. This audiobook might be helpful on your journey selling insurance. Selling annuities isn't like selling life insurance. It takes a slightly different approach, and this audiobook will give you something to think about next time you are prospecting for annuities. I've included some strategies, some prospecting ideas, and some overall helpful hints. 1. Language: English. Narrator: Joe Wosik. Audio sample: http://samples.audible.de/bk/acx0/112198/bk_acx0_112198_sample.mp3. Digital audiobook in aax.
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The aim of this work is to investigate an individual''s optimal life cycle behaviour, with particular reference to financial decisions made over time. How should one consume, save, invest, insure and annuitise over one''s life? In chapter 3 we implement a model of lifetime personal financial planning. By simulating this theoretical model oflifetime personal financial planning we are able toquantitatively assess popular financial advice. We examine age-phasing as well as a traditional rule of thumb for life insurance purchase. Our modelling also sheds light on the reasons for the thinness of voluntary life annuity markets worldwide. Chapter 4 extends the model, examining the implications for individual optimal behaviour if either borrowing is constrained, no annuity market exists, or mean reversion and persistence are present in equity returns. Chapter 5 considers the important question of determining optimal consumption, investment and life insurance/annuity demand over the life cycle in an environment where labour income is no longer deterministic but stochastic.
High Quality Content by WIKIPEDIA articles! In general, a pension is an arrangement to provide people with an income when they are no longer earning a regular income from employment. It is a tax deferred savings vehicle that allows for the tax-free accumulation of a fund for later use as a retirement income. Pensions should not be confused with severance packages, the former is paid in regular installments, while the latter is paid in one lump sum. The terms retirement plan or superannuation refer to a pension granted upon retirement. Retirement plans may be set up by employers, insurance companies, the government or other institutions such as employer associations or trade unions. Called retirement plans in the USA, they are more commonly known as pension schemes in the UK and Ireland and superannuation plans in Australia and Trinidad and Tobago Police Service. Retirement pensions are typically in the form of a guaranteed life annuity, thus insuring against the risk of longevity.
Do your clients have any idea of what they can/should spend in retirement? Do they know what they need to do to optimize their retirement spending? How can you protect a spouse from the drop in social security if a client dies early? Why is it likely that buying insurance or buying a fixed annuity can dramatically increase the level of your client's spending-even if your customer is already retired? What if you could show your client exactly what the impact would be and at what level they would need to buy to achieve a certain level of spending? How can buying a fixed annuity be a hedge against term life expiration and what level is required? When should your client start taking social security? What can your client spend now and how much can that improve if they purchase insurance or an annuity from you? All these questions and more are answered in this book and in the free software that accompanies this book. The software, though more complex than most end users would care to learn, offers you the opportunity to load in customer financial data and give them results that will calculate various options. The amazing and counter-intuitive part is that it is highly likely that most individuals can see their monthly spending capability go up dramatically by buying insurance and/or buying a fixed annuity and the software enables you to zero in on the desired level. Even though life insurance is an old, established financial product, and annuities are even older, there is one enormous market that has been overlooked: the market for additional retirement funds for a surviving spouse and replacement of Social Security payments that are lost after the death of a spouse. This book explains how to address this market, and includes instructions and a license for software that illustrates how insurance and annuities can increase sustainable spending in retirement. Most people have no idea how much they can really spend in retirement. Many are living frugal lives spending their social security while "saving for a rainy day". They buy life insurance in batches of tens thousands of dollars because it sounds good or what they think they can afford. Almost no one would believe that buying "expensive" life insurance after age 60 actually can free them to spend MUCH more on a monthly basis. Furthermore, no one is looking at an optimum return on the investment based on a certain level of potential spending. Until now. This book, and the accompanying software enable you, the life agent, to input the customer data and come up with a plan for your customer and provide proof that the plan will work for them. The book explains what goes into making these calculations, why they work the way they do and gives various case studies that quite often show that buying term insurance or buying an annuity after retirement can be great investments for them. We think your customers will be convinced. There are detailed instructions as to use of the software that accompanies the book with built in case studies that you can use. But even more importantly, you can input a customer's data and provide them with options and actually show them the benefits or give them the solutions that they would otherwise not know exist. These solutions will be invaluable to your business and offer you a distinct advantage over competition that are not selling in this manner.
A tontine may be described as a pooled life annuity. Investors buy shares, and the issuer promises to pay interest on the raised capital. The characteristic feature of tontines is that the annuities of deceased investors are shared by surviving investors. With the death of the last survivor, the issuer's obligation to pay annuities terminates and the issuer has no obligation to pay the raised capital back. Investors may use a tontine as a pension product and the issuer may use it as a means to raise capital. It is generally believed that the Italian Lorenzo Tonti (1602-1684) invented tontines and that he proposed them to Cardinal Mazarin (1602-1661) in 1653.Phillip Hellwege analyses the origins of tontines, their occurrence and their diverse designs in German-speaking territories from the middle of the 17th century to their decline in the late 19th century and early 20th century. Furthermore, he assesses their importance for the development of insurance (law) in Germany.
A tontine may be described as a pooled life annuity. Investors buy shares, and the issuer promises to pay interest on the raised capital. The characteristic feature of tontines is that the annuities of deceased investors are shared by surviving investors. With the death of the last survivor, the issuer's obligation to pay annuities terminates and the issuer has no obligation to pay the raised capital back. Investors may use a tontine as a pension product and the issuer may use it as a means to raise capital. It is generally believed that the Italian Lorenzo Tonti (1602-1684) invented tontines and that he proposed them to Cardinal Mazarin (1602-1661) in 1653.The different authors analyse the origins of tontines, their diverse developments and careers in selected countries, their importance for the development of insurance (law), their decline in the late 19th and early 20th century and their potential as a pension product of the future.