RAM Group

Where Successful Agents Find A Home…

 

 

Sales Ideas & Concepts

Important Note: The information in this section is only intended as a general overview and is not intended to provide tax advice. There may be carrier, product or state variations or there may have been changes in the tax law that may affect the information in this section. Please consult a tax-advisor for specific tax advice. Also, please consult RAM Group and the specific carrier for specific product and state variations.

 

Table of Contents (You will need Adobe Acrobat Reader V5.0 or newer to view)

*    General Financial Related Subjects

*    Life Insurance

*   Annuities

*    Disability Income

*    Long Term Care

*    Advanced Markets

*    Wealth Transfer

*    Impaired Risk Life

 

 

 

 

General Financial Related Subjects

*      RAM Group Truisms

*      Fact Finding Techniques To Help Increase Sales

*      How To Talk To Your Doctor

*      Job Changes Have Financial Implications

*      Protecting Loved Ones From Financial Abuse

 

 

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Life Insurance

*      Selling Life Insurance in a MultiLine Agency

*      My Stocks & the VUL Conundrum

*      Trillion Dollar Baby

*      Field Underwriting Guide

*      Ideas For Sales Professionals

 

 

 

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Annuities

*      Annuity Approach Phrases

*      Annuity Power Phrases

*      CD Alternative (Asset Transfer)

*      Combo or Split Annuity Concept

*       Conway-vs-Commissioner: Partial 1035 Exchanges

*       Lifetime Income Solutions (LIS)

*      Monthly Cap “Baseball”

*      Planning Concepts For Non-Qualified Money

*      Planning Concepts For IRA’s

*      Saving Taxes on Social Security Benefits

*      (SPIA) Immediate Annuity Ideas & Situations

*       Introduce your clients to the Consumer Annuity

 

 

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Disability Income

*       Disability Income Glossary

*       What is Disability Income Insurance?

*       What are the chances you will need DI?

*       Comparing DI plans

*       Do You Own Half of a Health Insurance Plan?

 

 

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Long Term Care

*       Triangle Concept For Funding Long Term Care

*       An Alternative Solution to Long Term Care

 

 

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Advanced Markets

*       Premium Financing

*       Qualified Retirement Plans Under IRC 412(i) (aka 412(i)’s)

*       Lifetime Income Solutions (LIS)

*       Executive Bonus Plan

 

 

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Wealth Transfer

*       Wealth Transfer Overview, Case Studies & Script

*       Wealth Transfer For Middle Income Retirees

 

 

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Impaired Risk Life

*       Medication Quick Reference Guide

*       Do your impaired risk clients pay too much for life insurance

*       Do your impaired underwriting online

 

 

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