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<title>Bill Broich - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Bill_Broich</link>
<pubDate>Tue, 14 Feb 2012 16:16:45 -0600</pubDate>
<image><title>Bill Broich - EzineArticles Expert Author</title>
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<copyright>Copyright 2012 EzineArticles.com - All Rights Reserved.</copyright>
<description><![CDATA[Bill Broich is an annuity saleman who specializes in annuity marketing, both online and offline.  He's well known in the industry for record-breaking sales. His nickname is the 89 million dollar man.]]></description>
<lastBuildDate>Tue, 15 Jun 2010 21:07:30 -0500</lastBuildDate>
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<item>
<title>The Importance of Qualified Annuity Leads</title>
<link>http://EzineArticles.com/4488662</link>
<guid>http://EzineArticles.com/4488662</guid>
<pubDate>Tue, 15 Jun 2010 21:07:30 -0500</pubDate>
<description><![CDATA[As a person looking to profit from the annuity business, you must realize the importance of leads. The fact of the matter is that no annuity business can be successful without generating leads. There are basically two types of annuity prospects that you can get: raw annuity leads and qualified annuity leads.]]></description>
</item>
<item>
<title>3 Tips For Annuity Lead Generation</title>
<link>http://EzineArticles.com/4451832</link>
<guid>http://EzineArticles.com/4451832</guid>
<pubDate>Wed, 09 Jun 2010 16:47:40 -0500</pubDate>
<description><![CDATA[Annuity lead generation is simple if you're willing to invest in your prospecting. Here are three simple tips you need to know about annuity lead generation.]]></description>
</item>
<item>
<title>The Top 10 Retirement Planning Mistakes and How to Avoid Them</title>
<link>http://EzineArticles.com/4451818</link>
<guid>http://EzineArticles.com/4451818</guid>
<pubDate>Wed, 09 Jun 2010 16:42:19 -0500</pubDate>
<description><![CDATA[There are many common retirement mistakes people make. Avoid these mistakes and a solid retirement becomes a reality.]]></description>
</item>
<item>
<title>The Case For Annuities - Why They Are So Important</title>
<link>http://EzineArticles.com/4145194</link>
<guid>http://EzineArticles.com/4145194</guid>
<pubDate>Mon, 17 May 2010 08:06:39 -0500</pubDate>
<description><![CDATA[The decision to use of an annuity for your safe secure money can far outweigh any other financial option. Find out why buying bonds may be an error.]]></description>
</item>
<item>
<title>Pros and Cons of Annuities</title>
<link>http://EzineArticles.com/4145747</link>
<guid>http://EzineArticles.com/4145747</guid>
<pubDate>Tue, 20 Apr 2010 15:38:04 -0500</pubDate>
<description><![CDATA[When considering annuities as a vehicle for your safe and secure money, several pros and cons likely to become obvious. While annuities may not be for everyone, they can provide benefits not available in any other financial instrument. Here are the pros and cons of considering investing in annuities.]]></description>
</item>
<item>
<title>Transparency As a Marketing Tool For Annuity Sales</title>
<link>http://EzineArticles.com/4145084</link>
<guid>http://EzineArticles.com/4145084</guid>
<pubDate>Tue, 20 Apr 2010 13:45:16 -0500</pubDate>
<description><![CDATA[Help your prospect understand how annuities work and how they can be of benefit by providing the correct questions to ask you. Being transparent allows for a better relationship to be built.]]></description>
</item>
<item>
<title>Common Estate Planning Mistakes and Tips to Avoid Them - Don't Lose Your Assets!</title>
<link>http://EzineArticles.com/3216605</link>
<guid>http://EzineArticles.com/3216605</guid>
<pubDate>Thu, 05 Nov 2009 16:40:19 -0600</pubDate>
<description><![CDATA[Make certain your estate is protected and liability is minimal. Learn these basic steps to be protect your assets and reduce your liability.]]></description>
</item>
<item>
<title>Don't Copy Another Agent's Annuity Marketing Plan - Do it Yourself</title>
<link>http://EzineArticles.com/3133010</link>
<guid>http://EzineArticles.com/3133010</guid>
<pubDate>Wed, 21 Oct 2009 20:31:53 -0500</pubDate>
<description><![CDATA[Make your own annuity marketing plan yours, never copy what another agent is doing. Set your marketing plan by selecting your target market.]]></description>
</item>
<item>
<title>Annuity Lead Generation Needs to Be Multi-Faceted - Don't Make the Mistake of One Step Marketing</title>
<link>http://EzineArticles.com/3132822</link>
<guid>http://EzineArticles.com/3132822</guid>
<pubDate>Wed, 21 Oct 2009 20:19:47 -0500</pubDate>
<description><![CDATA[Marketing for annuity leads should never be one sided nor narrowly focused. Concentrating on just seminars, radio or direct mail as an only source of lead generation is a mistake.]]></description>
</item>
<item>
<title>Timing is the Marketing Key - Make Sure You Understand How Timing Effects Annuity Sales</title>
<link>http://EzineArticles.com/3131061</link>
<guid>http://EzineArticles.com/3131061</guid>
<pubDate>Wed, 21 Oct 2009 13:24:05 -0500</pubDate>
<description><![CDATA[Timing is everything when it comes to marketing. I want to buy a new car but have to wait for a year but in the meantime I visit several cars dealerships. Of course the salesperson does everything possible to sell me a car that day but how many follow up with me and make their services available on a regular basis. My experience has been zero.]]></description>
</item>
<item>
<title>Image Marketing is a Waste of Money - Market to Prospects, Learn How an Annuity Pro Does It</title>
<link>http://EzineArticles.com/3130956</link>
<guid>http://EzineArticles.com/3130956</guid>
<pubDate>Wed, 21 Oct 2009 13:23:47 -0500</pubDate>
<description><![CDATA[Many insurance agents think that image marketing will help build prospects and clients. Nothing could be further from the truth, image marketing does not work unless you have an unlimited budget and even then it is questionable.]]></description>
</item>
<item>
<title>Make Huge Annuity Sales by Setting Your Marketing Plan - Learn How to Target Market</title>
<link>http://EzineArticles.com/3130828</link>
<guid>http://EzineArticles.com/3130828</guid>
<pubDate>Wed, 21 Oct 2009 13:23:30 -0500</pubDate>
<description><![CDATA[Directing your marketing to "everyone" but to "no one" as a target guarantees that your marketing will be ignored. Many insurance agents have failed to determine who their target market is, the demographics of their target market and how to reach them effectively and efficiently. The mistake of not selecting and marketing to a specified target market.]]></description>
</item>
<item>
<title>Be Annuity Marketing Smart - Use Science Instead of Art in Direct Mail</title>
<link>http://EzineArticles.com/3131148</link>
<guid>http://EzineArticles.com/3131148</guid>
<pubDate>Wed, 21 Oct 2009 13:19:14 -0500</pubDate>
<description><![CDATA[Never depend on your "Gut" get verifiable results before investing your marketing money. Science trumps Art in direct mail marketing.]]></description>
</item>
<item>
<title>Which is Better, a Bank CD Or an Insurance Company CD? Use This Quiz to Get Tons of Annuity Sales</title>
<link>http://EzineArticles.com/3130404</link>
<guid>http://EzineArticles.com/3130404</guid>
<pubDate>Wed, 21 Oct 2009 10:52:37 -0500</pubDate>
<description><![CDATA[Use this simple test with your prospects to get more annuity sales. Once they learn the benefits of annuities it is easy.]]></description>
</item>
<item>
<title>The Money Transfer, Get the Money Transferred For a Quick Sale</title>
<link>http://EzineArticles.com/3119035</link>
<guid>http://EzineArticles.com/3119035</guid>
<pubDate>Mon, 19 Oct 2009 17:54:59 -0500</pubDate>
<description><![CDATA[Make sure the money is transferred, no money no sale. Learn the secrets of how to do it.]]></description>
</item>
<item>
<title>The Annuity Product, It's Not Important</title>
<link>http://EzineArticles.com/3119024</link>
<guid>http://EzineArticles.com/3119024</guid>
<pubDate>Mon, 19 Oct 2009 17:54:41 -0500</pubDate>
<description><![CDATA[The actual product is not as important as the need it is fullfilling. Make certain to focus on the need not the product.]]></description>
</item>
<item>
<title>Closing More Annuity Sales Prospects - Keep it Simple Stupid</title>
<link>http://EzineArticles.com/3118951</link>
<guid>http://EzineArticles.com/3118951</guid>
<pubDate>Mon, 19 Oct 2009 17:54:17 -0500</pubDate>
<description><![CDATA[The close is the simplest part of the whole process if you have done one thing. Completed a Fact Finder and understood the feelings of the prospect. The sale is expected once a Fact Finder is completed and the need is understood.]]></description>
</item>
<item>
<title>The Presentation is Important to Making an Annuity Sale - But, it Must Be Simple</title>
<link>http://EzineArticles.com/3118893</link>
<guid>http://EzineArticles.com/3118893</guid>
<pubDate>Mon, 19 Oct 2009 17:53:12 -0500</pubDate>
<description><![CDATA[If you make the presentation complicated, the sale will be lost. Simple sells.]]></description>
</item>
<item>
<title>Find the Need to Generate Annuity Sales, Need Selling Means Annuity Sales</title>
<link>http://EzineArticles.com/3118876</link>
<guid>http://EzineArticles.com/3118876</guid>
<pubDate>Mon, 19 Oct 2009 17:52:50 -0500</pubDate>
<description><![CDATA[The key to annuity selling is understanding the prospect's needs. The sale is the simple part.]]></description>
</item>
<item>
<title>Be Smart, Become a Celebrity, Create Your Own Radio Show, Generate Constant Annuity Lead Flow</title>
<link>http://EzineArticles.com/3118855</link>
<guid>http://EzineArticles.com/3118855</guid>
<pubDate>Mon, 19 Oct 2009 17:52:34 -0500</pubDate>
<description><![CDATA[Get control of your lead generation by becoming a radio celebrity. Outsource to professionals and focus on annuity sales.]]></description>
</item>
<item>
<title>IRA Management - Maximize Your Client's Options and Move That Money and Make That Sale</title>
<link>http://EzineArticles.com/3118836</link>
<guid>http://EzineArticles.com/3118836</guid>
<pubDate>Mon, 19 Oct 2009 17:52:21 -0500</pubDate>
<description><![CDATA[Move your client's 401 (k) money to an IRA and provide more safe and secure benefits. Helping your client helps make a sale for you.]]></description>
</item>
<item>
<title>Fixed Annuity Marketing - Use the Fact Finder to Explode Your Fixed Annuity Sales Leads</title>
<link>http://EzineArticles.com/3092489</link>
<guid>http://EzineArticles.com/3092489</guid>
<pubDate>Wed, 14 Oct 2009 20:53:01 -0500</pubDate>
<description><![CDATA[Selling annuities is about understanding how a prospect feels. Once you understand how a prospect feels you can then decide if your annuity products can provide the desired benefits.]]></description>
</item>
<item>
<title>Creative Marketing Annuities - It's All About the Relationship!</title>
<link>http://EzineArticles.com/3092457</link>
<guid>http://EzineArticles.com/3092457</guid>
<pubDate>Wed, 14 Oct 2009 20:52:40 -0500</pubDate>
<description><![CDATA[The Master's Series: The Relationship. Learn from an annuity professional how to build relationship that turn into sales.]]></description>
</item>
<item>
<title>Discover How to Prospect For Annuity Leads - Super Agent Shows You How!</title>
<link>http://EzineArticles.com/3092446</link>
<guid>http://EzineArticles.com/3092446</guid>
<pubDate>Wed, 14 Oct 2009 20:52:23 -0500</pubDate>
<description><![CDATA[What is a lead really? What guidelines should an agent use to define a reasonable lead? The quality of the lead should be based on two agendas.]]></description>
</item>
<item>
<title>Annuity Seminar Selling is Basic to Success in Annuity Sales</title>
<link>http://EzineArticles.com/3092382</link>
<guid>http://EzineArticles.com/3092382</guid>
<pubDate>Wed, 14 Oct 2009 20:52:03 -0500</pubDate>
<description><![CDATA[Tips for Seminar Annuity Selling Success. Learn how to hedge your bets with seminar marketing.]]></description>
</item>
<item>
<title>Marketing Annuities - How to Fail</title>
<link>http://EzineArticles.com/3092366</link>
<guid>http://EzineArticles.com/3092366</guid>
<pubDate>Wed, 14 Oct 2009 20:50:17 -0500</pubDate>
<description><![CDATA[Are you marketing your annuity business correctly? Or are you failing?]]></description>
</item>
<item>
<title>Annuity Leads, What Really is the Definition?</title>
<link>http://EzineArticles.com/3092347</link>
<guid>http://EzineArticles.com/3092347</guid>
<pubDate>Wed, 14 Oct 2009 20:49:55 -0500</pubDate>
<description><![CDATA[Have you ever asked yourself what really is an annuity lead? An annuity lead is a name of potential buyer that often comes with contact information, income range, age, email address and possibly other basic information.]]></description>
</item>
<item>
<title>Marketing Insurance - Be Tough When Marketing Insurance Products - It's Not That Hard</title>
<link>http://EzineArticles.com/3092321</link>
<guid>http://EzineArticles.com/3092321</guid>
<pubDate>Wed, 14 Oct 2009 20:49:34 -0500</pubDate>
<description><![CDATA[Selling annuities and other insurance products is not that hard as long as you have a system to generate a constant flow of leads. Use an outsource to accomplish your lead generation goals.]]></description>
</item>
<item>
<title>The Investment Pyramid, Think in Reverse</title>
<link>http://EzineArticles.com/2510486</link>
<guid>http://EzineArticles.com/2510486</guid>
<pubDate>Tue, 30 Jun 2009 08:22:35 -0500</pubDate>
<description><![CDATA[When considering risk in your involvements, think about the Investment Pyramid in reverse. Use the available options in annuities to provide financial success. With these available options, accepting additional risk for additional yield may not be necessary.]]></description>
</item>
<item>
<title>Paper Losses, Do They Really Matter?</title>
<link>http://EzineArticles.com/2454902</link>
<guid>http://EzineArticles.com/2454902</guid>
<pubDate>Tue, 09 Jun 2009 14:34:32 -0500</pubDate>
<description><![CDATA[What happens when your retirement account goes down and your financial planner says, "don't worry, it is only paper losses." Do paper losses matter? Do the losses increase your stress? There might be a better approach.]]></description>
</item>
<item>
<title>Social Security and Selecting Your Retirement Options</title>
<link>http://EzineArticles.com/2434607</link>
<guid>http://EzineArticles.com/2434607</guid>
<pubDate>Thu, 04 Jun 2009 14:56:48 -0500</pubDate>
<description><![CDATA[Make sure you fully understand your options when planning for your social security retirement benefits. Proper use of your options can greatly enhance your retirement income. Your selection of options can help you enjoy retirement more.]]></description>
</item>
<item>
<title>Cash is King, Income is King</title>
<link>http://EzineArticles.com/2434523</link>
<guid>http://EzineArticles.com/2434523</guid>
<pubDate>Thu, 04 Jun 2009 14:22:52 -0500</pubDate>
<description><![CDATA[Cash is not necessarily king when it is needed for retirement, income is king. Consider looking at your retirement funds as monthly income, not as a pile of money.]]></description>
</item>
<item>
<title>Radio - Whose Voice Should it Be?</title>
<link>http://EzineArticles.com/2304639</link>
<guid>http://EzineArticles.com/2304639</guid>
<pubDate>Thu, 07 May 2009 09:08:58 -0500</pubDate>
<description><![CDATA[The idea of using radio as a marketing source for insurance leads is attractive. Not only will having your own radio show make you a local celebrity but it will enhance your prospects view of your stature. Producing radio shows on a regular basis can be time consuming and can require organization that most insurance salespeople can not provide.]]></description>
</item>
<item>
<title>Greed and Fear</title>
<link>http://EzineArticles.com/2285078</link>
<guid>http://EzineArticles.com/2285078</guid>
<pubDate>Wed, 29 Apr 2009 16:29:57 -0500</pubDate>
<description><![CDATA[By definition, these two words are very different. Fear is defined as be afraid or feel anxious or apprehensive about a possible or probable situation or event. Greed on the other hand has this definition: immoderately desirous of acquiring wealth.]]></description>
</item>
<item>
<title>Radio - It Has History, History of Success - Use it to Sell Annuities</title>
<link>http://EzineArticles.com/2207168</link>
<guid>http://EzineArticles.com/2207168</guid>
<pubDate>Fri, 17 Apr 2009 16:50:06 -0500</pubDate>
<description><![CDATA[I am not talking radio advertising, those 30 second SoundBits that are sandwiched in between music plays. I am talking about your own radio program and actually being on the radio. Does it sound difficult and away from your personal business experiences? It certainly is that! ]]></description>
</item>
<item>
<title>Annuity Leads From the Internet - Good Or Bad?</title>
<link>http://EzineArticles.com/2234944</link>
<guid>http://EzineArticles.com/2234944</guid>
<pubDate>Fri, 17 Apr 2009 13:01:36 -0500</pubDate>
<description><![CDATA[Should you buy annuity internet leads?  If you do make sure you follow the rules to protect yourself and to find the right prospects.]]></description>
</item>
<item>
<title>Is Stock Market Volatility a Concern For You? Eliminate Worry With Proper Selection of Time Horizons</title>
<link>http://EzineArticles.com/1941400</link>
<guid>http://EzineArticles.com/1941400</guid>
<pubDate>Mon, 02 Feb 2009 07:37:46 -0600</pubDate>
<description><![CDATA[Concerned about market volatility? Those concerns could be connected to your time horizons. Saving for your retirement is one of the most important things you will attempt to do in your working life.]]></description>
</item>
<item>
<title>Understand How Bonds Are Rated and Their Default Rate to Attract Prospects and Referrals</title>
<link>http://EzineArticles.com/1920026</link>
<guid>http://EzineArticles.com/1920026</guid>
<pubDate>Fri, 30 Jan 2009 10:57:46 -0600</pubDate>
<description><![CDATA[Understanding Bonds will allow you to provide basic information to your annuity prospects. Information that can mean annuity sales.]]></description>
</item>
<item>
<title>Internet Annuity Sales Leads</title>
<link>http://EzineArticles.com/1933338</link>
<guid>http://EzineArticles.com/1933338</guid>
<pubDate>Thu, 29 Jan 2009 07:27:23 -0600</pubDate>
<description><![CDATA[Just what are internet annuity leads and how do you properly work them? This article will answer that question.]]></description>
</item>
<item>
<title>The Safety Nets Are in Place - Sleep Well Tonight</title>
<link>http://EzineArticles.com/1923791</link>
<guid>http://EzineArticles.com/1923791</guid>
<pubDate>Mon, 26 Jan 2009 13:49:41 -0600</pubDate>
<description><![CDATA[The stock market is out of control. The CEOs salaries are out of control. The hedge funds are losing money.]]></description>
</item>
<item>
<title>Invest in Your Annuity Business by Asking Yourself These Questions</title>
<link>http://EzineArticles.com/1923626</link>
<guid>http://EzineArticles.com/1923626</guid>
<pubDate>Mon, 26 Jan 2009 13:27:56 -0600</pubDate>
<description><![CDATA[I am sure you have heard this advice before, invest in your business. There are numerous ways to do this, such as staff, an office, marketing, advertising and much more. Most annuity salespeople don't invest in their business. Instead, many prefer to look for the next deal or the next shortcut to a sale.]]></description>
</item>
<item>
<title>Set Your Own Rules When Dealing With Annuity Prospects</title>
<link>http://EzineArticles.com/1923528</link>
<guid>http://EzineArticles.com/1923528</guid>
<pubDate>Mon, 26 Jan 2009 13:00:42 -0600</pubDate>
<description><![CDATA[Sometimes you just feel that way when you talk to a prospect don't you. I decided a long time ago that I was going to set rules for how I did business and with whom I chose to do business. It has worked for me and if you do the same, I think you would benefit greatly.]]></description>
</item>
<item>
<title>Use the &quot;Back Door Escape Hatch&quot; to Compare Bond and Annuity Benefits</title>
<link>http://EzineArticles.com/1920045</link>
<guid>http://EzineArticles.com/1920045</guid>
<pubDate>Mon, 26 Jan 2009 09:16:16 -0600</pubDate>
<description><![CDATA[Understanding the "Call" date on bonds can help you sell the benefits of annuities. Learn the "Back Door Escape Hatch" to sell annuities to your clients and prospects.]]></description>
</item>
<item>
<title>This Simple and Effective Insurance Public Relations - Build Your Business</title>
<link>http://EzineArticles.com/1920016</link>
<guid>http://EzineArticles.com/1920016</guid>
<pubDate>Mon, 26 Jan 2009 09:15:23 -0600</pubDate>
<description><![CDATA[Want cheap, often free publicity? Write a press release! A press release should have information worth getting out to the public, but let's not kid ourselves - a press release is basically an elaborate advertisement for your business camouflaged as news.]]></description>
</item>
<item>
<title>How Bonds Can Help Our Annuity Sales - Learn These Points and Become Informed</title>
<link>http://EzineArticles.com/1920051</link>
<guid>http://EzineArticles.com/1920051</guid>
<pubDate>Mon, 26 Jan 2009 09:11:53 -0600</pubDate>
<description><![CDATA[Understanding bonds and how they work CNA increase annuity sales. Being informed about bonds will provide annuity sales to both clients and prospects.]]></description>
</item>
<item>
<title>A Unique Option For Your IRA Or 401(K) - Run to Safety and Security</title>
<link>http://EzineArticles.com/1910032</link>
<guid>http://EzineArticles.com/1910032</guid>
<pubDate>Thu, 22 Jan 2009 11:13:08 -0600</pubDate>
<description><![CDATA[Gain and Retain, now that is an interesting investment option. How would you like to have the option of only gaining and never losing money? It's not every day that you find the opportunity for potential growth with true safety in the same financial vehicle.]]></description>
</item>
<item>
<title>Use the IRS Section 1035 to Find the Highest Yield For Your Annuity</title>
<link>http://EzineArticles.com/1906557</link>
<guid>http://EzineArticles.com/1906557</guid>
<pubDate>Wed, 21 Jan 2009 15:12:11 -0600</pubDate>
<description><![CDATA[The popularity of tax deferred annuities has increased since the 1970's into a natural choice for safe money alternatives for many Americans. The primary reason is the lack of exposure to risk and the contractual guarantees provided by these products.]]></description>
</item>
<item>
<title>Use This Secret to Gain Leads and Referrals to Help Sell Annuities - Celebrity</title>
<link>http://EzineArticles.com/1906448</link>
<guid>http://EzineArticles.com/1906448</guid>
<pubDate>Wed, 21 Jan 2009 14:29:23 -0600</pubDate>
<description><![CDATA[Celebrity: Use this concept to gain respect, leads and referrals. Become an author.]]></description>
</item>
<item>
<title>Here is a Fresh Sales Idea Regarding Stretch IRAs - Rename Them</title>
<link>http://EzineArticles.com/1898993</link>
<guid>http://EzineArticles.com/1898993</guid>
<pubDate>Tue, 20 Jan 2009 08:25:23 -0600</pubDate>
<description><![CDATA[Numerous options are available when using an IRA in an estate planning situation. Often the process can be overwhelming and difficult to understand. I like to use simple terms in relating with my prospects and it seems to make sense to most people.]]></description>
</item>
<item>
<title>Become an Author to Prospect For Easy Annuity Leads - Easy and Effective</title>
<link>http://EzineArticles.com/1898978</link>
<guid>http://EzineArticles.com/1898978</guid>
<pubDate>Tue, 20 Jan 2009 08:24:48 -0600</pubDate>
<description><![CDATA[Why not write a book? When you think about it, it really isn't that hard to do. What is hard to do is sell a book, so don't sell it, give it away!]]></description>
</item>
<item>
<title>Think of Golf to Better Understand Bonds</title>
<link>http://EzineArticles.com/1898952</link>
<guid>http://EzineArticles.com/1898952</guid>
<pubDate>Tue, 20 Jan 2009 08:23:52 -0600</pubDate>
<description><![CDATA[Using Golf as an Example, to easily understand how bonds work. This method will remove the myth about how bonds work and how they can be used in your financial planning. The terms in golf are fully related to bonds. Have a look.]]></description>
</item>
<item>
<title>Gain Or Retain to Stop Losses in Your IRA</title>
<link>http://EzineArticles.com/1839048</link>
<guid>http://EzineArticles.com/1839048</guid>
<pubDate>Mon, 05 Jan 2009 08:30:43 -0600</pubDate>
<description><![CDATA[If you have experienced losses in your IRA and are worried about your future retirement options, answer a few questions to determine if the "Gain or Retain" system is for you. Consider these questions regarding your IRA and other retirement funds.]]></description>
</item>
<item>
<title>A Physicians Career and Protecting Your Retirement Funds With Equity Indexed Annuities</title>
<link>http://EzineArticles.com/1700307</link>
<guid>http://EzineArticles.com/1700307</guid>
<pubDate>Wed, 19 Nov 2008 14:59:15 -0600</pubDate>
<description><![CDATA[Want a sure fire way to never lose one dime of your retirement savings? By the time you're finished reading this article you will know how to make investments without any risk.]]></description>
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<item>
<title>Is a Recession Really All That Bad? Is There a Positive Side? Could it Be Good?</title>
<link>http://EzineArticles.com/1700353</link>
<guid>http://EzineArticles.com/1700353</guid>
<pubDate>Wed, 19 Nov 2008 14:45:14 -0600</pubDate>
<description><![CDATA[I didn't live during the last depression, but my parents did. Their stories about how tough it was were vivid and descriptive of a time long ago. We have been told by financial officials and the government that another depression of their magnitude was not possible because of safeguards and oversight.]]></description>
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<item>
<title>Sledding Through the Snow and Avoiding the Money Risks</title>
<link>http://EzineArticles.com/1699278</link>
<guid>http://EzineArticles.com/1699278</guid>
<pubDate>Wed, 19 Nov 2008 13:08:45 -0600</pubDate>
<description><![CDATA[Investing at age thirty is different than at age sixty. As you get older you should take less risk with your money.]]></description>
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<item>
<title>Is Your Bank Safe - Does Size Matter?</title>
<link>http://EzineArticles.com/1591632</link>
<guid>http://EzineArticles.com/1591632</guid>
<pubDate>Mon, 20 Oct 2008 11:14:52 -0500</pubDate>
<description><![CDATA[With the failure of several large banks in this country, concern over the banking industry is merited. Since size doesn't seem to be an issue, both small and large banks cannot be immune from the possibility of failure. Fortunately we have safeguards in place to protect and insure funds on deposit.]]></description>
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<item>
<title>The Current Financial Crisis and How Annuities Are Affected</title>
<link>http://EzineArticles.com/1590119</link>
<guid>http://EzineArticles.com/1590119</guid>
<pubDate>Mon, 20 Oct 2008 08:58:03 -0500</pubDate>
<description><![CDATA[mortgages provided for non-qualified applicants and runaway property values. The assumption was that real estate would continue to rise and equity would be gained in home ownership. Once the melt down started, many people were left with homes that they could not afford (and never should have qualified for) and simply went into default.]]></description>
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<item>
<title>Want To Get Paid In 7 To 9 Days On Qualified Money Transfers?</title>
<link>http://EzineArticles.com/1177103</link>
<guid>http://EzineArticles.com/1177103</guid>
<pubDate>Sat, 17 May 2008 17:38:28 -0500</pubDate>
<description><![CDATA[Earning compensation is an important part of selling annuities, it is how we pay our bills and continue on with our journey. Here's a tip for getting compensated in seven days.]]></description>
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<item>
<title>This Is Guaranteed To Increase Your Annuity Sales - Give It To Get It</title>
<link>http://EzineArticles.com/1177094</link>
<guid>http://EzineArticles.com/1177094</guid>
<pubDate>Sat, 17 May 2008 17:37:35 -0500</pubDate>
<description><![CDATA[Learn to give to get. An unusual secret to help you sell more annuities.]]></description>
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<item>
<title>Annuity Marketing Systems - Use Medical Declines To Sell More Annuities</title>
<link>http://EzineArticles.com/1177089</link>
<guid>http://EzineArticles.com/1177089</guid>
<pubDate>Sat, 17 May 2008 17:36:53 -0500</pubDate>
<description><![CDATA[This annuity marketing tip really works and will give you tons of prospects and the marketing work is done for you. This is a built in sale with people who really want you to see them. Here is what you do.]]></description>
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<item>
<title>Annuity Marketing Advice - Taxes Can Be Imposed On Certain Immediate Annuities - Look At The Liabili</title>
<link>http://EzineArticles.com/1177055</link>
<guid>http://EzineArticles.com/1177055</guid>
<pubDate>Sat, 17 May 2008 17:35:41 -0500</pubDate>
<description><![CDATA[This annuity marketing advice might allow you to sell a tax deferred annuity and remove the interest instead of providing your prospect with an immediate annuity.  California has tax laws that require immediate annuity payouts to be taxed. Naturally California would be the one to figure out how to squeeze all the available tax dollars.]]></description>
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<item>
<title>Notice To Insurance Agents - Keep It Simple When Selling Equity Linked Indexed Annuities</title>
<link>http://EzineArticles.com/1177038</link>
<guid>http://EzineArticles.com/1177038</guid>
<pubDate>Sat, 17 May 2008 17:34:34 -0500</pubDate>
<description><![CDATA[Indexed annuities can be hard to explain to prospects. Keep it simple and be upfront about the annuity products you are selling.]]></description>
</item>
<item>
<title>Annuity Marketing Tip - Using Natalie Wood to Explain an Annuity Benefit</title>
<link>http://EzineArticles.com/1171263</link>
<guid>http://EzineArticles.com/1171263</guid>
<pubDate>Wed, 14 May 2008 14:37:13 -0500</pubDate>
<description><![CDATA[Here is a little story I throw in sometimes when explaining the benefits of annuities. As I go down the list of benefits and come to the "Probate Avoidance" issue these contracts provide I will often stop and say this...]]></description>
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<item>
<title>How To Sell Annuities - Learn to Understand Your Prospect</title>
<link>http://EzineArticles.com/1171076</link>
<guid>http://EzineArticles.com/1171076</guid>
<pubDate>Wed, 14 May 2008 13:33:11 -0500</pubDate>
<description><![CDATA[Want to learn how to sell annuities? Follow this simple advice to find more success selling annuities.]]></description>
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<item>
<title>Earn Higher Compensation Using This Approach to Immediate Annuities</title>
<link>http://EzineArticles.com/1158945</link>
<guid>http://EzineArticles.com/1158945</guid>
<pubDate>Thu, 08 May 2008 15:15:45 -0500</pubDate>
<description><![CDATA[Do you sell immediate annuities? If not,is it because the commissions are so low? I don't sell them for that reason and yet I have a system for making the prospect happy and not taking a reduction in compensation.]]></description>
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<item>
<title>Help Annuity Prospects Perform Due Diligence - Everyone Should Be Informed</title>
<link>http://EzineArticles.com/1158917</link>
<guid>http://EzineArticles.com/1158917</guid>
<pubDate>Thu, 08 May 2008 15:15:19 -0500</pubDate>
<description><![CDATA[As consumers our prospects should always know who they do business with. It makes no difference if it is you the agent or their favorite stockbroker. We can help our prospects by accessing information free and fully available to anyone by using this system.]]></description>
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<item>
<title>Use Time Horizons to Position Prospect's Thinking About Annuities</title>
<link>http://EzineArticles.com/1158905</link>
<guid>http://EzineArticles.com/1158905</guid>
<pubDate>Thu, 08 May 2008 15:14:38 -0500</pubDate>
<description><![CDATA[Probably the very biggest error that is made with financial planning by people is the mistake regarding "time horizons." By definition a time horizon when speaking of financial uses is the length of time a sum of money is expected to be invested. If our time horizon is next year then options are less and if our time horizons are further, options increase.]]></description>
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<item>
<title>Sell Annuity Tax Deferral This Way - Your Prospects Will Understand and They Will Buy</title>
<link>http://EzineArticles.com/1158889</link>
<guid>http://EzineArticles.com/1158889</guid>
<pubDate>Thu, 08 May 2008 15:14:01 -0500</pubDate>
<description><![CDATA[Selling the power of tax deferral is not a new concept. But how you say it can make the difference between a sale and no sale.]]></description>
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<item>
<title>Will Rogers - The Best Friend You Can Have in the Annuity Marketing Business</title>
<link>http://EzineArticles.com/1158853</link>
<guid>http://EzineArticles.com/1158853</guid>
<pubDate>Thu, 08 May 2008 15:12:46 -0500</pubDate>
<description><![CDATA[Will Rogers, know the name? If you don't, you better get with it! Our target age market certainly does and they relate to Will Rogers.]]></description>
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<item>
<title>Protect Your Income From Social Security Mistakes</title>
<link>http://EzineArticles.com/1085417</link>
<guid>http://EzineArticles.com/1085417</guid>
<pubDate>Thu, 03 Apr 2008 16:16:01 -0500</pubDate>
<description><![CDATA[Everyone makes mistakes and the Social Security Administration is not exempt. If you are relying on social security as a portion of your retirement income it is important you make sure your income is at the level it is supposed to be. It is a financial calculation and if a mistake is made it could affect your income.]]></description>
</item>
<item>
<title>Frequently Asked Questions About Reverse Mortgages - Is a Reverse Mortgage For You?</title>
<link>http://EzineArticles.com/1070710</link>
<guid>http://EzineArticles.com/1070710</guid>
<pubDate>Fri, 28 Mar 2008 11:02:15 -0500</pubDate>
<description><![CDATA[Reverse mortgages are new to most people and the concept can be confusing. Here are some commonly asked questions. When I obtain a Reverse Mortgage, am I deeding my home to the Government?]]></description>
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<item>
<title>Reverse Mortgage Information</title>
<link>http://EzineArticles.com/1070597</link>
<guid>http://EzineArticles.com/1070597</guid>
<pubDate>Fri, 28 Mar 2008 11:01:11 -0500</pubDate>
<description><![CDATA[Reverse Mortgages have many advantages that can directly affect the borrower's life. These advantages are listed in a manner to illustrate them but that doesn't necessarily mean they are for every person. The real advantages of Reverse Mortgages is how they can be used to affect your life whether it is reduction in cash flow demands or the use of extra money to fund a retirement.]]></description>
</item>
<item>
<title>Don't Get Stuck With Low Annuity Rates - Fight Back</title>
<link>http://EzineArticles.com/934348</link>
<guid>http://EzineArticles.com/934348</guid>
<pubDate>Fri, 18 Jan 2008 15:36:59 -0600</pubDate>
<description><![CDATA[Things change constantly and with longer help assets like annuities it is easy to earn less than market interest. As consumers we only associate interest as just that, interest. But there is a huge difference between interest earned with insurance company annuities and interest earned at banks.]]></description>
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<item>
<title>Great Benefit for Annuity Owners - Nursing Home Waiver</title>
<link>http://EzineArticles.com/934327</link>
<guid>http://EzineArticles.com/934327</guid>
<pubDate>Fri, 18 Jan 2008 15:36:23 -0600</pubDate>
<description><![CDATA[Annuities have a little known detail in the contract that allows annuity owners to use the funds if they are ever put into a nursing home. The funds can be accessed penalty fee.]]></description>
</item>
<item>
<title>Know the Facts About Fees on Equity Linked Annuities</title>
<link>http://EzineArticles.com/930755</link>
<guid>http://EzineArticles.com/930755</guid>
<pubDate>Wed, 16 Jan 2008 14:10:39 -0600</pubDate>
<description><![CDATA[Does it sound too good to be true! Equity linked indexed annuities offer protection and safety of principal, so ask yourself...How do they do it? It really isn't smoke and mirrors but a very calculated specific product that provides two main ingredients...]]></description>
</item>
<item>
<title>Equity Linked Annuities - Know the Truth</title>
<link>http://EzineArticles.com/930700</link>
<guid>http://EzineArticles.com/930700</guid>
<pubDate>Wed, 16 Jan 2008 14:09:38 -0600</pubDate>
<description><![CDATA[Equity indexed annuities defined. Their pros and cons.]]></description>
</item>
<item>
<title>Advance Directives - &quot;The Living Will&quot; and Other Issues</title>
<link>http://EzineArticles.com/930677</link>
<guid>http://EzineArticles.com/930677</guid>
<pubDate>Wed, 16 Jan 2008 14:09:20 -0600</pubDate>
<description><![CDATA[It is always best to seek legal advice when considering important estate planning decisions. Numerous sources exist to provide you with basic information about how these agreements work and how they may affect you and your heirs.]]></description>
</item>
<item>
<title>Estate Planning Tips</title>
<link>http://EzineArticles.com/930665</link>
<guid>http://EzineArticles.com/930665</guid>
<pubDate>Wed, 16 Jan 2008 14:08:38 -0600</pubDate>
<description><![CDATA[Estate planning is really more about making decisions and being organized than it is anything else. Once you undertake the process decisions need to be made and once that is decided obtain the plan and materials necessary becomes a simple process. Here are a few things to be aware of and a list of items to consider.]]></description>
</item>
<item>
<title>Annuity Prospects - Remember The Rock in the Moccasin Tale</title>
<link>http://EzineArticles.com/930653</link>
<guid>http://EzineArticles.com/930653</guid>
<pubDate>Wed, 16 Jan 2008 14:07:17 -0600</pubDate>
<description><![CDATA[There is an old story about two Indians (native Americans) walking down a trail on a hunting expedition. One Indian was having trouble keeping up with the other and after a while a riff developed between them. Finally the lead Indian said to his hunting partner, "What is wrong with you? You are not keeping up. We will have nothing to give to our family to eat if you don't keep up." He was clearly agitated.]]></description>
</item>
<item>
<title>Target Renters in the Long Term Care Market</title>
<link>http://EzineArticles.com/930644</link>
<guid>http://EzineArticles.com/930644</guid>
<pubDate>Wed, 16 Jan 2008 14:07:01 -0600</pubDate>
<description><![CDATA[When we plan our marketing efforts for direct mailers to reach the senior market who may have a need for our LTC products almost always the filter is to only mail; homeowners. This is a big mistake because demographics show that 21% of people in this target market are renters. The decision to be renters may be financial but more than not it is based on convenience and the desire to make living simpler.]]></description>
</item>
<item>
<title>Long Term Care Insurance Marketing Has a Growing Prospect Base</title>
<link>http://EzineArticles.com/930590</link>
<guid>http://EzineArticles.com/930590</guid>
<pubDate>Wed, 16 Jan 2008 14:06:46 -0600</pubDate>
<description><![CDATA[If you are looking at a segment of the insurance industry to specialize in, you might consider the senior or older American market. This segment is growing and will continue to grow based on the movement of the baby boomer generation to the senior group. The older population will continue to grow substantially in the future.]]></description>
</item>
<item>
<title>Joint Ownership - Does it Make Sense for You?</title>
<link>http://EzineArticles.com/919575</link>
<guid>http://EzineArticles.com/919575</guid>
<pubDate>Thu, 10 Jan 2008 09:57:36 -0600</pubDate>
<description><![CDATA[Joint ownership of assets is a way of two or more people to own shares in an asset. The asset generally is real estate but can be other property such as a brokerage account, insurance company products or any other valuable property. The concept of joint tenancy is the transfer of the asset to the survivor or survivors.]]></description>
</item>
<item>
<title>Avoid Probate Using These Easy Options</title>
<link>http://EzineArticles.com/919559</link>
<guid>http://EzineArticles.com/919559</guid>
<pubDate>Thu, 10 Jan 2008 09:57:19 -0600</pubDate>
<description><![CDATA[If you own a brokerage account or directly own stock certificates consider using the "transfer on death" option to avoid probate. This option is also known as the "Uniform transfer on death securities resignation." This option allows you to name a beneficiary who will inherit bonds, brokerage accounts or individual stocks without the need for probate.]]></description>
</item>
<item>
<title>Tips and Helpful Hints When Choosing a Beneficiary for an IRA and 401k</title>
<link>http://EzineArticles.com/919579</link>
<guid>http://EzineArticles.com/919579</guid>
<pubDate>Wed, 09 Jan 2008 17:28:41 -0600</pubDate>
<description><![CDATA[Naming a beneficiary for a retirement account can be a very important decision. There are many options to consider. Here are some tips and tricks to help you navigate the decision making process.]]></description>
</item>
<item>
<title>Avoid Probate With Bank and Retirement Accounts</title>
<link>http://EzineArticles.com/912788</link>
<guid>http://EzineArticles.com/912788</guid>
<pubDate>Mon, 07 Jan 2008 15:29:37 -0600</pubDate>
<description><![CDATA[Use a bank account to protect funds from probate court. Most banks have a simply form for the account holder to select who inherits the funds.]]></description>
</item>
<item>
<title>Probate - Should It Be Avoided?</title>
<link>http://EzineArticles.com/912748</link>
<guid>http://EzineArticles.com/912748</guid>
<pubDate>Mon, 07 Jan 2008 15:27:23 -0600</pubDate>
<description><![CDATA[Most people have a genera fear of probate which is often based on publicity or misunderstood information. The press and numerous articles explain the hazard of probate and the underlying expenses which could wipe out an estate? Are these real or imagined concerns?]]></description>
</item>
<item>
<title>What is Probate? How Does It Work?</title>
<link>http://EzineArticles.com/907114</link>
<guid>http://EzineArticles.com/907114</guid>
<pubDate>Thu, 03 Jan 2008 11:38:27 -0600</pubDate>
<description><![CDATA[Simply put, probate is the changing of ownership of assets that require a paper transfer. These assets could include real estate, automobiles, bank accounts, invested assets, pension plans and other items. When a person dies the legal process begins to effect the direction of a will either left by the deceased or directed by the courts in the absence of a written will.]]></description>
</item>
<item>
<title>Tax Deferred Growth - Does It Make Sense For You?</title>
<link>http://EzineArticles.com/907090</link>
<guid>http://EzineArticles.com/907090</guid>
<pubDate>Thu, 03 Jan 2008 11:37:53 -0600</pubDate>
<description><![CDATA[The definition of tax deferred growth is this: An investment in which some or all taxes are paid at a future date, rather than in the year the investment produces income. When comparing tax deferred accounts with annual taxable accounts several factors need to be considered...]]></description>
</item>
<item>
<title>Annuity Marketing Services - The Most Boring Product on the Planet</title>
<link>http://EzineArticles.com/901051</link>
<guid>http://EzineArticles.com/901051</guid>
<pubDate>Mon, 31 Dec 2007 10:50:24 -0600</pubDate>
<description><![CDATA[I know what the most boring product is, it is annuities. Annuities are safe, secure and boring. The only definition of an annuity that adds anything to that is: insurance company.]]></description>
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<item>
<title>Free Annuity Leads - The Delivery Kit</title>
<link>http://EzineArticles.com/901049</link>
<guid>http://EzineArticles.com/901049</guid>
<pubDate>Mon, 31 Dec 2007 10:49:31 -0600</pubDate>
<description><![CDATA[Most agents do not consider delivering the annuity contract as part of the sales process. They are wrong!]]></description>
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<item>
<title>How to Sell Annuities - Fact Finding</title>
<link>http://EzineArticles.com/901043</link>
<guid>http://EzineArticles.com/901043</guid>
<pubDate>Mon, 31 Dec 2007 10:47:11 -0600</pubDate>
<description><![CDATA[Selling annuities is a process that evolves as the relationship evolves. Once the lead is secured and the appointment made the real selling process starts with the fact finder. Most agents look as a fact finder as a method of collecting the "facts" of the prospective client.]]></description>
</item>
<item>
<title>Annuity Leads Can Be Scams - Be Careful</title>
<link>http://EzineArticles.com/892390</link>
<guid>http://EzineArticles.com/892390</guid>
<pubDate>Sat, 22 Dec 2007 20:22:13 -0600</pubDate>
<description><![CDATA[Annuity leads can be good and they can be complete scams. Good annuity leads, no matter how targeted, are no guarantee of a sale. Getting in the door and completing a fact-finder is what makes for a solid annuity prospect. ]]></description>
</item>
<item>
<title>Individual Retirement Accounts - Questions and Answers</title>
<link>http://EzineArticles.com/892364</link>
<guid>http://EzineArticles.com/892364</guid>
<pubDate>Sat, 22 Dec 2007 20:21:11 -0600</pubDate>
<description><![CDATA[If you own an IRA you are probably aware of how confusing these plans can be. A recent change in the rules regarding IRAs has caused many IRA owners to misuse their plans. Here are some basic questions regarding IRAs and how they may best be used.]]></description>
</item>
<item>
<title>What is Prohibited in an Individual Retirement Account (IRA)</title>
<link>http://EzineArticles.com/892351</link>
<guid>http://EzineArticles.com/892351</guid>
<pubDate>Sat, 22 Dec 2007 20:19:39 -0600</pubDate>
<description><![CDATA[The IRS restricts certain investment options for an IRA. These restrictions do not allow the investment in collectibles, antiques and other assets. Here is a list: If an IRA invests in collectibles, the amount invested is considered distributed in the year invested.]]></description>
</item>
<item>
<title>Income, Retirement Savings Can Be a Stress Reducer</title>
<link>http://EzineArticles.com/888775</link>
<guid>http://EzineArticles.com/888775</guid>
<pubDate>Thu, 20 Dec 2007 11:39:43 -0600</pubDate>
<description><![CDATA[Retirees are supposed to enjoy their retirement and it is meant to be a fulfilling and an enjoyable time. However, stress enters the picture when issues like inflation and health enter the picture. Another major cause of stress is worry about having enough income to live and to remain financially independent. Worry and concern about making certain that income that will continue for a lifetime is a major issue.]]></description>
</item>
<item>
<title>Are You 70 Years Old?  Do You Own an IRA?</title>
<link>http://EzineArticles.com/888923</link>
<guid>http://EzineArticles.com/888923</guid>
<pubDate>Thu, 20 Dec 2007 10:43:54 -0600</pubDate>
<description><![CDATA[Information about IRAs for seniors turning 70 years of age. Once an owner of an IRA reaches the age 70 1/2 the IRS requires funds to begin to be withdrawn. These funds are taxed at ordinary income rates.]]></description>
</item>
<item>
<title>Don't Be A Sucker For Pre-Set Appointments</title>
<link>http://EzineArticles.com/888910</link>
<guid>http://EzineArticles.com/888910</guid>
<pubDate>Thu, 20 Dec 2007 10:42:36 -0600</pubDate>
<description><![CDATA[Beware of pre-set appointment schemes. If you are planning to fail and want to expedite it, sign up for pre-set appointments. The companies that provide these are only there because of the market developed by lazy agents. You know the term, "I only want to sell!" This to me is the sign of an amateur and an agent who is clueless to the whole process.]]></description>
</item>
<item>
<title>Marketing or Sales - Which is More Valuable?</title>
<link>http://EzineArticles.com/888879</link>
<guid>http://EzineArticles.com/888879</guid>
<pubDate>Thu, 20 Dec 2007 10:42:04 -0600</pubDate>
<description><![CDATA[Salespeople should develop their own internal marketing plan. Marketing is not something that can be outsourced. Stay clear of marketing programs that provide free annuity leads or pre-set annuity lead appointments. Take control of your own marketing and improve your sales.]]></description>
</item>
<item>
<title>An Overview of Social Security Benefits</title>
<link>http://EzineArticles.com/881537</link>
<guid>http://EzineArticles.com/881537</guid>
<pubDate>Mon, 17 Dec 2007 09:16:47 -0600</pubDate>
<description><![CDATA[Social security was established in 1937 as an emergency net for workers of this nation. It was to cover all workers and has grown to cover a wide range of benefits. These benefits are funded by worker payroll taxes and are paid into a fund managed by the federal government.]]></description>
</item>
<item>
<title>Wills and Trusts - Types and Descriptions</title>
<link>http://EzineArticles.com/876419</link>
<guid>http://EzineArticles.com/876419</guid>
<pubDate>Fri, 14 Dec 2007 14:47:05 -0600</pubDate>
<description><![CDATA[The various types of wills and trust defined. Many varieties of trusts exist and it is important to understand how each may affect your desired goals.]]></description>
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