Tag Archives: College Planning

TFS Insurance Advisor – August 2015 Newsletter





To download or view the entire newsletter in PDF format, please click on the above pictures or click here.

Thomas P. Hyland, Jr.
Business Development Specialist
TFS Insurance Brokerage, Inc.
Direct: (732) 758-9300 x127
Toll-free: (800) 833-1862 x127
DirectFax: (732) 576-4519
Email: THylandJr@TFSweb.com
Find out about us at www.tfsweb.com

EXCITING NEW SALES TOOLS – TFS & North American are making it easier to educate your clients about life insurance

Tomorrow's Financial Services, Inc.Are you looking for a way to start a conversation with your clients about life insurance? TFS & North American are excited to share with you a new sales tool to help you do just that. We have developed a series of professionally produced educational client approved videos that can help  your clients begin to understand the myriad of ways in which life insurance can help them better achieve their financial goals. You can download a copy of these videos from YouTube or simply send your clients links to view them on YouTube.

Click on the hyperlinks below to take a look at any of the covered topics, and feel free to forward on to your clients for their benefit to!!!

Annuity Maximization – The objective is to provide a greater death benefit for heirs using annuity assets. Gain insight into how this strategy works and how you can help build your sales.

Business Planning – Your business clients have unique life insurance needs. Let us help simplify your sales process with our powerful sales strategies covering Buy-Sell, Executive Bonus, & Key Person Insurance.

College Funding – A premature death and the rising costs of college tuition can be hard on a family. Help your clients gain financial protection and help pay for college with a college planning strategy.

Estate Planning – Life insurance death benefit proceeds can provide the liquidity needed to pay off debt, replace income, supplement retirement income, create an equitable inheritance between heirs, and even provide protection for businesses.

Legacy Building – Use permanent life insurance to offer death benefit protection along with an efficient way to pass along assets to beneficiaries. Learn how to put this strategy to work for you.

Pension Maximization – Find your sales potential in this large market niche. From teachers to state and local government employees, discover your next sales opportunity today.

Policy Review – Life insurance left untouched may no longer be meeting your clients’ needs. Position yourself as an important resource and put a periodic policy review practice in place today. Take advantage of the TFS CPR program to help make this process even easier for yourself.

Retirement Planning – Help your client protect what’s important now while giving them a way to enjoy financial freedom later. Help boost your sales today with this key strategy.

Smart Money – Smart money is money your clients want to control and be able to access during times of need. While there are several places to store smart money, one option to consider is life insurance. Learn how to help your client make their smart money even smarter!

Contact Steven Hipsher at the TFS Home Office for help on your next case!
732-758-9300 x165 or shipsher@tfsweb.com



Awesome Sales Opportunity

I wanted to take a moment to share with you a sales idea. As we all know the main purpose for life insurance is death benefit. However, in addition to having a death benefit for your client’s heirs; with the right product your client can also have the potential for college funding and retirement planning in one product.

In this link,  College Funding & Retirement Hypo (click here) you will see a hypothetical illustration for a young family insuring the mother at age 31 with the North American Builder IUL.  Considering her child is 6 years old, variable loans will come out starting policy year 12 (when the child is college age) through policy year 15.  With the family paying only $200 per month until policy year 12 (payments will stop through the college years) they are able to take a loan of $7,942.00 each year their child is in college.  Then, they will resume paying $200 per month until the mother is retirement age (65).  Then through variable loans again – the illustration shows $31,409.00 coming out each year until age 100.

This concept sheet, Life Insurance to Supplement Retirement (click here) discusses the target client who might want to take advantage of Life Insurance to help supplement their retirement.

Our Preferred Partner, North American wants to help you promote these ideas with your clients. They have a library of marketing materials, including these beautiful customizable postcards available to you at NO cost.
Untitled-1Be sure to reach out to Steven Hipsher at the TFS Home Office today to find out more about these and other exciting sales opportunities just waiting for your clients. For the full sales suite on College Planning or Life Insurance to Supplement Retirement, please click the below links.

Using Life Insurance to help with college funding

Life Insurance as a supplemental retirement