NFP Life Brokerage has summed up the best sales ideas from your Select carriers for the fourth quarter. These sales ideas can be viewed and shared with your producers.

For more information on any of these sales ideas, contact National Insurance Brokerage.

AXA

Seven Ideas to Boost Your Year-End Sales

Close 2011 with a bang! Let AXA Equitable help you with sales ideas designed to push your year-end sales
over goal. We'll show seven ideas demonstrated to drive sales, many with a focus on the power of AXA Equitable’s life insurance products and features. They range from driving sales around the uncertainty in Washington, D.C., to transferring wealth across generations. We’re certain you’ll find something in this mix to build into your year-end push.

Click here for more information.

Aviva

2010 Tax Law Planning Idea — Leveraging the Lifetime Gift

On Dec. 17, 2010, Congress passed, and the president signed, the Tax Relief, Unemployment Insurance Reauthorization and Job Creation Act of 2010, creating a two-year increase in the gift, estate and generation-skipping transfer exemption to $5 million per person ($10 million per couple). This may be a once-in-a-lifetime opportunity to make a substantial gift for the benefit of your client’s heirs, with the added benefit of reducing the size of your client’s estate for estate tax purposes.

Additionally, the client might consider applying for life insurance as a method for increasing (potentially substantially) the size of the ultimate gift. This strategy usually entails using an irrevocable life insurance trust for proper estate-tax planning, creditor protection and control of distributions to the ultimate beneficiaries.

2010 Tax Law Planning Idea

ING

Superpowered Design and Sales Ideas: Introducing ING IUL-GDB
ING Indexed Universal Life – Guaranteed Death Benefit (IUL-GDB) is the newest addition to the indexed product suite from ING. This flexible product design with a secondary guarantee can potentially provide substantial surrender value accumulation when minimally funded, and even greater potential in higher funded cases. See it in action with a simple sales idea and an advanced one.

Click here for more information.

John Hancock

Retirement Income Potential with John Hancock's IUL
While managing current protection needs and expenses, families have become more concerned than ever about saving more for retirement, focusing on how much income current assets will generate and how much of that income will be consumed by taxes and inflation.

Demonstrate how John Hancock’s indexed universal life (IUL) policy can provide valuable tax-free death benefit protection for a growing family during an insured’s working years and can also be designated so that the potential cash values in the policy generate tax-favored income at retirement to help fund a retirement shortfall.

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Lincoln

A Tax-Smart Way to Help Meet Future Tuition Costs

Lincoln LifeReserve indexed universal life (IUL) offers growth opportunities linked to the performance of the S&P 500 Index. Your policy’s cash value accumulates income-tax deferred. And, because it isn’t invested directly in the market, the value isn’t affected by negative returns. With tax advantages and protection from market volatility, Lincoln LifeReserve IUL is an attractive way to help prepare for future college tuition expenses.

Lincoln LifeReserve IUL (2011) Sample Illustration
Lincoln LifeReserve IUL (2011) Case Study

MetLife

SERP Dollar Plus
SERP Dollar Plus is an innovative technique that provides supplemental income and death benefit protection for a valued employee, while presenting key person protection for an employer. This combination of two distinct executive benefit plans, a supplemental executive retirement plan (SERP) and an endorsement split-dollar arrangement, can make all the difference in recruiting, retaining and rewarding a highly valued executive.

Click here for more information.

Principal

Property and Casualty 101 — The Opportunity
Recent market conditions have opened an opportunity for life insurance sales within the property and casualty (P&C) market. This marketing program is designed to help you expand your market and income by:

• Offering a proven method of generating significant new revenue through existing P&C clients
• Protecting the business needs of P&C clients and strengthening the client/agent relationship
• Giving P&C agencies the basic tools for profitable life insurance sales

Questions That Lead to a Property and Casualty Agency Discussion (Read these leading questions to prepare for your first approach.)
Sample Revenue Opportunity Calculator Output (Use this sample to review default values for input and output pages of calculator.)

For more information, go to www.principal.com/propertycasualty.

Prudential

UL Opportunities Exist Everywhere — Your Challenge Is to Find Them
This marketing piece presents 10 sales ideas for personal protection, business needs or estate planning, where a strong universal life (UL) product with secondary guarantees, such as Prudential's UL Protector, may be a good choice for clients in challenging situations.
Ideas range from:

• Targeted markets, such as the LGBT market, for protection
• Cross-purchase or entity buy-sell funding for the business market
• Dynasty trust planning for estate planning

With 10 ideas, you’re bound to find some that resonate with you and your brokers.

Click here for more information.

Protective

Innovation That Sells
Why settle for just a lifetime guaranteed universal life (GUL) when, for “even less premium,” your clients can have an income replacement plan for beneficiaries and the option for chronic illness protection while living? Click the link below to see how Protective Life’s innovative ExtendCare Rider and Income Provider Option were bundled as riders on the Centennial G II GUL to form a very attractive resolution for a client needing life insurance protection and chronic illness coverage at an affordable price.

Click here for more information.

Transamerica

“Split-funded” Defined Benefit Plans — Another Transamerica Niche
For successful business owners looking for ways to increase their retirement savings, receive large tax deductions and maintain flexibility upon plan termination, a split-funded defined benefit plan is a very attractive option. Transamerica offers great products, unisex rates for calculating “economic benefit” and flexible exit strategies, if needed.

"Split-funded Defined Benefit Plan" — Producer Guide
TransSecure II Flexibility Producer Flyer
"Preferred Third-Party Administrators: Traditional Defined Benefit and 412(e)(3) Plans" — Producer Brochure
Transamerica Advanced Marketing Contacts