Life Insurance Decisions: Keeping Consumers on Track

Seasonal Sips: The Best Wines and Spirits To Share This Thanksgiving

Tips for Having Difficult Conversations Around the Holidays

One of Beth's favorite Thanksgiving Side Dish Recipes: Sweet Potato Casserole with Brown Sugar Topping

OAP Episode: The Zandbergen Report’s 6th Annual Holiday Wine Pairing Podcast

**click the title to be directed to the article**

Introducing OIP Announcements!

One spot for everything OIP - rate updates, latest webinars, Optimized Advisor Podcast episodes, and more!

Once you log into the Planning Portal on OptimizedINS.com, scroll down to find the Announcements Section!

Book Recommendation

Inspired Leadership: Your Proven Path to Remarkable Results by Chris Fuller

This month, we’re thrilled to highlight Inspired Leadership: Your Proven Path to Remarkable Results by Chris Fuller. This insightful book provides actionable strategies to elevate your leadership skills, foster team alignment, and achieve extraordinary outcomes.

We had the great fortune of meeting Chris Fuller and spending a day learning directly from him. His dynamic approach and the practical tools he shares in this book left a lasting impression on us. It’s a must-read for anyone looking to enhance their leadership capabilities and inspire others to perform at their best.

Whether you’re leading a team, managing a business, or striving for personal growth, Inspired Leadership offers a proven path to remarkable results. We highly recommend it as a resource to guide your journey!

Product Updates

MYGA Rates:

3yr (A+) – 4.90%
4yr (A-) – 4.90%
5yr (A) - 5.25%
5yr (A-) - 5.20%
7yr (A) - 5.30%
10yr (B++) - 5.15%
10yr (A) - 5.05%

The Standard Enhanced Choice Index Plus (Now available in CA!)

Industry Leading Death Benefit Rider
(perfect alternative for Life Insurance if uninsurable)
Client gets the greater value of:
6% Guaranteed Growth each year (compounding)
200% Interest stacking (any interest earned on the account value, times 2)

Lump SUM payout to beneficiaries
Growth on the DB Rider to Age 85
Max Issue Age for Rider is Age 80

Extremely competitive COMP:
5.00% COMP on 5yr
6.00% COMP on 7yr
7.00% COMP on 10yr

Guaranteed Participation rate
ECI 5
S&P 500 - 45%
S&P 500 Daily RC 5% ER -165%
S&P 500 ESG Daily RC 5% ER – 165%

Guaranteed Lifetime Income

North American Benefit Solutions 10 Guaranteed Benefits Rider

Initial 25% Income Base Bonus
Also, your benefit base floor is contractually guaranteed and will automatically increase by a specified percentage on the 5^th and 10th contract anniversaries
Compound Interest Earned Roll-Up on Income for Each Year of Deferral (Up to 20 years)
Death Benefit
Beneficiaries choose to receive either accumulation value lump sum or 5 annual payments of rider DB
Single or Joint Life Income
Nursing Home Multiplier
Doubles Lifetime income if client is confined to a qualified care center for more than 90 days and remains confined in future contract years, up to 5 annual payments, does not have to be consecutive.

Upcoming Webinars

Where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors.

↓ Check Out the Latest Episodes ↓

Ep. 113 - The Admin Effect: Streamlining Success in the Financial Services Industry with Katelyn Kucharo

Ep. 112 - Optimizing Uncertainty: Mastering Emotional Intelligence and Empathy in Financial Advising with Dr. Naomi Win

Ep. 111 - Unlocking the Hidden Gems of LTC: Transforming Tax-Deferred Annuities into Tax-Free Benefits with Brad Shepard, One America

Ep. 110 - Optimizing Client Trust: Beyond Annuities and Into Authentic Relationships with Jason Labrum, CFP®, AIF®

Watch the full episodes on YouTube

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Experience Life Better

Optimized Insurance Planning is a national network of experienced Insurance Planners dedicated to supporting the financial services industry. We understand and embrace a holistic financial planning process by approaching risk management solutions to include annuities, life, and long-term care insurance.

Experience – Knowledge – Planning – Innovation – Community

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