A Look At Real-Life Annuity Solutions

Advisors Fail At Income Planning, Says A Panel Of Consumers

Index-Based Annuities Surge: What’s Driving Their Growth?

20 Journaling Benefits: Why You Should Keep A Journal

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

Book Recommendation

The Energy Bus by Jon Gordon

Scott shared this book with the OIP Team and we'll be reading it as a company!

“It’s Monday morning and George walks out the front door to his car and a flat tire. But this is the least of his problems. His home life is in shambles and his team at work is in disarray. With a big new product launch coming up in 2 weeks for the NRG-2000 he has to find a way to get it together or risk losing his marriage and job. Forced to take the bus to work, George meets a unique kind of bus driver and an interesting set of characters (passengers) that over the course of 2 weeks share the 10 rules for the ride of his life… and attempt to help him turn around his work and team and save his job and marriage from an almost inevitable destruction.”

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Product Updates

MYGA Rates:

3yr (B) – 5.0%
4yr (A) – 4.75%
5yr (A+) – 5.0%
7yr (A) – 5.0%
10yr (B++) - 5.15%
10yr (A) – 4.95%

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.

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. 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®

Ep. 109 - Mastering Time: Strategies for Personal and Professional Optimization with David Buck

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 – Technology – Community

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