P A C E S P I TOP PICKS Technology Parkway, Ste 200 Cedar Falls, IA
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1 P I P A C L I F E S TOP PICKS Technology Parkway, Ste 200 Cedar Falls, IA
2 Table of Contents Life Insurance Whole Life... 3 Index Universal Life... 4 Guaranteed Universal Life... 5 Survivorship Universal Life... 6 Return of Premium (ROP)... 6 Term... 7 Voluntary Life... 8 Annuities Multi-Year Guarantee... 9 Immediate/Deferred Fixed Indexed/Lifetime Income Riders...11 Fixed Indexed/Accumulation...12 Linked Benefits Linked Benefits-with LTC Sales Strategies Annuity Life Meet PIPAC LIFE Meet the Staff Page
3 Life Insurance Whole Life Cincinnati Non participating Old School whole life Best for final expense and young children Level pay, single pay, 10 pay and pay to age 65 options PRODUCT: LifeHorizons Whole Life 0-85 $10,000 Gerber Guaranteed issue NO HEALTH QUESTIONS $25,000 maximum benefit Fast application or electronic application available Great for final expense or tough underwriting cases Transamerica Simplified issue final expense Lifetime and 10 pay options Graded death benefit for non-qualifying health 3 day policy issue PRODUCT: Guaranteed Issue Whole Life $5,000 PRODUCT: Solutions Final Expense 0-85 $1,000-$50,000 (Age Determined) Minnesota Life Great cash value accumulation w/ dividends Custom pay options Juveniles can be rated at preferred PRODUCT: Secure Accumulator Whole Life 0-90 $10,000 All products are subject to change. Page 3
4 Life Insurance Index Universal Life Minnesota Life Death benefit payout options Simplified issue up to $1 million death benefit Great for cash accumulation/ college funding plans/ supplemental retirement plans Great index options for cash value growth Minnesota Life Performance death benefit guarantee rider Can use cash value to pay up policy early LTCI Rider Premium deposit account PRODUCT: Orion 0-85 $10,000 PRODUCT: Eclipse Protector 0-90 $100,000 North American Builds cash value long-term Great for supplement retirement planning, college funding, and executive bonus Terminal, chronic, & critical illness benefit included PRODUCT: Builder IUL 0-75 $25,000 Quote Today! PIPAC LIFE makes quoting EASY! Contact our Sales Team at or today to get your quote! You can run your own Term or GUL quotes online at Access quoting by going to the left column of our PIPAC LIFE home page and click on RUN A QUOTE NOW!. Page
5 Life Insurance Guaranteed Universal Life Cincinnati Life Great for buy-sell Pay to age 100 with guarantee to age 121 Permanent term Replacement coverage for under-performing policies Great for 1035 Exchange North American Good with 1035 exchanges Top choice on lower face amounts Great GUL for children policies Dial a guarantee available Protective Life Good with short guarantees (age 90, 95, 100) Excellent height/weight tables Great LTC Rider PRODUCT: LifeSetter UL $50,000 PRODUCT: Custom Guarantee 0-59, $50,000, $25,000 PRODUCT: Advantage Choice UL $50,000 Sagicor Accelewriting/simplified issue Guaranteed death benefit Quick underwriting turnaround Fast issue PRODUCT: Sage NLUL 0-85 $25,000 If a child, a spouse, a life partner, or a parent depends on you and your income, you need life insurance. ~Suze Orman All products are subject to change. Page 5
6 Life Insurance Survivorship Universal Life Lincoln Financial Competitive premiums; good underwriting Coverage protection guarantee Minnesota Life Fixed indexed UL with First -to -Die rider 1 year PT to PT at 140% participation PRODUCT: LifeGuarantee SUL $100,000 PRODUCT: Eclipse Survivor IUL $200,000 Return of Premium Term (ROP) Cincinnati Guaranteed death benefit Quick underwriting turnaround Base premiums are returned at the end of the guaranteed term period PRODUCT: Termsetter ROP $25,000 Prudential Guarantee periods - 15, 20, 30 Convertible to age 65 Cigar smokers, chewers and pipe smokers may receive non-smoker rates Assurity Non-medical up to $350,000 benefit Actual age Critical illness & disability riders available 20 & 30 year terms PRODUCT: Return of Premium Term $100,000 PRODUCT: Lifescape Non-Med Term $50,000-$350,000 Page
7 Life Insurance Term Cincinnati Actual age rating Cigar smokers, chewers and pipe smokers may receive non-smoker rates Extremely competitive at lower face amounts Term lengths from years Lincoln Competitive at higher face amounts Convertible to age 70 Term lengths from years PRODUCT: Termsetter 0-75 $25,000 PRODUCT: Life Elements $250,000 Sagicor Non-medical up to $500,000 Underwriting decision in 1 1/2-2 minutes 5 risk classes Fast issue PRODUCT: Sage Term (Simplified Issue) $50,000-$500,000 Minnesota Life New Benefit Distribution Agreement allows flexibility on your term product with premium options Spreads out death benefit over 5-20 years Great for income replacement planning PRODUCT: Advantage Elite Select $50,000 All All products products are subject are subject to change. to change. Page Page 7 7
8 Life Insurance Voluntary Life Cincinnati Life Worksite Term $10,000-$100,000 Worksite Term $25,000-$100,000 Worksite Term 20 ROP $25,000-$100,000 Worksite Whole Life Pay to $5,000-$100,000 Worksite Whole Life Paid up at $50,000-$100,000 PRODUCT Employee Payroll Deduction Voluntary Benefit program Term, Return of Premium Term, Whole Life 100% Portability (Employee Owned) Policy Guarantee Issue on 15+ eligible employees Simplified Issue on Groups less than 15 No Exam No Participation Requirements Page
9 Annuities Multi-Year Guarantee Equitrust Multi-Year Guarantee (MYGA) for 3,5,6,8,10 yrs After year one 10% free withdrawal PRODUCT: Certainty Select 0-90 $10,000 North American Multi-Year Guarantee (MYGA) for 4 to 10 yrs After 30 days interest only free withdrawal PRODUCT: Guarantee Choice 0-90 $10,000 NQ / $2,000 Q American Equity Multi-Year Guarantee (MYGA) for 5, 6, 7 yrs After 30 days, interest only withdrawal Terminal illness benefits available Guggenheim Multi-Year Guarantee (MYGA) for 3-10 yrs After year one 10% free withdrawal SureLC Universal Contracting PRODUCT: Guarantee Series MYGA $10,000 NQ PRODUCT: Preserve MYGA 0-90 $10,000 NQ/$5,000 Q One contract for all carriers! SureLC is a universal contracting system that many of our carriers accept. With SureLC, you will only be required to complete your contracting once. With PIPAC LIFE s dedicated licensing department, you will get contracted quickly and easily. Please contact Jenny Anderson directly at or or jenny@pipaclife.com with any contracting questions. All products are subject to change. Page 9
10 Annuities Deferred Cincinnati Single Premium Deferred Annuity 1 year guarantee 100% guaranteed return of principal No risk Safe Liquid American National Immediate Immediate Annuity Aggressive payouts with guaranteed income utilizing multiple payout modes PRODUCT: SPDA 0-80 $5,000 PRODUCT: Palladium SPIA $15,000 NQ/$35,000 Q Equitrust Immediate Annuity Aggressive payouts with guaranteed income utilizing multiple payout modes American General Deferred Immediate Annuity Qualified longevity annuity contract available Saves clients from unnecessary required minimum distributions PRODUCT: Confidence Income 0-85 Life/Joint Life 0-90, Period Certain $30,000 PRODUCT: American Pathway 0-90 NQ/Roth IRA 0-69 Qual/IRA 0-83 QLAC s $20,000 NQ Page
11 Annuities Fixed Indexed/Lifetime Income Riders Fidelity & Guarantee Enhanced Guaranteed Minimum Withdrawal Benefit (EGMWB) rider Enhanced payout for LTC PRODUCT: Safe Income Plus 0-80 $10,000 American Equity Lifetime Income Benefit rider 8% premium bonus 3 income rider options Enhanced payout for LTC Uncapped indexed strategies PRODUCT: Retirement Gold $5,000 North American Income Pay Plus rider Strong guarantees with benefit base Boasting unique 120/140/160 design with step ups on premiums PRODUCT: Benefit Solutions 0-79 $20,000 Equitrust Income for Life rider 10% premium bonus contract Income for Life rider 6.5% compounded roll-up 10 yrs (rider cost 75 bps) Terminal illness benefits available PRODUCT: Market Power Bonus 0-75 $20,000 All products are subject to change. Page 11
12 Annuities Fixed Indexed/Accumulation American Equity Great index options 2 options with no cap for great growth potential No MVA option 10% free withdrawals PRODUCT: Choice Series $5,000 Americo (Legacy) PRODUCT: LibertyMark 10 8 index strategies High caps and participation rates 0-85 $10,000 Reliance Standard Great uncapped participation strategy for safe growth No MVA 10% free withdrawals PRODUCT: Keystone $10,000 Sagicor 4% premium bonus vests day 1 Opportunities for up to 50% free withdrawals Very liquid with uncapped growth strategies Terminal illness benefits available PRODUCT: Sage Select 0-85 $2,000 Page
13 Linked Benefits Linked Benefits-with LTC Sagicor Single Premium Whole Life 10% premium bonus ROP feature LTC rider Simplified issue with great underwriting Death benefit paid out in 33 months for HHC or facility care Minnesota Life Single Premium Whole Life 60 day elimination Joint care option month LTC benefit period Lifetime Benefit Options Rider PRODUCT: Gold Series $5,000 PRODUCT: CareSheild $50,000 State Life PRODUCTS: ASSET Care 1/Annuity Care II/ASSET Care IV ASSET Care I Single Premium Whole Life 60 day elimination Joint care option month LTC benefit period Lifetime Benefit Options rider ASSET Care IV 60 day elimination Joint Care Option month LTC benefit period Lifetime Benefit Options Rider $10,000 Annuity Care II NQ fund 90 day elimination Pension Protection Act compliant tax advantaged disbursement for LTC Extension of benefits rider comes with plan- your choice of 3, 6, or 9 year extension All products are subject to change. Page 13
14 Sales Strategies Annuity Retirement Income Planning Combine the benefits of guaranteed lifetime income from your annuities with Social Security maximization to give your clients their retirement paychecks and payouts. Required Minimum Distribution (RMD) Relief Push off RMDs until age 85 by transferring money into a Qualified Longevity Annuity Contract (QLAC). Tax Free Retirement Income Transfer your client s qualified accounts into a new tax free policy through partial Roth conversions. The partial conversion allows your clients to avoid the tax bill during conversion making all future distributions tax free. Other Annuity Sales Ideas In-Service Distributions 1040 Tax Return Overlays NQ/Q Stretch Planning Annuity Laddering...plus many more! Page
15 Sales Strategies Life Don t Forget Income Most life insurance policies only cover the immediate debts. It is equally important to insure if something happens to your client, the surviving spouse and family members will have money for bills and living expenses. We offer great product that spreads out the death benefit over 10, 20, or 30 years that is designed just for income replacement. Final Expense Sales One of the biggest reasons seniors purchase life insurance is to pay for final expenses. The average cost of a funeral in the United States is $10,000. We have small face amount policies that you can offer to your clients regardless of their current health conditions. Cash Values Strengths Cash value life insurance can be a flexible financial tool that is customizable for each client. Cash can be borrowed from the policy to help fund education expenses, down payments, emergency costs and supplement retirement income. Call PIPAC LIFE s Sales Team to learn more! IT S EASY MONEY, YOU HAVE THE CLIENTS, WE LL DO THE REST! Ask 1 Question and leave the rest up to us! Meet with client to discuss their interest in insurance and give them a brochure outlining the next steps. Go to and enter the information needed. You re done! Our professional staff makes the sale and you get paid. Call the PIPAC LIFEline sales team today at All products are subject to change. Page 15
16 Meet the Staff of PIPAC Life Brokerage Amber Piper Life Department Manager As PIPAC LIFE s Department Manager, Amber supervises the department s day-to-day operations and staff. She analyzes the insurance industry for product changes and sales ideas making it possible for agents to have the best products for their clients amber@pipaclife.com Justin Wagner Life Sales Account Manager Justin is a major part of the PIPAC LIFE Sales Team. Contact him today for life and annuity quoting along with pre-screening your difficult clients. Justin has incredibly quick response times and is very knowledgeable of carriers and products to help make your sales recommendations justin@pipaclife.com Marah Jacobs Life Sales Account Manager Marah works primarily with the Case Management Team at PIPAC LIFE. She processes applications, works with underwriting and gets your business placed as quickly as possible. She also assists the PIPAC LIFE Sales Team with life quotes marah@pipaclife.com Doug Knudtson Life Sales Account Manager Doug is part of our Sales Team at PIPAC LIFE. He focuses on running quotes and recommending products that will suit your client s needs. Doug also represents PIPAC LIFE by recruiting new agents and assisting them with the on-boarding process doug@pipaclife.com Jenny Anderson Licensing Coordinator Jenny assists agents with the appointment process through all of the companies PIPAC LIFE represents, including product specific training and licensing requirements jenny@pipaclife.com Rev. 3/21/18
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