June 2016


Eschels Financial Group

Marketing Strategies for
your Business 

      From the Desk of
Cyndi Stern
-Ideas & Tips

  • Hello ,
June is Annuity Awareness Month: the age-old question and worry from clients never stops:  “what happens if I live longer than my money lasts?”  The growth of annuities mainly comes from challenging market conditions, a perpetual low interest rate environment, and financial professionals looking for fixed income alternatives outside of bonds.   So,  the natural question to ask from a lot of the financial professionals new to the FIA products is ” how do we position these annuities to be suitable with our clients? ” Below is a simplistic way to explain these insurance products and their functionality inside of a retirement income strategy.

The basics are very easy.  Safety of principle, reasonable rate of return, and a lifetime income stream that your client can’t out live. The challenge is, how do I know which annuity product will be the appropriate fit?  There are many annuities available today and each one has a specific design and place.

When looking at the FIA space any insurance product will fall in one of four categories:

1.     Accumulation – a favorable return with no risk to principle (we have seen treasuries plus 2% as an average rate of return over the life of an insurance product)

2.     Performance Based Income – guarantees to income with upside potential based on indexed interest growth

3.     Guaranteed Income – pension style income with a guaranteed payout at specific ages with no potential for increase in the future

4.     Legacy or Death Benefit

And here are  just a few reasons why some people should consider an annuity to be a part of their financial strategy:

  • Contractual guarantees – guaranteed minimum interest rates and principal protection

  • Transfer risk to the insurance company – the annuity carrier bears the market risk not the policy owner

  • Alternative product to traditional conservative investment options – addresses interest rate risk and sequence of returns risk

  • Multi-purpose product – optional riders may be available to provide enhanced death benefit guarantees or nursing home benefits

  • Additional retirement income – lifetime income riders can provide guaranteed income that will continue even after the annuity contract is depleted of any cash value

It all depends on the client’s situation whether an annuity can be right for them.  It is important in the financial strategy process to understand the contractual benefits of annuities along with the accumulation potential, as well as the fees and expenses of these products.  For the right client, an annuity can provide features and benefits to help ensure financial stability and may provide a solution. Call us and let’s talk about your next case!

  • Life can present many circumstances which can be financially scary: divorce.   Divorce isn’t a fun subject, but as most people already know, around 50% of marriages end in divorce. The decision to divorce is never easy, and the process can be very difficult for those involved. Helping your clients organize themselves financially and being a knowledgeable resource will be invaluable help to your impacted clients. There are so many items to consider when clients are faced with separating their financial lives.  When  divorce occurs, many realize they need to update life insurance policy’s beneficiary designations, or buy a new policy that insures income protection in the case of child support or alimony agreements. Life insurance protects against the premature death of a divorced person making alimony payments, but what if that person  becomes disabled and is unable to work? The average disability from the government is  $1,145 a month, which most people would struggle to live on, let alone have the ability to fund alimony or child support obligations. Many people use SPIAs (Single Premium Immediate Annuities)  or Fixed Indexed Annuities with Income Riders to protect against outliving their retirement assets, but when divorcing, how are the value of those future payments determined and how can they be split on what may be an irrevocable contract?  Click here  for more information.




The Next Big Thing in Annuities: If you’re not talking with your clients about QLACs, expect that your competition is. Learn how big this opportunity really is!

Upcoming Events

Plan now to attend
As a financial, investment, retirement, or accounting professional, long-term care planning can be challenging–specifically because it may not be the primary focus of your practice. In fact, you may even avoid it. Yet at the same time, learning about long-term care could be one of the most crucial ways to serve your clients.  A potential exposure so great, it could render all other strategies meaningless.
Join us for a free webinar and learn options available for your clients with the Care Solutions–a portfolio of asset-based LTC products that can provide tax advantages and benefits even if care is never needed.
During this webinar you will learn:

  • How certain annuities can benefit from the Pension Protection Act and provide income tax free withdrawals for LTC
  • About products that issue all the way up to age 85
  • How to use qualified money to gain long-term care benefits
  • How to speak with your clients about a negative topic (LTC) in a positive way

This learning opportunity will give you the ‘nuts and bolts’ of our products and arm you with the knowledge you need to succeed. At the same time, you will gain a level of comfort and learn how to broach this at times difficult topic with your clients.
Register today!

Chris Huntsman

Development Wholesaler, Care Solutions
Sales Desk: 800-275-5101


Webinar specificsFeatured Speaker:
Chris Huntsman – Development Wholesaler, OneAmerica

Full Product Webinar:
– Client presentation (advisors only)
– Asset-Care (hybrid life/LTC)
– Annuity Care (hybrid fixed annuity/LTC)

Click Date/Time to Register for Webinar:
* All times Eastern
Friday, June 17th at 11:00 AM

For company and recruiting use only. Not for public distribution.
Products and services provided by The State Life Insurance Company, Indianapolis, Indiana.  Products not available in all states or may vary by state.

Products and financial services provided by The State Life Insurance Company
© 2010 OneAmerica Financial Partners, Inc. All rights reserved. OneAmerica® and the OneAmerica banner are all registered trademarks of OneAmerica Financial Partners, Inc.


To learn more please contact Eschels Financial today!
Cyndi Stern
Phone: (248) 644-1144
Email: cyndi@eschelsfinancial.net

  • It is imperative to explore all financial options for the clients- why let a client lapse or surrender a policy when determining there is an alternative. Life Settlements-  Life Insurance , like every other asset, has a Market Value.   Before your client considers letting a policy go, call us to discuss the specifics. And interestingly, all policy types are considered now for Life Settlements- even convertible term insurance.  The reality is: you will set yourself apart from other advisors and agents by educating clients on Life Settlements and the options for the unwanted/unneeded  life insurance. Clients remember you told them about an idea that others did not- and isn’t that what we want as agents and financial advisors? To be distinguished as unique, with different and compelling ideas for clients provides them with more than the average agent.


  • Are you aware within Fixed Indexed Annuities and Indexed Life Insurance there are 100% participation in the various indices up to the caps? Are you aware there are uncapped (yes uncapped) index strategies allowing the client the full index performance less a spread?  Why is any of this important? Because clients have told this industry after 2008 that they no longer can endure the wild rides with their money. They have firmly said they are aware they need some exposure to the non-guaranteed  markets, but they now also know they must be more diligent with safety, as their individual lives are uncertain and when retirement happens often is not by choice but more by circumstance.

See the attached White Paper by Allianz Life Insurance Company “Reclaiming the Future”  


The Indexed Annuity Leadership Council has a recent video, which breaks down the guaranteed lifetime withdrawal benefit that offers a predictable income in retirement. Check it out!


Looking for the latest 2016 tax summary guide? Download here

  • How will you guide your clients and prospects this year with new ideas? As we have known and anticipated for the last several years, interest rates are now on the way back up, and retirement income will be affected if bonds are the primary source.  Have you  considered  the importance of showing a client what a guaranteed income would look like, one that has the opportunities to increase as the index performs?

And if that money is QUALIFIED money, One America Asset Care III can be the answer.  See the video below for details!


To learn more please contact Eschels Financial today!
Cyndi Stern
Phone: (248) 644-1144
Email: cyndi@eschelsfinancial.net

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