Earn More Commissionby Upgrading Your Clients’ Coverage

with No Additional Cost to Them

Making theMost Out of the1035 Exchange

Making theMost Out of the1035 Exchange

For authorized agent use only. Not for public use.

Question:

Would your clients be interested in increasingtheir face amount or transferring their cash values

to a product with a higher interest rate withoutincurring taxes and at no cost to them?

Are you interested inmaking more commission?

For authorized agent use only. Not for public use.

Answer:

Of course. In the real world, rare is the opportunity to get something for practically nothing.

This is your opportunity to speak with your clients about the benefits of a 1035 Exchange.

For authorized agent use only. Not for public use.

Let’s say your long-time client Jane hasin her portfolio a paid up life policy.

You might give her a call and let her know you’ve been reviewing her life policy and wonder if she’s familiar with

a 1035 Exchange and how it could benefit her.

Would she be interested in increasing her face amount– without paying additional premium?

Chances are Jane is very interestedand she’s ready to talk.

You’ve just made an appointment.

For authorized agent use only. Not for public use.

So, Jane asks, just what is a 1035 Exchangeand is this a good thing?

Answer: By definition, a 1035 Exchange allows clients to

exchange the cash values from one life insurance contract to another or from a life insurance contract

to an annuity, or from one annuity to anotherwithout triggering a taxable event.

And, yes, it can be a very good thing. In your case,if you qualify, we can exchange your current life

policy for one with a higher face amount.

You won’t have an increase in premium andthere will be no immediate tax liabilities.

For authorized agent use only. Not for public use.

Jane loves the idea.

She now knows that you are concerned about her best interests and you have just strengthened

this long-term client relationship.

For authorized agent use only. Not for public use.

Ann-Marie is very meticulous with her money and you have carefully researched and helped her to build a solid

portfolio complete with a life policy and an annuity.

But, you notice that she could be earninga higher interest rate with a different annuity.

You now have a satisfied client who won’t hesitate to hand out your business cards

to her friends and acquaintances.

You can now approach Ann-Marie with the opportunityto transfer her existing annuity contract into one with

a better interest rate without being concernedabout tax implications.

For authorized agent use only. Not for public use.

Roger and Sarah Everly are good clientsand long-time friends.

Roger is a smart businessman and purchased his universal life policy when interest rates were high

but is now having to pay a higher premium tooffset the lower interest rate.

Sarah also purchased her policy when interest rates were high but is now using the policy's cash value to

pay the premium and is facing a depletion of her cash value.

For authorized agent use only. Not for public use.

A 1035 Exchange can benefit both Roger and Sarah.

If they qualify, each one is able to transfer theremainder of their cash value into a single premium

whole life policy and never worry about payingpremium on their life policies again.

You have now built a better friendship andstrengthened the client relationship.

For authorized agent use only. Not for public use.

In today’s fluctuating economy, financial stability is among the top priorities of most

people – especially seniors.

The 1035 Exchangeoffers your clients financial choices

in a relatively safe environment.

For authorized agent use only. Not for public use.

Talk to your clients about this great

provision that can afford them

the flexibility to upgrade their portfolio

without additional monetary

investment and without incurring any

immediate tax liabilities.

For authorized agent use only. Not for public use.

Expanding your client base is wonderful.

But now, you can expand your businesswith the clients you already have.

Satisfied clients tend to be loyal clientsand can be your best source of

advertisement.

Make an appointment today andexamine your clients’ portfolios to see if

a 1035 Exchange is right for them.

For authorized agent use only. Not for public use.

Compliments of

Standard Life and Accident

Insurance Company

800.514.2080

email: standard.marketing@slaico.comor visit us on the web at: www.slaico.com

For authorized agent use only. Not for public use.

Information contained herein is not intended to be legal or tax advice. Income and growth on accumulated annuity values have been held by the Tax Court to be generally taxable only upon withdrawal. (IRC §72)