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LIFE INSURANCE
For agent use only. Not for public distribution.
Kick Start Your Clients’ Estate Planning by Taking Advantage ofLow Interest Rates
If you have clients who have been putting off their estate plans, now may be the time to move forward. Interest rates today are low. Historically low. And this presents an opportunity for you and your clients to take action on their estate plans.
December 2008
December 2009
December 2010
December 2011
December 2012
December 2013
Short Term Rate 1.36% 0.69% 0.32% .20% .24% .25%
Mid-Term Rate 2.85% 2.64% 1.53% 1.27% .95% 1.65%
Long Term Rate 4.45% 4.17% 3.53% 2.8% 2.4% 3.32%
1–year LIBOR Rate 2.38% 0.99% 0.79% 1.1% .86% .58%
Section 7520 Rate 3.40% 3.20% 1.80% 1.6% 1.2% 2.0%
Take a look at how interest rates are today compared to this time in previous years.
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For agent use only. Not for public distribution.154083 02/19/2014
These materials are not intended to and cannot be used to avoid tax penalties and they were prepared to support the promotion or marketing of the matters addressed in this document. Each taxpayer should seek advice from an independent tax advisor.
The ING Life Companies and their agents and representatives do not give tax or legal or lending advice. This information is general in nature and not comprehensive, the applicable laws may change and the strategies suggested may not be suitable for everyone. Clients should seek advice from their tax and legal advisors regarding their individual situation.
Life insurance products are issued by ReliaStar Life Insurance Company (Minneapolis, MN), ReliaStar Life Insurance Company of New York (Woodbury, NY) and Security Life of Denver Insurance Company (Denver, CO). Within the state of New York, only ReliaStar Life Insurance Company of New York is admitted and its products issued. All are members of the ING family of companies.
© 2014 ING North America Insurance Corporation CN0204-15280-0217
Summary Life insurance is a key financial product for funding a well-designed estate plan. ILITs are a key tool for keeping the death benefits from life insurance outside of the insured’s estate. Private financing, premium financing, and GRATs are all strategies for funding ILITs that work best when interest rates are low.
Today’s interest rates are low. Historically low. If you have clients that have been putting off their estate planning, now may be the best time to talk to them about getting started.
Where Can I Learn More?
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No COBRANDING
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To learn more about private financing, premium financing, or GRATs, contact your ING Life Companies’ representative, or call ING Insurance Sales Support at 866-ING-SELL (866-464-7355).
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Financial Center Brokerage-NY 4201 Avenue of the Americas, Suite 1250
New York, NY 11111
www.fcbnyny.com
At FCBNY we have built our business on long-term relationships. Since 1978 we have worked with Manhattan producers to
create a reliable, flexible business model that allows us to adapt to changing market conditions. We have grown through
recommendations and referrals and consistently strive to create and maintain lasting relationships. This is the type of
sustainable business plan we believe will position us to continue to succeed, together with our partners over the long term.
For more information contact:
Alex Hamilton alexh@fcbnyny 111.111.1111
Dutch Settles dutch@fcbnyny 111.222.2222
FCB-NY Website
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DJ Agency Serving Atlanta Brokers Since 1980
“When experienced professional sales support counts
most…”
Come to DJ Agency. We have among the most experienced
underwriting, new business, product, and advanced sales teams in
the state. Our staff members average over 15 years in the life brokerage
business helping producers place their cases. Producers who use us
can depend upon us for the best sales support around. Doug Jewett, President
Give Us a Try and You’ll See Why!!
Need Help? Call 1-888-8888 Today
DJ Agency 111 South 1st Street, Atlanta, GA 30111 404-777-7777
DJ Agency Website
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Boston Bay Brokerage Serving Boston Area Brokers Since 1777
Building business with Boston area brokers the hard way… by earning it
Experience the difference our top-flight illustration support, advanced
sales and underwriting teams can make in bringing even your toughest
cases to a successful completion.
We earn your business by making it easier & more profitable for you.
For more information contact:
Alex Hamilton [email protected] 111.111.1111
Dutch Settles [email protected] 111.222.2222
Boston Bay Brokerage 111 South Harbor Way, Boston, MA 11111 111.11.1111
www.bbbma.com
Boston Brokerager Website
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Path Financial Agency
500 North Ave, Suite 2
Burlington, VT 55555
www.pfabvt.com
Ph: 333.333.3333
Fax: 333.333.3334
Guide your business to and through the carrier with the product and undertwriting to give your client
the best choice available requires decades of working with the top carriers in the brokerage
business. Serving VT brokers since 1975, our almost 40 years’ experiience years helps ease your
way
Vermont’s Pioneer in Life Brokerage
Call Gloria Delfino at 800.333.3333 ext 222,or
Email: [email protected]
Home
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DJ Agency Atlanta’s Landmark Agency
Call us when Experience Counts Most!
Many producers consider us their first choice for getting impaired risk clients the best quote possible. Finding that requires detailed knowledge of carrier underwriting niches AND product pricing! Our underwriting staff has been placing challenging from local producers for over 30 years and is the most experienced in town.
For immediate help with your case, contact…
Jack Daniels 1-888-888-8888 [email protected] Hiram Walker 1-888-888-8888 [email protected]
DJAgency 111 South 1st Street Atlanta, GA 30111 404-777-7777
Visit DougJewett.com
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