Pros and Cons of Annuities 46



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For the financial adviser, fixed and variable annuities may be the foundation of your sales options or they may be one investment option in any matrix of diversified portfolios. Regardless regarding where annuities fall within the mix you offer customers, generating sales and their commissions is what keeps you on organization. Relationships developed over time are the important to additional sales plus more annuity sales. Whether in strong economic times or not, it is imperative for the annuity sales representative to constantly prospect.

Difficulty: Moderate

Instructions

1 Appear with your existing reserve of business. Call clients who have already invested funds with you and review their account. Numerous clients may have new needs or investment goals. Those that don't may be able to refer business to you.

2 Keep retirement savings seminars. Question the insurance company whose products you recommend the most to sponsor the seminary that discusses the several ingredients regarding retirement savings plus where annuities fall into the blend. Market seminars by means of existing clients, at churches, senior centers and inside the newspaper.

3 Alter how you appear at annuities to give prospects a new viewpoint. If you have always sold annuities as savings vehicles, talk to prospects about the revenue guarantees that is annuities offer.

5 Network for estate planners and tax advisers. Work tough to have a earn-win relationship where you refer business to them and vice versa. Make guaranteed the referrals maintain any excellent experience working along with you so they can offer that is feedback to the estate planner or tax adviser.

6 Pick awake hobbies also activities outside of the office that introduce you to new prospects. Sports, volunteering also social clubs are excellent ways to develop new relationships in a non-sales manner.

Tips & Warnings

Find about new annuity products such as indexed annuities. Discover the customer's wishes and objectives and carry out the right thing for them. Annuities contain gotten a poor rap over the years mainly because of numerous greedy sales representatives selling it for high commissions while annuities were never the most suitable investment option. Remember, the customer yous often initial; the sale yous 2nd.

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References

Agent's Sales Journal: 3 Steps for Prospecting Pension Clients in 2 web site website9 Producers Web: how to Sell Life Insurance in the Present Recession