If you missed today's training, 5 April 2025 it was very important. We can now provide Quantum to groups of 10 and above!
See the link below.
Saturday, April 5, 2025
Thursday, April 3, 2025
Monday to Wednesday Dreams Business Resources Training
Monday Training includes opportunities to learn about:
1 PM Energy Training
2:30 PM Fast Start Class
5 PM Dreams Business
Tuesday There is training at
10 AM Tech Tuesday
5 PM Research and Development Business
5:30 PM Learn to Use iDecide
6:15 PM Learn to sell iDecide
Wednesday Training:
10 AM L-Card Training
1 PM Trumark Health
5 PM Dreams Insurance
Join the company to get links to the training. See: https://www.financialliteracyeducators.net/2025/04/dreams-signup-process.html
You can reach Walter with Questions at FinancialLiteracyEducators@gmail.com.
Book an appointment with him by clicking here.
Thursday and Friday Training with Dreams Business Resources
Thursday and Friday Training
Hi Everyone, I am Allison, A virtual assistant for Walter Davis.
There are a host of training opportunities on Thursdays.
All times pacific.
9:30 AM Fast Start Class
10 AM Trumark Health
1 PM Stream PC
Special presentations at 5 PM
On Fridays, at 7 AM, Eric Lofholm will dazzle us with his Ai development and Effective mentoring.
AT 9 AM We learn about Group Index Universal Life plans through GOALL - Growth Only Automated Life Agency.
Invite potential clients, and agents to our Saturday morning training at 8 AM.
There will be an overview of the company, and we will go over Trumark Insurance, and Research and Development Credit.
You can reach Walter with Questions at FinancialLiteracyEducators@gmail.com.
Book an appointment with him by clicking here.
Tuesday, April 1, 2025
Saturday, March 22, 2025
Friday, March 21, 2025
Saturday, December 17, 2022
Sunday, November 20, 2022
Wednesday, October 19, 2022
Netlaw Estate Planning: A Fresh New Angle to Marketing.
Estate Planning could be a fresh new angle to approach clients.
Consider this:
1. In estate planning, you get a lot of info (spouse, kids, relatives.....referrals!)
2. You have a more complete overview of assets.
3. You are paid $100 on the $400 plan and $200 on the $600 plan.
4. Commissions are paid directly to you.
5. You can post your personal link on social media and get clients.
6. A CRM will capture their data (you can use to market VFG services)...a better approach than insurance sales person.
Sign up here: i.netlaw.com/ny3ow
See set up video here: https://drive.google.com/file/d/1JxDlVeNoAfc3WurzbXOW7t6RwfRR3b_W/view
Sunday, June 12, 2022
Wednesday, April 13, 2022
Indexed Universal Life and College Football
Indexed Universal Life and College Football
IUL continues to gain ground as a smart choice for both retirement income and a death benefit without many of the traditional investment risks. The scholarly folks at the University of Michigan structured their head football coach’s benefit package around (IUL) to provide an attractive compensation package. Whether you have $100 a month or $10 million per year (like coach Jim Harbaugh) to invest, read this Forbes article about how IUL can be a win for you too!
How To Use Life Insurance In Your Retirement Planning
Investing in the market without taking losses — is it too good to be true? Not according to the University of Michigan’s head coach Jim Harbaugh. In August, University of Michigan helped Harbaugh become the top-paid college football coach in the nation, according to USA Today figures, by creating a deferred compensation package utilizing cash value life insurance called Indexed Universal Life Insurance (IUL).
Just like in Harbaugh’s case, IULs appeal to many executives and business owners because of the advantages they provide. IULs allow cash value within the policy to grow tax-free over time. IULs are funded with post-tax dollars which allow clients to withdraw money tax-free at any age, and provide financial security in the form of a death benefit for the family after the client passes.
One of the main advantages of IULs is that the cash value is protected from drops in the market. An IUL is a cash value policy that has both a death benefit and a savings portion. In an IUL the investments are not placed directly in the market where they would be subject to a loss. Rather, they are put into a strategy that mirrors an index such as the S&P 500, which allows the participant to realize all or most of the gains in the market. These gains are then locked in to protect against potential losses.
In addition, when compared to an IRA or a 401(k), IULs provide more flexibility. Unlike IRAs and 401(k)s, there is no limit on how much money can be added annually, as long as the added cash does not create a Modified Endowment Contract (MEC), which is taxable. An MEC is where the funding has exceeded the IRS limitations known as the "7-pay test," which limits the amount of excess cash that can be put into a policy in any seven-year period before it loses its tax advantages. IULs allow for a high cash value at the beginning of the policy. There are no restrictions on when the money can be taken out, unlike an IRA. Also, the money inside an IUL can be taken out at any age by the client tax-free and without extra fees.
An IUL is beneficial to those who are looking to invest their extra money tax deferred after they have fully utilized their other retirement accounts, such as a 401(k). IULs are also beneficial to those who clients who do not qualify for a Roth IRA. IULs provide an opportunity for individuals to allocate premiums to flexible and accessible tax-deferred accounts. For younger clients, savings can be rolled over from a previous retirement plan. IULs can also help people who started retirement planning later, due to the fact that an IUL can be over-funded, unlike a 401(k) or IRA, which have strict contribution limits.
Along with tax-free wealth building, IULs provide a source of financial security to the family in the event of death or disability. In an event of the death of the policyholder, the death benefit is received tax-free by the beneficiary of the policy in a lump sum. Some policies can be constructed to include living benefits in the event of disability or chronic illness. In this way, IULs provide a way in which individuals can grow and protect their income, as well as provide extra funds for retirement.
In the case of coach Harbaugh, an IUL was used to save millions in tax-free retirement. This was possible due to the growth of the cash value inside of the policy that increased his retirement funds, which are accessible tax-free at the age of 70. Upon being hired at Michigan, Harbaugh entered a split-dollar loan agreement , in which the premium, cash value and death benefit is split between two parties. This split-dollar agreement was funded by cash value life insurance policy or IUL.
Under this split-dollar agreement, the University of Michigan agreed to pay seven $2 million loan advances into a life insurance policy. By implementing this policy, Harbaugh does not have to pay back the loan taken on the policy until his death, and his beneficiaries will receive the remainder of the death benefit. While he is alive, Harbaugh is able to borrow money out of the policy tax-free. Through this plan, it is projected that Harbaugh could begin taking $1.4 million per year out of the policy tax-free, beginning at the age of 66.
IULs are a popular choice among clients who would like the gains of the markets without the losses, as well as protection for their family after death. This makes IULs a comprehensive and flexible wealth building option.
https://www.wsj.com/articles/ SB1000142405274870343510457542 1411449555240
Nationwide IUL Website & Video
https://www.newheightsiul.com/ jp-morgan-mozaic/ (Nationwide New Heights IUL website)
https://www.youtube.com/watch? v=Pv40met-0XU&t=13s (Nationwide IUL Video)
Nationwide IUL
with Log Term Care Rider 2-4%
New Heights unique Indexed Accounts
Protector lower cost for LTC benefits
Better Underwriting
Possible Non-Med
Competitive for large cases
Nationwide New Heights IUL Training
https://www.gotostage.com/ channel/ d740d0c81ffb4e4b9a73d29fef202b 91/recording/ 2b9cf2a2d56f4f05904903d6779a92 dd/watch
Nationwide IUL Training with Nationwide Pat Hodus:
https://www.gotostage.com/ channel/ d740d0c81ffb4e4b9a73d29fef202b 91/recording/ 1eb0e28e15ef488786b704c15910ae d0/watch?source=CHANNEL
Click to order the books online
1.Life Insurance Protection
2.Growth Potential
3.Index Account Options
4.Guaranteed Floor*
5.Tax Advantages
6.Tax Free Access
7.Tax Deferred Earnings
8.Tax Free Loans & Withdrawals**
9.Tax Free Death Benefit
IUL with Long Term Care Rider- Nationwide
Agency Rocket Software
Anthony Gambale did a demo of this incredible new software he subscribes to help sell IUL this morning on the Financial Professionals Training Class
Password Virtualvgf (Sample Interactive Report)https://app.agencyrocket.com/ interactive-reports/0c5ca580- c3a1-49b3-abc0-019c1dfe2348
Agency Rocket Special Training and discount offer for VF Agents
Today's 05/06 Financial Professionals Special Training Class and offer with Agency RocketHere is the signup page:Here is the login page:(You can also get to the sign-up page from here by clicking "create a new account" at the bottom)As long as your agents go through those links to sign up, they'll have the VF branded version, and they will also get a one-time $10 discount when they subscribe. This "coupon" is how we can keep track of how many of your agents have signed up.
Great Resource of Information
https://www.iulagent.com/howto
In an effort to more fully support you and get you cutting edge information!
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Quantum Training 5 April 2025
If you missed today's training, 5 April 2025 it was very important. We can now provide Quantum to groups of 10 and above! See the link...
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Thursday and Friday Training Hi Everyone, I am Allison, A virtual assistant for Walter Davis. There are a host of training opportunities on...
