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……15 Years and still rolling…….

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1 | Open MIC notes for the Crew “Our brand can be your brand” Old Glory flying over our bay at full moon, does it get any better?

ABM: Notes for the crew.

---------------------------------------------------------Open MIC is sharing; Welcome!

ABM: Always Be Marketing Thank you for joining us on Open MIC 9:00: AM Pacific Thursday 800 504-8071 Code is 2554567#.

Editorial Baby Boomers Are Embracing Annuities With Open Arms World War II ended in 1945 and with it home came millions of soldiers, airmen, sailors, and marines. Eager for a new life, these returning GIs married, bought homes and started families. I am a member of that generation, now known as the Baby Boomers.

The Baby Boomer generation started in 1946 and ended in 1964 and during that time the generation gained about 100,000,000 members. Now the time has come for many of us to move to the retirement phase of our lives, that time when we can reflect on our life, enjoy our grandchildren and prepare ourselves for the “Golden” years.

I was very close to my father, and he had been in the Air Force during WWII, and he often shared the wartime stories with me. As he aged and entered retirement, he was faced with the reality of aging. His friends died, my mom died, but he lived in until age

96. During one of our many visits, the said to me, “Bill, the golden years just aren’t what they are cracked up to be.” Of course I understood; fear of failing health, fear of money, fear of the unknown. I am now at that stage, the stage when looking forward is much shorter than looking backward.

As a proud member of the Baby Boomer generation, I have a few advantages my dad didn’t, I have information. I know how to make sure that money needed for retirement will be guaranteed to live as long as I do. What I face that he didn’t is the damage that is ABM: Notes for the crew.

going to be caused by The Affordable Care Act. This damage will come in the form of out of pocket expenses, expenses I will have to pay in addition to what Medicare pays. Each year the amount of reimbursement Medicare will cover will not keep up with the rise in the cost of medical care.

But when it comes to guaranteeing income, I am right on track, I own annuities. I have income that will pay me (and Phyllis) for as long as either of us lives. My income will never die prematurely.

The Baby Boomer generation numbers about 70,000,000 now and every day 10,000 of us sign up for Medicare. Along with Medicare, a large portion of our group has discovered annuities, just as I have.

Our generation is moving away from risk and not as concerned about accumulation as we once were. Avoiding risk and having guaranteed income is now our goal.

According to a recent report, the percentages of Baby Boomers who own annuities are far more confident in their retirement options. Income that cannot be outlived added to social security has provided the financial base for many Boomers, and with that has come a new lowering of stress. As the report states, Boomers who own annuities are less worried about their retirement income and have a lowering of their stress level.

Here is the link to the report, there is substantial and helpful information here:

http://myirionline.org/docs/default-source/research/iri-boomer-expectations-for-retirement-2015-fifthannual-update-on-the-retirement-preparedness-of-the-boomer-generation_2.pdf?sfvrsn=2 I own annuities, and I can easily testify, I am far less stressed about retirement than I was 20 years ago. Stress is a killer and the lower it is in your life means a possibly happier and belter Golden Years.

Here is essential information I found in the report to be helpful: couple of key

• About half (47 percent) of annuity-owning Boomers are extremely or very confident their money will last throughout retirement, compared to only 20 percent of those who do not own annuities.

• A full 79 percent of annuity owners expect to have money for basic expenses and leisure activities in retirement, compared to 47 percent of those who do not own annuities.

• More than half (53 percent) of Boomers who own annuities believe they will retire more comfortably than their parents, as compared with 31 percent of Boomers, who don’t own annuities.

Having enough money to enjoy retirement is the key; it keeps us healthier by reducing stress and happier because we can see our grandkids more. At least that is how I feel about it ABM: Notes for the crew.

-------------------------------------------------Of Interest The DOL as our new partner, their ruling comes in May 2016, my guess is it is already made and they are simply going through the steps to pacify the process. If it stays only on the securities side, we will still need to deal with the new ruling because the NAIC will certainly adopt some if not all of the ruling. At least from the state side we have a better chance of being heard. My opinion is the DOL already knew exactly what it was going to do, 2 years ago. Could this be to appease the BIG group known as AARP?….BB.

–  –  –

You should all watch this video with regards to the DOL ruling.

https://www.youtube.com/embed/_dSNW9ywyOw?rel=0&showinfo=0 Anthony R. Owen What is reasonable compensation?

Labor Department regulators want to dampen the influence of third-party fees and commissions as regulators believe these income streams unduly influence advisors in recommending one product over another. Regulators believe these recommendations may not always be in the best interest of consumers.

http://insurancenewsnet.com/innarticle/2015/08/14/annuity-expert-to-dol-what-is-reasonablecompensation.html FSI: DOL Fiduciary Rule To Cost IBDs $3.9 Billion The Department of Labor’s proposed fiduciary rule will cost independent broker/dealers nearly $3.9 billion in start-up costs, according to a new study commissioned by the Financial Services Institute.

http://wealthmanagement.com/ibds/fsi-dol-fiduciary-rule-cost-ibds-39-billion DOL’s Perez Defends Fiduciary Rule, Setting Up ABM: Notes for the crew.

Legislative Challenge Faced with legislative pressure to slow momentum toward an expanded fiduciary rule, a defiant Labor Secretary Thomas Perez brushed aside criticism in a new letter.


–  –  –

---------------------------------------Kriss emailed me to say that 4 of you have signed up for her appointment setting services, well worth it….BB Kris Montierth Owner, Your Personal Secretary

--Recently I have had a few calls about appointment setting and who I would recommend. There are many variable to consider, but Kris Montierth has always been very professional and in tune to agent needs.

We have a long history with Kriss, she does a great job.

Here website is below.

Appointment setting www.callingleads.com The best number is 865-354-9722 Kriss@callingleads.com and website www.callingleads.com

----------------------------------------------------ABM: Notes for the crew.

2 agents last week.

We can help: Effective September 1, crew members only.

Need help on case prep? Have questions about mutual funds, stocks, bonds? Need help fact finding? We can help you put you case together.

Sometime just a little adjustment is all you need; sometimes just knowing where to find specific information is all you need.

Email me……bbroich@msn.com Hello Partners, Five out of the last five cases I have helped partners design have all been closed. Of course the skill of the writing agent is 99% of the game but that 1% can make a difference.

Don't forget to use me for case design help. Two minds are better than one even if one of them belongs to meJ Thanks for the biz, Anthony R. Owen ABM: Notes for the crew.

Sales and Marketing Carl Muehlemeyer President of First Annuity has a great share with us.

ABM: Notes for the crew.

Betty Arellano had a client give her this offer from American Equity. (sent to client) If your clients add to their annuity, you get fresh compensation and they get a 5% bonus!

ABM: Notes for the crew.

This is a direct to consumer marketing effort from the home office, might be a good time to check with your AE clients

----------------------------------------------Feel free to email me questions to put on Open MIC…bbroich@msn.com ABM: Notes for the crew.

Questions this week regarding leads. BTW…Thanks for the questions, they help all of us!

BTW, I have a new paper coming out dealing with the Affordable care Act and how it will affect the baby Boomer Generation (of which I am one).

I wanted to share this small part with you because it will become a HUGE segment of our lives as we deal with aging. It may seem innocuous but it is not. It is dangerous and it will cause many of our target market to redirect assets. I will explain ore as Open MIC moves along this fall season.

Medicare does not pay for most routine or annual physical exams, most dental plans and dentures, routine foot care, routine eye care, hearing aids and cosmetic surgery.

Dental is a huge financial obligation and did you know that 1/10 seniors who die from pneumonia is sourced from dental negligence?

Q: Bill, I liked your share about Asset Based Long Term Care and decided to pitch it to a prospect. Unfortunately, I am very weak on the details, here is the question.

ABM: Notes for the crew.

I know the difference between Medicare and Medicaid, but a prospect argued with me about it. She said that Medicare did cover long term care needs under some circumstances. Is that true?

A: Medicare does not cover custodial care when that is the only kind of care the patient needs. Care is considered custodial when it is primarily for the purpose of helping with daily living or meeting personal needs and could be provided safely and reasonably by persons without professional skills or training. Much of the care provided in nursing homes to people with chronic, long-term illnesses or disabilities is considered custodial care. For example, custodial care includes help in walking, getting in and out of bed, bathing, dressing, eating, and taking medicine. Even if an individual is in a participating hospital or skilled nursing facility or the individual is receiving care from a participating home health agency, Medicare does not cover the stay if the patient needs only custodial care.

Medicare WILL cover LTC needs for only 100 days, AFTER the patient is sent to the nursing (or convalescent home) directly from a hospital stay.

Here is a terrific source for information regarding Social Security and Medicare facts.


ABM: Notes for the crew.

BTW, here is the share from two weeks ago about Asset Based Long Term Care, in case you missed it.

------------------------------------------Asset Based Long Term Care The Asset Based Long Term Care Approach Nearly all of the recent news about funding options for long-term care tells a story of an industry on its heels. This is particularly true for traditional long-term care insurance (LTCI) products that are, essentially, health insurance policies that can be used to pay for costly end-of-life care in nursing homes or one’s own home.

The vast majority of major insurance carriers offering these policies have had to request rate increases. Pressure points driving the increases include low interest rates, underestimation of policy lapses and the rising costs of long-term care. It was recently announced that one carrier is seeking to raise premium rates on some of its policies by an average of 58 percent.

Another just announced it will stop selling LTCI products in California, following many of its peers in pulling such products from the marketplace.

According to LIMRA, 10 out of the top 20 individual writers of long-term care insurance have exited the market over the last five years. Prudential — the fifth-largest writer of LTCI in 2011 — stopped accepting new applications in the first quarter of 2012.

Meanwhile, Americans are dramatically underprepared to pay for longterm care. According to the National Clearinghouse for Long-Term Care Information, 70 percent of people over age 65 will require some type of long-term care services during their lifetime. On average, care will be required for three years.

But despite the proven need for coverage, LIMRA estimates that only about 7 million Americans have long-term care insurance. The U.S. Census Bureau estimates that, in 2010, there were more than 40 million Americans age 65 and older.

ABM: Notes for the crew.

Viable solutions Unattractive product design, the potential for significant rate increases and consumer apathy have led us to where we are today. But while some companies and financial professionals are walking away from long-term care insurance, others are finding that newer, even better options for their clients are already available — in fact, they are thriving.

These products are known as asset-based long-term care. They are built on the chassis of life insurance. You may have also heard them referred to as hybrid or combo products. With these products in place, when long-term care is needed, the life insurance death benefit value is accessed to pay for qualifying expenses, and the funds are available free of federal income tax.

Consumers are attracted to asset-based long-term care products because of

two major advantages over health-based insurance products:

1) a life insurance payout is made to beneficiaries at the time of death if the policy has not been exhausted for long-term care expenses;

2) Premiums are usually guaranteed, meaning older clients will never be exposed to an increase in the cost, especially at a time when they can least afford it.

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