Introducing an Ultra-Exclusive Index Annuity with limited distribution

We wanted you to be one of the very first to get the details of an Ultra Exclusive Index Annuity that is going to transform the annuity landscape.

Introducing an Ultra-Exclusive Index Annuity with limited distribution

Total Value Annuity

• Up to 10% bonus*

• An Income Rider with ultra-competitive payout factors and a Home Healthcare Doubler

• Uncapped interest crediting strategy based on an Index option proprietary to SBL**

• A Death Benefit Rider option with a lump sum payout of the Death Benefit Base***

• An Income Rider Benefit Base that increases at a 4% compounded annually + any interest crediting option credits****

• A 7% street level commission

Stacking Roll-up to Income benefit Base or Death Benefit Base*****


1. Guaranteed – 4%

2. Last 10 years – 7.80%

3. Worst 10 years – 7.67%

4. Median 10 year – 9.51%

5. Best 10 years – 10.37%



Call me today to see if you qualify to offer this product! Dustin Leonard @ 800-407-4137

*Depending on state, if a rider is purchased, and age. ** Depending on market conditions, participation rates and spreads may apply in the future. *** Capped at 300% of total premium **** “compounded annually” refers to the way the Benefit Base is calculated. It is not 4% compound interest to the accumulation value and is not an amount available for withdrawal, annuitization or payoable at death. ***** Income Benefit Bast is not available for withdrawals, death benefit or annuitization. Death Benefit Base is not available for withdrawals or annuitization. The Stacking Roll-up is not interest credited to the Total Value Annuity.

Social Security Solutions

In 2011, nearly 55 million American will receive $727 billion in SS benefits. The average monthly benefit for retired workers is roughly $1,175 per month. Most of these people don't realize their monthly income could have been substantially higher if they delayed beginning their SS even by one year.

This system will help illustrate the fundamentals of income planning, allowing your client to put together a holistic income plan while taking into consideration the decisions that must be made and the tough questions that need answered. This system closely examines the 5 key areas of Social Security:


Now vs. Later Analysis: The BIG question everyone is asking, “When should I start taking Social Security?” Illustrates the difference between taking Social Security benefits now versus later.



Spousal Options: Find out the best way to get money for your spouse and how to maximize your benefit together.

Impact of Working in Retirement: More and more Americans age 65 and older are still working in traditional retirement years. How will working in retirement affect Social Security benefits?



Taxation of Benefits: “Do I have enough to pay taxes on my Social Security benefit?” And, “Is there any way to pay less tax?”


Solving the Income Gap: You know how much you want to live on. You know how much you have. We find out how to bridge the gap.


By truly understanding Social Security and all the options available, you can help your client make better decisions for their family. Even if they have started taking social security, there are some concepts that you may be able to implement to make their retirement more financially comfortable. Even if your client plans to take the plunge on their 62nd birthday (about half of workers do), they owe it to themselves and their spouse to learn about Social Security and how to get the most out of it.

Call me to schedule a 30 minute appointment so that I can walk you through how this platform works.

Don't forget your spouse!

As you can imagine, Gradient Insurance Brokerage fields hundreds of incoming phone calls each day from producers like you who are working on specialized and unique case situations. Each casework scenario varies based on the needs of the prospect or client, so there is no one solution to fit all. However, a question that does arise more often than not is, “What happens to a spouse if/when their husband or wife dies? What options will the spouse have?” This is a question that I like to hear because one of the most vital things that I can assist you with is the structure of the annuity. It’s important to assign the proper owner, annuitant and beneficiary based on the goals your client is seeking to accomplish and each company will vary slightly in how they view a particular situation. Below is a prime example:

When dealing with joint ownership (husband and wife) most producers want to structure the policy to give the surviving spouse the option of keeping the contract or taking the death benefit. For some companies, that is exactly how it will work. However, other carriers will automatically pay the death benefit when the first spouse passes, eliminating some of the choice and flexibility that you may have intended for the surviving spouse. The answer to this problem may be as simple as choosing another carrier that will structure it appropriately for your clients’ needs. We can often help avoid this problem while still allowing your clients to choose the first product and carrier of their choice. In some cases, we may be able to accomplish the end goal by purchasing 2 policies, one owned by the husband and one by the wife.

Another area where this is applicable is with regard to income riders. The popular question is, “Should I set it up for joint or single payout?” This question is important because some income riders have spousal continuation and some do not. Some allow for joint payouts with a single owner, while others do not. Be sure to communicate with me about the end goal and I will help you make the most appropriate choice for your client’s needs.

We pride ourselves in our knowledge of products and ability to navigate the varying objectives your clients wish to accomplish. I want to invite you to involve me as much as possible when building these cases, so I can help ensure that your goals and the goals of your clients are met in full. Don’t forget to plan for the needs of the surviving spouse and to provide the choices and flexibility they desire.

Call me today with your casework and happy selling. 800.407.4137

Empowering Women

Men and women view financial matters from different perspectives, and those differences can have a powerful and meaningful impact on how you prospect for new clients and retain satisfied advocates.

Despite being more educated and financially empowered than any past generation, many women are still insecure when it comes to investments, retirement planning and their financial future. Women, even more so than men, value guidance and are looking for a trusted financial advisor to help them navigate through retirement years.

March is National Women's History Month, which means there is no better time to start incorporating a marketing campaign geared toward empowering women.

Why does marketing to women work so well?

-According to the IRS, HALF of all individuals with at least 500k in investable assets are women

-Senior women age 50 and older control more than 3/4 of the nation's financial wealth

-95% of women contribute to financial decisions and 50% are looking for assitance from a trusted advisor

-Women are TWICE as likely as men to look for safety and guarantees

-69% of women preferred index annuities with lifetime income guarantees rather than potential for higher earnings...the exact opposite of men!

Doesn't it make sense to start directing your marketing at the group of people that most values the very thing you provide...safety, guarantees, peace of mind.

The newest addition to our suite of sales systems is the "Empowering Women" campaign. Complete marketing, education, sales tools and mentor ship available. To get started, simply email me at dleonard@gradientfg.com.