Blog #155: Marketing Magnification (Using Online Video)

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(There are no InsMark presentations used in this blog.  It is a an informational blog only)

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Bob Ritter's Blog #155 Marketing Magnification Using Online Video Image

mag·ni·fi·ca·tion

Noun:
the action or process of magnifying something or being magnified, especially visually.
"visible under high magnification"

Synonyms:
enlargement, enhancement, increase, augmentation, extension, expansion, amplification, intensification, inflation

There are a couple things happening in the world of marketing that virtually every business needs to understand.

Online Video is the new king.

It’s the king of advertising . . . now reaching more customers every day than TV, radio and print media.

And, it’s the king of consumer education . . . now (by far) the preferred choice of consumers and business people for product research and analysis.

The best way to understand this is to examine your own behavior.  When you want to learn about something, what do you do?  If you’re like most of us, you go to Google, type in a search term and then find a website that looks like it has the information you want.  Then, you click on the website and try to find quick text information that answers your question such as “how much will it cost to purchase PowerPoint software?”  Then, if you want any more detailed information, such as “I need a basic understanding of PowerPoint and how it works”, then you will look for a video on the website to explain this.  That is Online Video.  Or, how many of you just bypass Google altogether and go straight to YouTube, type in your search term there, and start watching videos?  There’s a reason Google purchased YouTube in 2006.

We observed what was happening with Online Video about 5 years ago and started incorporating it into our user support and education.  One example of this is the videos located at The Quickest Way To Learn InsMark support platform.  (As an aside, we strongly suggest that anyone using the InsMark software watch these videos.)

So, what does the explosion in Online Video mean for you?

It means that you have to seriously consider adding Online Video as part of your overall marketing strategy.  And, then this begs the following two questions:

1)  How can you produce video that your target customers want to watch?
2)  How will that video increase your product sales and net profits?

We think we’ve found a fantastic solution that answers both of the questions above.  In short, you can cost effectively leapfrog to the major-leagues of Online Video for your chosen target customer demographic (with distribution of your video content both nationally and in your local market). We will explain all of this more fully during our webinar later this week (see below to learn more).

Important Note:  During the webinar, we will also be offering attendees a special arrangement where if you commit to using InsMark presentations in your consumer videos, you will then receive up to 5 hours of FREE technical support help from InsMark’s video experts.  This could come in handy for any number of reasons (especially for anyone that isn’t that familiar with Online Video).  For example, our experts can help you learn how to set up your business YouTube account, upload videos, and then optimize your videos for Google and other search engines.

Anyway, don’t miss this webinar event!

Scheduled Webinar

To learn about how you can cost effectively produce and distribute Online Video to your key customer demographics, there will be a LIVE one-hour Webinar on Thursday, March 2nd at 11 AM (Eastern).  This Webinar is entitled “Consumer Video Marketing for Cash Value Life Insurance”.  Simply click here to register.  By attending the webinar, you will discover:

  • Why Online Video is the #1 advertising method today….BAR NONE
  • How the “talk show style” is the most effective way to educate the public and then drive qualified prospects to your agency
  • Why Online Video has the longest shelf life of any advertising medium (allowing you to use it over and over again for years to come thereby increasing your return on investment)
  • How changes in the way the Internet has developed creates an ever greater opportunity for you to use Online Video now more than ever before
  • How Steve Savant can help you produce consumer videos that are tailored to the financial strategies that you like the best (and have sold most effectively in the past)
  • How consumer video is now the best return on investment that you can make when compared to every other traditional advertising strategy (i.e. direct mail, TV, radio, etc.)
  • Why you need to learn about this new advertising medium and how it can help you dominate your local market…fast
  • THE COST FOR YOU TO ATTEND THIS WEBINAR IS ZERO.

Steve Savant will be the main presenter during this Online Video webinar.  We are all very lucky to have Steve in our industry.  First, he is an insurance and tax expert.  Second, he promotes and defends cash value life insurance as one of the premier financial products in the market today.  Third, he is aggressively building a media brand to educate consumers through his Online Video talk show programs.  We don’t know of anyone that has Steve’s level of life insurance knowledge, due diligence credibility and digital marketing savvy.  And, while Steve’s media platform helps all of us battle the Dave Ramseys and Suze Ormans of the world, Steve can also give you practical knowledge and turn-key solutions that will improve your marketing results today.

More About Steve Savant

Ken Buckley imageSteve Savant is a syndicated financial columnist and video talk show host. He has been cited on CNN, Fox, NBC, ABC, CBS and appears in 280 publications a month as well as the top online blogger in the insurance industry.  He presently hosts the Let’s Get Down to Business, the daily talk show for advisers and Steve Savant’s Money, the Name of the Game, a weekly consumer show.  Steve is also a contributing author to InsMark, Life Specs and Back Room Technician.

His 30-year career has included over 2,000 wholesale and retail seminars and workshops as well as carrier conventions.  He’s also has taught continuing education courses at the Arizona CPA Society for CPE, as well as accredited courses for CLU®, ChFC®, CFP® & CLE.  Steve also has been a financial guest on KTAR, KFNN, KFYI and KFNX in Phoenix, Arizona, in addition to appearing on the nationally syndicated Business News Radio network as an insurance consultant.

Steve has been published in industry magazines such as Insurance News Net, National Underwriter, Brokers World, Mid West Broker, Life Association News, Business People, Senior Magazine and several broker/dealer newsletters.

Steve’s has spent the majority of his career focusing on tax advantaged life insurance income.

Licensing InsMark Systems

To license any of the InsMark software products, visit our Product Center online or contact Julie Nayeri at Julien@insmark.com or 888-InsMark (467-6275).  Institutional inquiries should be directed to David Grant, Senior Vice President – Sales, at dag@insmark.com or (925) 543-0513.

For help on how to use InsMark software, go to The Quickest Way To Learn InsMark.

InsMark’s Referral Resources
(Put our Illustration Experts to Work for Your Practice)

We created the Referral Resources listed below to deliver a “do-it-for-me” illustration service in a way that makes sense for your practice.  All are IMOs and InsMark Agency Platinum Power Producers®, and they are highly skilled at running InsMark software.  They will utilize your choice of insurance company, and they do not require a commission split.

Mention my name when you talk to our Referral Resources as they have promised to take special care of my readers.  My only request is this: if a Referral Resource helps you get the sale, place at least that case through them; otherwise, you will be taking unfair advantage of their generous offer to InsMark licensees.

Save time and get results with any InsMark illustration!

Testimonials

“Thanks to InsMark, we recently set business goals in our firm that I basically thought were ridiculously unachievable – until now.”
Brian Langford, InsMark Platinum Power Producer ®, Plano, TX

“The reason I use InsMark products is because they are so good at explaining financial concepts to all three parties: 1) the producer trying to explain the idea; 2) the computer technician trying to illustrate it; 3) the customer trying to understand it.”
Rich Linsday, CLU, AEP, ChFC, InsMark Power Producer®, Top of the Table, International Forum, Pasadena, CA

“InsMark’s Checkmate® Selling strategy is still one of the most compelling tools to bring a client to a definitive decision, based on their best case alternatives!!! Solid mathematical comparisons that prove the validity of our insurance solution!!!”
Frank Dunaway, III, CLU, Legacy Advisory Services, Carthage, MO

 

Important Note #1: The information in this Blog is for educational purposes only.  In all cases, the approval of a client’s legal and tax advisers must be secured regarding the implementation or modification of any planning technique as well as the applicability and consequences of new cases, rulings, or legislation upon existing or impending plans.

 

seperator bar

More Recent Blogs:

Blog #154: Smart Alternatives to Traditional Retirement Plans (Part 4 of 5)

Blog #153: Smart Alternatives to Traditional Retirement Plans (Part 3 of 5)

Blog #152: Smart Alternatives to Traditional Retirement Plans (Part 2 of 5)

Blog #151 – The Trump Presidency: How It Will Impact the Sale of Life Insurance Retirement Plans

Blog #150: Smart Alternatives to Traditional Retirement Plans (Part 1 of 5)

 

3 Reasons Why It’s Profitable For You To Share These
Blog Posts With Your Business Associates and
Professional Study Groups (i.e. “LinkedIn”)

 

Robert B. Ritter, Jr. Blog Archive

 

Blog #154: Smart Alternatives to
Traditional Retirement Plans (Part 4 of 5)

Profit Sharing Plan vs. Indexed Universal Life
(for a Business Owner-Executive)

(Click here for Blog Archive)
(Click here for Blog Index)

(Presentations in this blog were created using the InsMark Illustration System)

Getting Started with InsMark Training Video

Bob Ritter's blog 154 Smart Alternatives to Traditional Retirement Plans Part 4 of 5 image

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Jennifer Hunt, age 40, is President and sole shareholder of Midland Oil Supply, Inc., a successful S corporation with 50 employees.  She is in a 40% income tax bracket.  Her adviser has suggested she consider installing a Profit Sharing Plan (“PSP”).

“There are too many employees I’d have to cover,” she replies.  “Besides, we already have a generous 401(k) plan.”

The adviser continues, “If you could do a deductible retirement plan just for yourself, how much would you contribute?”

“Deductible?  Six figures probably -- maybe $250,000.”

Case Study of a Powerful Alternative

$250,000 a year for five years paid into a hypothetical deductible PSP just for Jennifer costs her $150,000 in her 40% income tax bracket, a total of $750,000.

Tax Calculation:  Each year for five years, the deduction of $250,000 for the PSP flows to Jennifer personally (don’t forget Midland Oil Supply is an S corporation).  She realizes a tax savings each year on her personal return of $100,000 (40% of $250,000).  Midland Oil spends $250,000 for the PSP each year, and Jennifer saves $100,000 each year equaling a combined net cost of $150,000 each year ($250,000 minus $100,000).  Assume a 7.00% yield on the funds in the PSP.

Alternative Tax Calculation:  Instead of Midland Oil Supply spending $250,000 each year for five years on the hypothetical PSP, the company distributes those same funds to Jennifer.  She pays $100,000 of income tax each year leaving her with $150,000 which she uses for premiums for a personally-owned Indexed Universal Life (“IUL”) illustrated at the same 7.00%.

Note:  Both sets of calculations would be identical if Midland Oil Supply were a Limited Liability Company.

Retirement is assumed to occur at Jennifer’s age 65 where the IUL is illustrated producing annual, spendable, retirement cash flow of $307,465 using participating policy loans.  The PSP is illustrated producing the identical spendable cash flow of $307,465; however, as you can see below, it unfortunately runs out of funds at Jennifer’s age 75.

Profit Sharing Plan vs. Indexed Universal Life
(Image 1)

Bob Ritter's blog 154 Profit Sharing Plan vs. Indexed Universal Life image

Click here to review the comparative reports for this Case Study prepared using the Other investments vs. Your Policy module in the InsMark Illustration System.  The difference is substantial as the IUL produces more than $6 million in additional spendable cash flow than the PSP.  The PSP is exhausted by Jennifer’s age 75.

Alternative PSP

In order for the cash flow of the PSP to last for as many years as the IUL, Jennifer could withdraw an annual level amount of $270,843.  After tax, this would provide her with spendable cash flow of $162,506, a 47% reduction from the spendable cash flow of the $307,465 provided by the IUL.  The PSP is exhausted at her age 95 compared to the cash value of the IUL at age 95 of $1,508,467 wrapped up in $1,738,042 of death benefit.

Click here for the illustration of this alternative PSP using the Defined Contribution Retirement Plan module available on the InsCalc® tab in the InsMark Illustration System.

Sequential Funding of Additional IUL

Jennifer is age 40 – why illustrate only five years of funding?  Safety valve reasons . . . Jennifer may decide to sell the business, and she likely won’t want to be tied to a multi-year, pre-retirement plan.  After five years, if Midland Oil Supply continues under her ownership, she should do another IUL on the same basis – and maybe another one five years after that.

Conclusion

The PSP is not a close financial competitor.

Additional differences are:

  • Unlike the PSP, tax free cash flow from the IUL can be accessed prior to age 59 1/2 with no 10% premature distribution tax.
  • Unlike the PSP, the IUL provides a significant pre-retirement death benefit for Jennifer’s family.
  • Unlike the PSP, a waiver of premium can be attached to the IUL in the event of disability.
  • In the event, income taxes increase during Jennifer’s retirement as a result of dealing with a runaway federal deficit, cash flow from the PSP will be seriously impacted; the IUL will be unaffected.

 

InsMark’s Digital Workbook Files

If you would like some help creating customized versions of the presentations in this Blog for your clients, watch the video below on how to download and use InsMark’s Digital Workbook Files.

New Zip File Downloaders
Watch the video.

Digital Workbook Files For This Blog

Blog154.zip

Download all workbook files for all blogs

Experienced Zip File Downloaders Download the zip file, open it, and double click the Workbook file name to open it in your InsMark System.

Note:  If you are viewing this on a cell phone or tablet, the downloaded Workbook file won’t launch in your InsMark System.  Please forward the Workbook where you can launch it on your PC where your InsMark System(s) are installed.

If you obtain the digital workbook for Blog #154, Click here for a guide to its content.

 

Licensing InsMark Systems

To license any of the InsMark software products, visit our Product Center online or contact Julie Nayeri at Julien@insmark.com or 888-InsMark (467-6275).  Institutional inquiries should be directed to David Grant, Senior Vice President – Sales, at dag@insmark.com or (925) 543-0513.

For help on how to use InsMark software, go to The Quickest Way To Learn InsMark.

InsMark’s Referral Resources
(Put our Illustration Experts to Work for Your Practice)

We created the Referral Resources listed below to deliver a “do-it-for-me” illustration service in a way that makes sense for your practice.  All are IMOs and InsMark Agency Platinum Power Producers®, and they are highly skilled at running InsMark software.  They will utilize your choice of insurance company, and they do not require a commission split.

Mention my name when you talk to our Referral Resources as they have promised to take special care of my readers.  My only request is this: if a Referral Resource helps you get the sale, place at least that case through them; otherwise, you will be taking unfair advantage of their generous offer to InsMark licensees.

Save time and get results with any InsMark illustration!

Testimonials

“The InsMark software is indispensable to my entire planning process because it enables me to show my clients that inaction has a price tag.  I can’t afford to go without it!”
David McKnight, Author of The Power of Zero, InsMark Gold Power Producer®, Grafton, WI

“The reason I use InsMark products is because they are so good at explaining financial concepts to all three parties: 1) the producer trying to explain the idea; 2) the computer technician trying to illustrate it; 3) the customer trying to understand it.”
Rich Linsday, CLU, AEP, ChFC, InsMark Power Producer®, Top of the Table, International Forum, Pasadena, CA

“InsMark’s Checkmate® Selling strategy is still one of the most compelling tools to bring a client to a definitive decision, based on their best case alternatives!!! Solid mathematical comparisons that prove the validity of our insurance solution!!!”
Frank Dunaway, III, CLU, Legacy Advisory Services, Carthage, MO

 

Important Note #1:  The hypothetical life insurance illustration associated with this Blog assumes the nonguaranteed values shown continue in all years.  This is not likely, and actual results may be more or less favorable.  Actual illustrations are not valid unless accompanied by a basic illustration from the issuing life insurance company.

Important Note #2:  Many of you are rightly concerned about the potential tax bomb in life insurance that can accidentally be triggered by a careless policyowner.  Click here to read Blog #51: Avoiding the Tax Bomb in Life Insurance.

Important Note #3:  The information in this Blog is for educational purposes only.  In all cases, the approval of a client’s legal and tax advisers must be secured regarding the implementation or modification of any planning technique as well as the applicability and consequences of new cases, rulings, or legislation upon existing or impending plans.

“InsMark” and “InsCalc” are registered trademarks of InsMark, Inc.

seperator bar

More Recent Blogs:

Blog #153: Smart Alternatives to Traditional Retirement Plans (Part 3 of 5)

Blog #152: Smart Alternatives to Traditional Retirement Plans (Part 2 of 5)

Blog #151 – The Trump Presidency: How It Will Impact the Sale of Life Insurance Retirement Plans

Blog #150: Smart Alternatives to Traditional Retirement Plans (Part 1 of 5)

Blog #149: New Technology That Creates Radical Opportunities

 

3 Reasons Why It’s Profitable For You To Share These
Blog Posts With Your Business Associates and
Professional Study Groups (i.e. “LinkedIn”)

 

Robert B. Ritter, Jr. Blog Archive

 

Blog #153: Smart Alternatives to
Traditional Retirement Plans (Part 3 of 5)

Solo 401(k) Plans — Great for Retirement or
Is There a Better Solution?

(Click here for Blog Archive)
(Click here for Blog Index)

(Presentations in this blog were created using the InsMark Illustration System)

Getting Started with InsMark Training Video

Bob Ritter's blog 150 image 1 wealthy retired couple sitting on the beach

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My good friend, Wayne Weaver, a principal with First Financial Resources, uses a wonderful phrase when referring to retirement planning, “Tax the seed, not the harvest”.  Wayne is making the distinction between 1) deducting contributions in exchange for taxable retirement cash flow versus 2) using after tax dollars to fund either indexed universal life (“Indexed UL”) or indexed survivor universal life (“Indexed SUL”) in order to obtain tax free retirement cash flow using participating loans.

We’ll examine Wayne’s logic in this Blog using one of the most dynamic of qualified plans, a Solo 401(k), a strategy used by self-employed and owner-only companies.  The conclusions you can draw are applicable to any form of deductible 401(k), 403(b), IRA, Keogh, Section 457, or profit sharing plan.

Contribution Limits for a Solo 401(k)

An eligible employee can stash away as much as $18,000.  The company can contribute an additional 25% of compensation up to a maximum of $54,000, including the employee contribution – and $6,000 more if age 50 or older.  The amount can double if a spouse is also employed (think of doctors).  These contributions are discretionary, so the maximum can be saved in flush years and nothing in tougher times.

Below is a summary of the Solo 401(k) plan limits for 2017:

Bob Ritter's blog 153 image-2-summary-of-the-Solo-401(k)-plan-limits

Case Study (both doctors are in the same practice)

David Bennett, MD: Vascular Surgeon, age 50
Lily Bennett, MD: Anesthesiologist, age 50
Retirement age: 70
Marginal Tax Bracket: 40%
Plan: Max Solo 401(k) for each – assumed yield: 7.00%
Max contribution: $60,000 each ($54,000 plus $6,000 catch-up for a total of $120,000)
Annual after tax cost of both Solo 401(k)s: $72,000
Alternative funding: Indexed SUL at 7.00% – Premium: $72,000

Note:  In the illustrations that follow, I have combined both David and Lily’s numbers into one Solo 401(k) and one Indexed SUL.  If you use the logic of this Blog, you should probably do individual plans for each of them (due to likely personal preferences).

Below is the comparison showing a significant advantage to the Indexed SUL where the participating policy loans starting at age 70 produce annual after tax cash flow of $248,296.  If the Solo 401(k) matches that after tax cash flow, its values are depleted by age 86.

Solo 401(k)
vs.
Indexed Survivor Universal Life
Image 1

Bob Ritter's blog 153 image-3-Solo-401(k)-vs-Indexed-Survivor-Universal-Life

Click here to review the comparative year-by-year numbers and associated graphics from the Other Investments vs. Your Policy module in the InsMark Illustration System.

In addition to the difference in retirement cash flow, the Indexed SUL has several other advantages:

  • Unlike the 401(k), the Indexed SUL provides a significant life insurance death benefit for Robert and Lily’s family.
  • Unlike the 401(k), a waiver of premium can be attached to the Indexed SUL in the event of disability.
  • Unlike the 401(k), tax free cash flow from the Indexed SUL can be accessed prior to age 59 1/2 with no 10% premature distribution tax.
  • At the conclusion of the illustration, the Indexed SUL contains $1,141,336 of residual cash value and death benefit; the Solo 401(k) has $0 residual value.
  • If it turns out that a significant income tax hike will be required in the future to deal with the federal deficit, the 401(k) will be seriously impacted, and the Indexed SUL will be unaffected.  Below is an example of what the comparison looks like if a 70% income tax bracket were to occur at the Bennetts’ retirement in ten years (not a farfetched assumption).  It’s not a pretty picture.
Solo 401(k)
vs.
Indexed Survivor Universal Life
Retirement Income Tax Bracket Increases to 70%
Image 2

Bob Ritter's blog 153 image-4-Solo-401(k)-vs-Indexed-Survivor-Universal-Life-Retirement-Income

Click here to review this variation.

Takeaways

“Compared to What” remains a benchmark of any sound financial analysis.  And always remember Wayne Weaver’s advice: “Tax the seed, not the harvest.”

Cash value life insurance is an exceptional alternative to a deductible 401(k), 403(b), IRA, Keogh, Section 457, or profit sharing plan.  InsMark can really help you convey this to your clients and prospects.

The only exception to this point involves plans where an employer is making a matching contribution – such as a 401(k).  In that instance, the employee should continue with a contribution large enough to max out the employer’s match and direct an amount equal to the after cost of the difference to an indexed life insurance policy.  Blog #61: Sacrificing Cash Flow with a 401(k) Plan discusses this approach in detail.

Another approach is to ask this question of a client who is maxing out a contribution to a deductible 401(k), 403(b), IRA, Keogh, Section 457, or profit sharing plan:
“If you could contribute more to your deductible plan, would you?”

You will be surprised at the answers you get.  For those that indicate they would contribute more, ask “how much?” To see how to present this concept, read Blog #68: A Pretend 401(k) Plan vs. Indexed Universal Life.

 

InsMark’s Digital Workbook Files

If you would like some help creating customized versions of the presentations in this Blog for your clients, watch the video below on how to download and use InsMark’s Digital Workbook Files.

New Zip File Downloaders
Watch the video.

Digital Workbook Files For This Blog

Blog153.zip

Download all workbook files for all blogs

Experienced Zip File Downloaders Download the zip file, open it, and double click the Workbook file name to open it in your InsMark System.

Note:  If you are viewing this on a cell phone or tablet, the downloaded Workbook file won’t launch in your InsMark System.  Please forward the Workbook where you can launch it on your PC where your InsMark System(s) are installed.

If you obtain the digital workbook for Blog #153, Click here for a guide to its content.

 

Licensing InsMark Systems

To license any of the InsMark software products, visit our Product Center online or contact Julie Nayeri at Julien@insmark.com or 888-InsMark (467-6275).  Institutional inquiries should be directed to David Grant, Senior Vice President – Sales, at dag@insmark.com or (925) 543-0513.

For help on how to use InsMark software, go to The Quickest Way To Learn InsMark.

InsMark’s Referral Resources
(Put our Illustration Experts to Work for Your Practice)

We created the Referral Resources listed below to deliver a “do-it-for-me” illustration service in a way that makes sense for your practice.  All are IMOs and InsMark Agency Platinum Power Producers®, and they are highly skilled at running InsMark software.  They will utilize your choice of insurance company, and they do not require a commission split.

Mention my name when you talk to our Referral Resources as they have promised to take special care of my readers.  My only request is this: if a Referral Resource helps you get the sale, place at least that case through them; otherwise, you will be taking unfair advantage of their generous offer to InsMark licensees.

Save time and get results with any InsMark illustration!

Testimonials

“The InsMark software is indispensable to my entire planning process because it enables me to show my clients that inaction has a price tag.  I can’t afford to go without it!”
David McKnight, Author of The Power of Zero, InsMark Gold Power Producer®, Grafton, WI

“The reason I use InsMark products is because they are so good at explaining financial concepts to all three parties: 1) the producer trying to explain the idea; 2) the computer technician trying to illustrate it; 3) the customer trying to understand it.”
Rich Linsday, CLU, AEP, ChFC, InsMark Power Producer®, Top of the Table, International Forum, Pasadena, CA

“InsMark’s Checkmate® Selling strategy is still one of the most compelling tools to bring a client to a definitive decision, based on their best case alternatives!!!  Solid mathematical comparisons that prove the validity of our insurance solution!!!”
Frank Dunaway, III, CLU, Legacy Advisory Services, Carthage, MO

 

Important Note #1:  The hypothetical life insurance illustration associated with this Blog assumes the nonguaranteed values shown continue in all years.  This is not likely, and actual results may be more or less favorable.  Actual illustrations are not valid unless accompanied by a basic illustration from the issuing life insurance company.

Important Note #2:  Many of you are rightly concerned about the potential tax bomb in life insurance that can accidentally be triggered by a careless policyowner.  Click here to read Blog #51: Avoiding the Tax Bomb in Life Insurance.

Important Note #3:  The information in this Blog is for educational purposes only.  In all cases, the approval of a client’s legal and tax advisers must be secured regarding the implementation or modification of any planning technique as well as the applicability and consequences of new cases, rulings, or legislation upon existing or impending plans.

“InsMark” is a registered trademarks of InsMark, Inc.

seperator bar

More Recent Blogs:

Blog #152: Smart Alternatives to Traditional Retirement Plans (Part 2 of 5)

Blog #151 – The Trump Presidency: How It Will Impact the Sale of Life Insurance Retirement Plans

Blog #150: Smart Alternatives to Traditional Retirement Plans (Part 1 of 5)

Blog #149: New Technology That Creates Radical Opportunities

Blog #148: More New Logic for Permanent vs. Term (Part 3 of 3)

 

3 Reasons Why It’s Profitable For You To Share These
Blog Posts With Your Business Associates and
Professional Study Groups (i.e. “LinkedIn”)

 

Robert B. Ritter, Jr. Blog Archive