What if they needed medical attention, but treating
facilities were unable to handle the influx of illnesses...and
their domestic insurance couldn’t protect them?
By offering global insurance programs from International
Medical Group®, you can easily protect your clients from
the unexpected. And you can do it while earning quick
One call. One company.
Your international resource.
1.866.368.3724 | 1.317.655.4500
worst of times, a case for indexed products can be made either way.
The best of times
Let’s assume the glass is half full, and
almost four years since the financial crisis began, the skies are brightening for
the long term. Your client needs more
life insurance protection for his family
and a place to stash more supplemental retirement savings. The low interest
rates on fixed annuity products don’t
give him much, if any, real growth potential. Those same low rates make traditional guaranteed universal life products more expensive as prices need to
accommodate low interest rate assumptions in the future.
Enter the indexed annuity and indexed UL policy with secondary guarantees. If we are in for a seemingly long
overdue and sustained rise in the equity markets, both will have the market
exposure necessary to help provide a
greater potential return than that offered
by traditional fixed products. Yet that
exposure won’t come with the sickening volatility that pure equity products
have produced in the last decade.
The worst of times
Okay, so your client thinks the rise in
the markets over the last three years is
just another head fake. Or is it? If he
tends to think negatively about the future prospects for the market, being in
an indexed product isn’t the worst place
to be. Sure, there’s a chance that he will
earn nothing, but what is he giving up
if this happens? His opportunity cost is
low, as defined by the 1% or 2% yield
on the fixed products that he passed up.
And most importantly, if the market
does what he thinks it won’t — perform
well — he will already be in the right