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SIMPLE RETIRMENT SOLUTIONS (SRS)
Get step-by-step training, tools, and resources to confidently deliver smart, simple retirement solutions.
DEFINING SRS - WHAT IS THE DIFFERENCE BETWEEN IULS AND ANNUITIES?
A type of permanent life insurance that offers both a death benefit and a cash value component. The cash value grows based on the performance of a market index (like the S&P 500), giving policyholders the potential for higher returns than traditional whole life insurance—while still protecting against market losses with a built-in floor. IULs offer flexibility in premium payments and death benefit amounts, making them a popular option for both protection and long-term financial planning.
IUL:
ANNUITY:
A financial product offered by insurance companies that provides a stream of income, typically for retirement. In exchange for a lump sum or series of payments, the annuity pays out money over time—either for a set period or for the rest of your life. Annuities can be fixed, variable, or indexed, and are often used to create a reliable income stream, grow savings tax-deferred, and provide protection against outliving your money.
3 STEP QUICK-START TO SRS SALES
COMPLETE THE REQUIRED TRAINING
If you need to get contracted with any IUL & Annuity carriers, complete the appropriate training:
"IUL Bootcamp Outline"
or "Annuity 101"
​
Once completed, screenshot the completion page & send to your contracting manager.
IUL TRAINING VIDEOS
​"Watch these training videos in sequence and keep your notes handy—they’re filled with insights to help you elevate your skills and win more business.
GETTING STARTED WITH IULS
Download the PowerPoint: HERE
BREAKING DOWN THE BASICS
Download the PowerPoint: HERE
UNDERSTANDING IULS & WHERE TO FIND THEM
PRIME IUL CANDIDATES
IUL PRODUCT COMPARISON BY CARRIER
IULE
$25K - $300K (Ages 18-50)
$25K - $250K (Ages 51-60)
$25K - $150K (Ages 61-75)
Good first option for anyone in these age brackets with a death benefit less than the listed amounts.
*The only IUL option that issues in amounts below $50K in death benefit.
IUL
AGES 18-75
$50K MINIMUM UP TO $450K
Instant decision - perfect for clients looking for wealth building, but with a lower barrier of entry into the IUL space.
*Good for clients with limited budgets, non-medical instant decision.
PATHSETTER
AGES 15 DAYS - 75 YEARS
MINIMUM $50K (AGES 70 & BELOW)
MINIMUM $100K (AGES 71-75)
Focused on accumulation, income and living benefits.
*A lot of agents like F&Gs IUL Illustration because it is "prettier" and easy for clients to understand.
FLEX LIFE
AGES 0-85
Ages 18-50 up to $3M in Death Benefit
Ages 51-60 up to $1M in Death Benefit
Ages 61-65 up to $250K in Death Benefit
Individuals in their 30s-50s looking for cash value accumulation and income.
*Offers protection, flexibility, and wealth-building opportunities in one policy.
SUMMIT LIFE
AGES 0-85
Ages 18-50 up to $3M in Death Benefit
Ages 51-60 up to $1M in Death Benefit
Ideal for high-net-worth individuals seeking wealth accumulation with $1M face amount policies.
*Essential riders like the Lifetime Income Benefit Rider (LIBR) for guaranteed lifetime income.
ANNUITY TRAINING VIDEOS
"Watch these training videos in sequence and keep your notes handy—they’re filled with insights to help you elevate your skills and win more business.
SELLING ANNUITIES SIMPLIFIED
ANNUITY SUCCESS BLUEPRINT
ANNUITY SALES HACKS
HOW TO CLOSE ANNUITY SALES
MOCK ANNUITY APPT - PART ONE
MOCK ANNUITY APPT - PART TWO
ATHENE ANNUITY PRODUCTS BREAKDOWN
Growth Retirement Savings: A variety of interest crediting strategies help grow your money and protect you from market downturns.
Increased Flexibility: Add an optional liquidity rider that provides access to your money if needed.​
Earn a Premium Bonus: Premium Bonus is credited at issue and immediately increases your annuity's accumulated value. ​
**Allows you to allocate your money among one or more of several interest crediting strategies.
For more information on this product, CLICK HERE
Protected Growth: Any interest you earn is locked in and can’t be lost to future market downturns.
Guaranteed Retirement Paycheck: Create a stream of income that may continue to grow throughout retirement.
Ability to Access Money: Liquidity and income features help ensure you’re prepared in case you need access to funds.
*Offers income and death benefit rider, automatically, at no additional cost.​​
For more information on this product, CLICK HERE
Guaranteed ROP: Additional protection from unpredictable circumstances, which allows for return of premium, within contract parameters. Benefit applies with additional charge.
Guaranteed Minimum Interest Credit: Receive a guaranteed accumulated value at the end of your withdrawal charge period with our minimum interest credit feature.
Guaranteed Protection From Market Risk: Your annuity's accumulated value will never decrease due to market performance.
For more information on this product, CLICK HERE
Growth Potential: Pursue growth based in part on the performance of an external market index.​.
Guaranteed Income: A built-in feature, allows for creating a guaranteed income stream that can last through retirement.​
Protection From Market Risk: Your money is not directly exposed to the risk of the stock market or individual stocks.
**Offers a built-in rider that converts a portion of savings into a stream of income you can count on.
For more information on this product, CLICK HERE
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