Transamerica Life Insurance:  
MyWFG.com  >   Menu >  Recruiting & Selling >  TransAct
OR
New Cases:  1-800-322-3796;  Customer Services for in force policies:  1-800-851-9777;  Fax: 1-866-592-4535. 
URL:  https://tlic.transamerica.com/portal/public/tlc
Regional VP:  Sal Impravido  646-764-2323,   email:  sal.impavido@transamerica.com

Nationwide：
Hotline dedicated to WFG  Tel.  1-855-455-4139,    Fax  1-888-677-7393;  URL:  https://nationwidefinancial.com/#!/
Regional VP:  Zac Raymond  614-361-1080, z.raymond@nationwide.com

Pacific Life:  
WFG hotline:  888-595-8298,  Track or submit your business online at https://loginportal.pacificlife.com/
National Sales Director:  Fred Lee  214-738-6175, fred.lee@pacificlife.com

Crump:
 WFG hotline:  888-232-4872

AMS Financial Solution Group:
All annuity sales and life insurance through Symetra
https://wfg.amsfsg.com/Login.aspx
Run IUL illustration as a guest: https://amsfsg.com/wfg-symetra-domesitc/
Illustrator login username: GuestProducer
**Illustrator login password: Swifty16!
dedicated to WFG,  Bethany Romero Sapienza
1-866-413-2804 ext 26;    fax 225-930-0846
email:  bethany.sapienza@annuitymarketing.com
Mark Mietus (VP) 800-448-4510,  847-650-8371 (cell)  email: mark.mietus@amsfsg.com

OneAmerica Asset Care Calculator: Running a LTC quote without an appointment
https://www.oneamerica.com/caresolutionscalculator/index.html

Everest:  Funeral Concierge + Life Insurance
https://www.everestfuneral.com/wfg-us/
Caren Guidry 713-993-1918 or 832-547-3144

​Prudential Annuity:  Bo Barrett 281-731-4242
Jackson Nation Life and Annuity:    Justin Newman  832-808-5533

Jerrin and Albert's team used these questions to disturb the potential clients and closed a lot of sales.  Thanks to Jerrin for sharing them with us.

1.  When was the last time you sat with a financial professional? Never?
Really?
2. What do you have in terms of retirement plan?
3. How about college planning accounts?
4. Have you set up anything to protect your family & assets? Life Insurance?
5. Any other investments? Mutual Fund? Stocks? Bond?
6. What are some of the fixed accounts that you know? How much interest
rate do you get in savings, or CD?
7. What are some of the accounts do you that are variable strategy?
8. If you had a $100,000 and the market went down 50%, how much would
you have? If the following year the market went back up 50%, how much
do you end up with?
9. With index strategy the account gives you compound interest. Do you
think compound interest is powerful?
10. Out of all the 3 different strategies, which strategy can grow our money
best?
11. What are some of the accounts that you know of that you have to pay tax
right away on any growth?
12. What are some accounts that you know of where you SAVE SAVE SAVE and
when you take it out, you have to pay a cut to the government (taxes)?
13. Can you imagine you save up all this time and the government take
20%-30% of you nest egg?
14. Did you know there are some age restrictions on these accounts?
15. Have you heard about the 59 ½ rule before?
16. Did you know if you take out money before 59 ½ you have to pay 10% age
penalty, and pay taxes on what you take out?
17. Did you know that at 70 ½, you are req to start taking out money?
18. After showing limitations: do you think a millionaire uses 401K and IRA?
19. What are some accounts that you can grow your money and pay no taxes?
20. Have you heard about Roth IRA before?
21. Did you know that when you take out money from Roth IRA, you don’t have
to pay tax?
22. What are some other accounts that you know are tax free?
23. Did you know if you put away some money under 529, you can later use
that money to fund for your kids college education?
a. You never heard of it before?
24. Any other account that is tax free that you know of?
25. Have you heard about 7702 program before?
a. It’s a tax code for life insurance. Did you know?
26.What have you heard about life insurance before?
a. Do you know how it works?
27. Imagine losing the breadwinner of the family. If life insurance can protect
the family, is that quite powerful?
28. Did you know that you can take out money tax free from your insurance
program?
29. Have you heard about wealthy people investing so much money in life
insurance?
30. Did you know that if there is a lawsuit the court can’t touch the $ in there?
31. If the money in here had no age restriction or RMD (required minimum
distribution) , will that be even better?
32. By the way, if you could use that money in this program for any purpose,
would you like that advantage?
33. Just like any program you might be wondering is there a catch to this
program. Yes, you have to be health to qualify for this program and its
benefits. Besides that, do you like to see how there program work?
--------------------------

​
7 Questions To Sell Annuities

Be sure to print this out and keep it by your phone
so you can refer to these 7 questions.
These seven questions (that are part of our Master Closer process) are
“Presupposition Questions” which means they presuppose that people
know the answers. And when they don't, they realize, intrinsically,
"Well, I need to know the answer to that question."
The 7 Questions:
1. How old will you be when you run out of money in retirement?
2. How much income will your retirement savings produce?
3. How much income do you need to live your Desired Retirement
Lifestyle?
4. How much will taxes on your IRA’s, 401(k)’s and Social Security hurt
your retirement income. (This number could shock you)
5. How much will your income go down if the market crashes?
6. How much of your retirement income is guaranteed?
7. Do you have your money in assets that grow to outpace inflation, but
are protected from market crashes?
Need

Sales Process 销售流程

​Invitation/Setting Appointments
Use Gold Triangle.  Invite both spouses.

Presentation (Trainee-Trainer- Prospect Triangle)
     Connecting (Build Rapport).  Follow FORM
     Credibility
     Concepts
     Collecting data
     Closing for next exposure

Run Illustration

Transamerica:  MyTransware
Access through mywfg.com or directly through your Transamerica portal：
 https://tlic.transamerica.com/portal/public/tlc

Nationwide:  Use installed software or run illustration online
https://nationwidefinancial.com/
Log in. Under “Topics"  >  " Tools"

Present the Illustration 


Fill in Application

Transamerica:  iGO
 https://tlic.transamerica.com/portal/public/tlc

Nationwide:  Use installed software or run illustration online
https://nationwidefinancial.com/
Log in. Under “Topics"  >  " Forms"​ > "iPipeline electronic applicaton"

Schedule a paramed exam/ interview (if needed)

Follow up:  Address outstanding requirements

Deliver the policy

Ongoing services: 
Adjust premium mode and health risk rating, dollar cost averaging,  annual review