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SIMPLE RETIRMENT SOLUTIONS (SRS)
Explore step-by-step training, tools, and resources to confidently offer clients 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
Settle in and watch these training videos in order. Be prepared to take notes - these trainings are packed with powerful insights to help you level up your skills and close 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
Settle in and watch these training videos in order. Be prepared to take notes - these trainings are packed with powerful insights to help you level up your skills and close more business!
FOR ADDITIONAL ANNUITY HELP, PLEASE CONTACT OUR ANNUITY SPECIALIST, HAYDEN HILL
PHONE: (480) 747-5228
EMAIL: HAYDEN@FFLLIMITLESS.COM
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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