March 2019 - Creative Edge

Writing 403(b) business?

Are you writing 403(b) business?  North American may have the tools to help your business grow. A 403(b) tax-sheltered annuity is a retirement program allowed by the Internal Revenue code, allowing employees of most tax-exempt 501(c) (3) organizations to contribute pre-tax dollars for their retirement. The 403(b) plan regulations clarify that a 403(b) plan is… Read More


IULs: New Entrance – Bigger Game?

2019 is the year of the IUL. To quote the recent Lego movie soundtrack, “Everything is awesome.” We’ve heard the rumors about the anticipated additions and new features to come in 2019, but we’ve have one more instore for our advisors. We’re pleased to announce the addition of Pacific Life to the CreativeOne breadth of… Read More

Related terms: Life



Identity Theft Protection – $1 million ID theft insurance and recovery 

March 26 2019

by Kati Hess

Did you know more than 41 million Americans have had their identities stolen1? Many of those individuals are older adults, and maybe it’s happened to someone you know. Why not be part of the solution that protects your clients, where you get a 25-percent commission? Introducing Identity Force, a company with 40 years of experience protecting… Read More


Could Your Clients’ Portfolios Withstand A Bear Market?

Since March 2009, the S&P 500 has gained over 300%. Unfortunately, when long-run bull markets end, the decline can be dramatic. In fact, the average bear market return is -45%. Could your clients afford for their $100,000 investment to become $55,000?   Plus, it can take a significant return to recover from loss. If today’s… Read More


NYSE® EXPANDED OPPORTUNITIES INDEX

Available exclusively in the Transamerica Secure Retirement Index® II Annuity Objective: Long-term growthApproach: Leverages a proprietary asset class forecasting and allocation model that mimics the strategies used by the Solutions & Multi-Asset Group Asset Classes: Represented by 13 indices and exchange-traded funds (ETFs) with global exposure across equities, bonds, and alternatives. 1 Morgan Stanley Investment… Read More


Corvettes, Blind Spots and Active Policies

Life insurance policy reviews — we hear about this all the time, maybe too often.   On Google there are nearly 25 million results! So, let’s not rehash what’s generally done to evaluate life-changes-based reviews: marital status, large purchases, children, dependents, employers, beneficiaries, and so forth. Google it, there are lots of incredible resources. Let’s… Read More

Related terms: Life



Checkups 101 … Advisors and dentists aren’t too different

A critical key to building a dental profession is connecting with people and helping them feel comfortable. So much so, clients continue to come back to the dentist looking for potential hazards of the trade… brushing habits, teeth grinding, gum health, and dental decay. Dentists continually assess current symptoms, but help us outmaneuver poor behaviors… Read More

Related terms: Life



Too Young to Give it All Away: Accumulation Sales Strategy

March 21 2019

by Mark Shelton

Do you think estate tax planning is all about the client’s beneficiaries? THINK AGAIN!   Properly structured planning is client-centric, flexible and should be highly liquid. See how this design concurs servicing policy debt, transforms compound interest and turns it into simple interest. Let’s face the facts: many estate planning sales have stalled out because… Read More

Related terms: Life



Welcome Pacific Life

March 21 2019

by Steve Baum

For 100 years Pacific Life has been a well-known brand and one of our most requested life insurance carriers. We’re pleased to announce the addition of Pacific Life to our suite of life insurance offerings. You can now lean on your CreativeOne team to process your Pacific Life business.   Pacific Life News   Pacific… Read More


#LifeHack – New 4% Rule by AIG

Need help explaining to your clients exactly how much they should be targeting to save for a comfortable retirement?  We all love things that make our jobs easier and faster… This new iteration of the “4% Rule” shows you how to assist your clients in planning their ideal savings for retirement in a few quick… Read More