FFL – Family First Life – VIDEOS

2021

  • 2021 03 – Grow Family First Life – FFL – FFLAMS IUL 101 – Global Atlantic, Nate Geurkink, Vice President of Business Development – [VIDEO-YouTube]
    • Platinum Partner, FFL
    • 00:39 – Cash Value Account – Most common reason people buy it.
    • 01:00 – Caps, ups downs, 
    • 03:00 – Reasons people buy IUL’s
      • Retirement
        • Distinct Advantage of IUL’s
          • No Contribution Limits
          • Tax Free Death Benefit
          • Tax Free Income – Seeds vs Harvest
        • 100k to 1m
          • 401k vs IUL
          • Tax rates
          • 07:00 – Taking Money out [Bonk: Loans]
            • What are tax rates going to be in the future
      • Who Buys IULs? – Under 50, relatively healthy, Retirement Income, Tax Concerns, Life Insurance Need
        • Self-Employed, Biz owner, MD, High Income, Unsatisfied, Short Fall.
      • 12:00 – Power of IUL
        • Example – 7.5% Illustrated Rate, 
      • 17:00 – Living Benefits
  • 2021 10 – Family First Life – Why Everyone Needs an IUL – #2 Tax Free Income – [VIDEO-YouTube]
  • 2021 11 – 4 Reasons Why Everyone Needs an IUL
    1. 2021 1108 – FFL / IMG – Why Everyone Needs an IUL – #1 Death Benefit – [Sean Ruggeiro] – [VIDEO-YouTube-07:20]
    2. 2021 1109 – FFL / IMG – Why Everyone Needs an IUL – #2 Tax Free Income – [Sean Ruggeiro] – [VIDEO-YouTube-12:08]
      • 9-12 – Illustration, Very realistic, 
      • [Bonk: Connect: NAIC IULSG – 
    3. 2021 1123 – FFL / IMG – Why Everyone Needs an IUL – #3 Long Term Care – [Sean Ruggeiro] – [VIDEO-YouTube-15:39]
    4. 2021 1130 – FFL / IMG – Why Everyone Needs an IUL – #4 Estate Planning – [Sean Ruggiero] – [VIDEO-YouTube-13:15]
  • 2021 1209 – Grady Polcyn / FFL – Complete Product Breakdown – [VIDEO-YouTube-01:18:35]
    • 49:00 – IUL – much cheaper than a whole life, Index Follows along the S & P index, if the market goes down it’s not going to lose money. comparing term and IUL – 60-70 crowd. 
    • 51:00 – Higher whole life policy, multiple policies, 150k Straight Whole Life = $1,400 vs IUL = $400-500, Term underwriting,

2022

  • 2022 0224 – FFL National – Writing With Americo?? – Product Training Episode 1. W/ Mike Pfeil – youtube.com/watch?v=rlf92DV4LXE&t=4s
    • Flagship product with FFL
      • Term 125, Accidental Death Benefit
  • 2022 0826 – FFL Agent Academy / @fflagentacademy9256 – Family First Life Product Knowledge Training – Complete Product Breakdown 2022 – https://www.youtube.com/watch?v=nanq7ExXr3A&t=3220s
    • 02:40-03:22 – 2 main types – Term and Whole Life.  Everything else, you don’t have to worry about it. WL – Like Buying a house. Permanent. not going to change.  Rigid.  Premium doesn’t go up. Not going to go down in Death Benefit. Going to be there for the long haul. 
    • 04:40 – State Regulated – Pricing within a couple of dollars for similar benefits. Drastic different in price = Drastic difference in Benefits.
    • fflamerica.com/products
    • Call a Manager or Underwriting Genie
    • 49:00 – IUL – Mutual of Omaha – Express – Indexed Universal Life Express
      • much cheaper than a Whole Life, more expensive than Term. Middle Ground. Follows along the S and P index. 5-6-7%.  Not going to lose money. Example – 68yo, IUL vs 15-year term. Same Price.  
      • Simplified Underwriting
      • Term Underwriting
    • 52 – IUL for Younger person.
  • 2022 – Family First Academy – [FFL – IMG-Integrity Marketing Group ]- Family First Life Product Knowledge Training Part 1 – Americo Life Insurance, Michael Pfeil – [VIDEO-YouTube-08:58]
    • ⇒  Description – While working in the life insurance industry is 80% phone skills and 15% appointment presentation skills, and the remaining 5% is dedicated to product knowledge.
  • 2022 1117 – FFL National – Writing Business With Mutual of Omaha? Watch This!! – Product Training Episode 4. W/ Mike Pfeil – youtube.com/watch?v=fTHel9fj328
    • 7:30 – IULE, Quotes with Target premium, not meant to expire, Illustration, 

2023

  • 2023 0407 – FFL [Edwin Correa] – Intro Getting Started Guide  – [Bridget Reimer] – [VIDEO-YouTube]
    • 04:47 – “Do you have anything that acts like life insurance?”
      • “like a 401k, TSP, Cash under your mattress.”
      • “Something that would pass to Mrs. Smith if you were to pass away.”
    •  05:30 – Is your Retirement Protected? Your 200k 401k.
      • Fixed Indexed Annuity.
      • Can Never lose money in the market again.
    • 07:24 – IUL Discovery – Using an IUL to create financial capital.
      • Alternate Coverage – Act like Life Insurance – Consumer Answer = No.
      • Have you considered an IUL to supplement your retirement? – 60 Second Explanation
        • Death Benefit
        • Retirement money
      • One Premium pays for both benefits
      • Go back and accurately represent the product
  • 2023 0811 – Ryan Reynolds Rush – IUL’s Training, Index Universal Life I Rush Podcast #39 – [VIDEO-YouTube-01:13:53]
    • Guest: Josh Lockhart FFL
    • Target Premium, Max Funding, Overfunding
    • Target Premium – “Retail Cost for Insurance”
    • IUL good for Mortgages
    • 7 – Flexible Premium – Overfund – at some point you have a break even – [Bonk: P1P2] – Loans – 
    • 9 – TikTok – IUL is for everyone – not necessarily
    • 10 – Universal Life sold in the past – lapses – Premium Increases
    • Minimum premium for Whole Life – 
    • 11 – Ideal Clients for IUL
  • 2023 0421 – Family First Life – IUL 101 – [Bridget Reimer – FFL – AMS – SRS – FFLAMS.com]  —  [VIDEO-YouTube-24:53]