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LeClair Connector: Week of February 20-24, 2012

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LeClair Annuity Portfolio--All the Tools You Need to Be the Expert!

LeClair's Annuity Pipe is available online for your use 24/7.  To access this resource visit our website.  When you run an instant quote using LeClair's Annuity Pipe you get options for all our carriers with vital information including current rates and plans available for your client.  You can also access annuity information, state availability, forms, supplies and contracting.

LeClair offers a comprehensive portfolio of deferred and immediate annuities.  Our portfolio includes

• Assurity
• Genworth Financial
• ING
• Lincoln Financial
• Prudential
• Royal Neighbors

LeClair's broad portfolio has annuities to suit every situation.  Whether your clients are looking to fund their retirement in 20 years, they would like to invest in an immediate annuity with a monthly benefit right away, or they would like to fund their long term care insurance.  LeClair has something for them.

To get a quote for your client, or to check on the latest rates call the LeClair Sales Desk at 877-532-5247 or email us.  You can also visit our website where you can access all of the tools you need.

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United of Omaha's Living Care Annuity has LTC Benefits Built In!

United of Omaha's Living Care Annuity combines a deferred fixed rate annuity with built-in long term care benefits.  A deferred fixed rate annuity allows your clients to save more money for retirement.  It will earn them a fixed rate of interest and will grow tax deferred until your clients begin taking income payments from it.  In addition to help your clients save money, United's Living Care Annuity can provide your clients up to three times the annuity value in long term care benefits if they need them... guaranteed!

Highlights of the plan include:

• Guaranteed interest rate.
• The minimum guaranteed interest rate is set at the time of issue and can never be decreased.
• The 3X Guarantee for LTC.
• Contract premiums, non-qualified funds only with a $50,000 minimum initial premium and $300,000 maximum initial premium
• Issue ages 40-79.

Here is how the LTC 3X benefit guarantee works:

When your clients reposition just a portion of their non-qualified money to the United of Omaha Living Care Annuity, they can receive up to three times the annuity value, at time of first claim to provide at least six years of long term care benefits.  These benefits are first paid out of the annuity's accumulated value until your annuity value reaches $1.00.  After that, United of Omaha Life Insurance comapny guarantees to pay qualified long term care benefits until your maximum lifetime benefit is reached.  The rider is guaranteed renewable, so United of Omaha can never cancel your benefits as long as the contract remains in force.  Benefits are available beginning in year three of the contract and after a 90 day elimination period.  to be eligible for long term care benefits, you must be chronically ill and be receiving covered services.

To get brochures, rate quotes and applications for the United of Omaha's Living Care Annuity contact the LeClair Sales Desk at 877-532-5247 or by email.

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NEW! Genworth SecureLiving Index 7 and Index 10 Now Available in 35 States

Genworth's new fixed index annuities, SecureLiving Index 7 and SecureLiving Index 10 are now available for sale in 35 states!

Training on these new products is available online by clicking here.  Please refer here for a list of states that require product specific training prior to soliciting business.  However, everyone is encouraged to go through the product training course to familarize themselves with the new products.

For new sales material, quotes, and rates, please call the LeClair Sales Desk at 877-532-5247 or email us.

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Genworth Annuities Provide Efficient Funding for Your Client's LTCi Premiums

Using a Genworth Single Premium Immediate Annuity to fund long term care insurance premiums creates not only a tax-efficient funding strategy, but is also a convenient way to help protect your client's lifestyle and portfolio from the high cost of long term care.  Let's look at a case study that demonstrates how this could work for your clients.

Clients: Everett and Geraldine are in their late 50's, married and working, their assets exceed $500,000.

Scenario:  Everett and Geraldine recently saw a news article about the rising cost of long term care in their area.  The article also outlined average median costs of care nationwide.  They became very concerned about how they should plan for the possibility that they would need long term care services so Geraldine contacted their agent, Scott, for help.

Strategy:  Scott visited Genworth's Let's Talk website for tools and ideas to help educate Everett and Geraldine.  They discussed the different options for funding long term care and the benefits of having a solid portfolio protection strategy in place.

Solution:  After listening to Everett and Geraldine's concerns and analyzing the pros and cons of different strategies, Scott recommended that they purchase a shared Privileged Choice Flex LTC policy due to the strong married couple discounts.  for added convenience and security Scott recommended using their CD assets to purchase a Genworth Secure Living Immediate Annuity to fund their long term care insurance policy.  And since the Pension Protection Act took effect in early 2010, income payments from the SPIA can fund their LTC insurance policy tax-free.  Scott's clients needs and the funding of their Genworth Long Term Care Policy using a Genworth annuity becomes a seamless transaction for Everett and Geraldine.

LeClair Insurance can help you put together creative strategies to give your clients the best choices for their individual situation.  Call the LeClair Sales Desk at 877-532-5247 for quotes, sales strategies, current rates, and applications.

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Royal Neighbors Unique Flexible Premium Deferred Annuity Offers Steady Guaranteed Retirement Growth

Royal Neighbors Steady Choice is a Flexible Premium Deferred Annuity that offers guaranteed retirement savings with the flexibility to change your monthly contributions to the annuity.  This allows savings to grow tax-deferred.  While low payment options make saving affordable.

Benefits include:

• Payment flexibility with guaranteed minimum interest of 3%
• Long-term savings for retirement
• No sales fees
• $100/month (if on pre-authorized collection plan) or $1200/annual contributions
• Maximum premium of $25,000 annually
• Option of ROTH, IRA, SEP IRA or Non-Qualified

Life changes quickly.  Your clients need a savings option that lets them control the contributions.  As long as they meet the annual minimum account value, they can change their monthly contribution as their situation changes.

Royal Neighbors has solutions that fit your client's individual needs.  To talk to one of our Sales Professionals, you can call LeClair Insurance at 877-532-5247 or by email.

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