The Quick Quote Presentation is the system you use in your appointment to present the numbers, the plan, the product, and close the sale.
View the Retirement Income Calculator (RIC) Software in English
View the Retirement Income Calculator (RIC) Software in Spanish
The RIC Software
Learn how the software works.
Watch this instruction video on how to utilize the software and its features.
WARNING: If you have a hard time reading the text in the video you can click the “YouTube” button in the lower right hand corner of the player. This will take you to YouTube where you can enlarge the video. Once it is enlarged it will take 10-20 seconds for the resolution to improve.
Learn how to present with the software.
Watch this instruction video on how to present using the software. Download the script and watch the video as many times as it takes to learn it. This is the single most important step for writing business.
WARNING: If you have a hard time reading the text in the video you can click the “YouTube” button in the lower right hand corner of the player. This will take you to YouTube where you can enlarge the video. Once it is enlarged it will take 10-20 seconds for the resolution to improve.
***We have an offline version you can use to present the numbers and the plan as well.
If the client does not have any questions then, move on to the next step: Submit the Application
Additional Questions
In the event the client has some questions before enrollment, you can use the answers below.
When you begin making your contributions, the money flows into the plan. A portion goes to both the benefit and growth sides of the plan. In the first year, your base plan growth is in a time deposit, this is like a 10-year bank CD. The money goes in the first year and is then paid back to you in the 10th year at a 260% of the original value tax fee guaranteed, which is equivalent to a 10% growth rate. Any additional contributions or overfunding of your plan will go into the annuity, which has a guaranteed rate of 3% with no fees, no minimums, no maximums and no surrender charges. This means you have access to your money.
Beginning in the second year you get to choose where your money grows. You can choose to let your money grow in the guaranteed annuity account, which I just described to you, or you can choose the service option, which allows you to send your money to an investment account of your choice. If you do not have an account, we provide you access to a couple of top performing mutual funds with historical averages of over 12%. At any point in time you can redirect your growth side money where ever you choose.
In the 10th year you have another choice. You can stop all your contributions and let your money sit and grow, or you can stop the benefit side and continue the growth side, or your can continue your plan as is. The great thing is it is up to you and you don’t have to make that decision now because there is now way to predict where you will be at that point in time.
Which one of these options best works for you? The level one plans come with the early death and terminal illness coverage. The level two plans add the critical illness and disability coverage.
We believe what one company can do for you an alliance of companies can do better. The companies involved came together to provide FreedomFlex, with all of its unique features, as a benefit to the American Associations of Government and Private Employees.
(Use the Alliance of Companies pdf to show them each company)
While disclosing a client’s financial information is illegal, I can show you an example statement that has been redacted. This person enrolled in a level one plan at the age of 20 and has had the plan for 16 years.
(Show them the example statement)
Once you have answered the clients questions, move on to the next step: Submit the Application
