IMS Associates

As we head into the final quarter of the year, underwriting niches become even more valuable for advisors as they chase year end production goals.

With over 35 years of experience and access to over 50 carriers, IMS Associates is well equipped to assist you with any of your tough cases and here to help.

There are several useful underwriting niches that could be available:
• Preferred NS for Prostate and Breast Cancer Hx
• Standard NS for DUI w/in 2 years
• Preferred NS for Occasional Cigarette Smokers
• Preferred Best Daily Ma*****na Use
• Automatic Standard to Preferred Best UW upgrade
• Moderate Sleep Apnea at Preferred Best

And much more via our IMS Life Underwriting Programs here: https://imsbga.com/underwriting-niches/

Financial professional use only. Not for Public distribution 4872153-1025. IMS Associates does not provide tax, accounting, or legal advice. Any case examples are hypothetical and for illustrative purposes only.

Best of All Worlds Annuity - Meet the FIA that provides you clients with a unique combination of options.

Single premium, index-link Annuity that allows any combination of the following:

Allocation 1 - 1-year fixed rate, declared at issue and each contract anniversary

Allocation 2 - Mult-year guaranteed rates offered for 3-, 5-, and 7-year Terms.

Allocation 3 - S&P Annual Pt-Pt with an 8% Cap

Allocation 4 - S&P Annual Pt-Pt with 60% Par Rate

This innovative, proprietary product allows for a hybrid investment strategy all in one product, allowing clients to take advantage of the best of market conditions and interest environments every year.

Get Access Today: https://imsbga.com/interest-plus-annuity/

Guaranteed income at guaranteed rates of return is important as ever in today's market conditions. While having funds in the "market" is still a financially sounds practice, the recent market conditions have once again highlighted the importance of pairing any retirement strategy with guaranteed, reliable rates of return.

When reviewing real returns in our markets, during accumulation and draw down or income periods, it is clear the value of locking in guaranteed accumulation rates and guaranteed income amounts.

Contact IMS to review a Case Study comparing how your clients may benefit, or lose out, with and without proper guaranteed hedging vehicles. Clik Here: https://imsbga.com/guaranteed-rates-and-income/

2024 MYGA Rates

Contact IMS to Lock in Your Client's Rates Before 2025 Decreases.

Current 2 Year- 4.90%
Current 3 Year - 5.20%
Current 5 Year - 5.50%

Access the IMS MYGA HUB Here: https://imsbga.com/2024-myga-rates/

Social Security Income is increasing by 2.50% and over 72 million Americans will see in increase in their 2025 Social Security Benefits.

How does this affect your clients?

Click Here to Download Your Copy of the IMS 2025 Social Security Fact Sheet: https://imsbga.com/social-security-income-and-tax-changes/

Do you want access to easy, turnkey solutions to provide your Business Owner clients?

Let IMS assist you in pre-sale, case design, and even presenting to your business owners.

With a wealth of resources, we make the process easy:

• In-house advanced sales and legal specialists
• Free business evaluations
• Customized presentations for both Life & Disability Insurance solutions
• Years of experience with Executive Carve-Outs, Succession Strategies, Retirement Bonuses, Retention Strategies and more

Learn more about how IMS can show you how to present meaningful and valuable Business Insurance Solutions to business owners here: https://imsbga.com/planning-for-business-owners/