Hyderabad Wealth Management：Liberty Bankers Life

Liberty Bankers Life Insurance Company (LBL) is owned by Liberty Life Group Trust, a Texas Holding company.  LBL offers life insurance and annuity products which help individuals and businesses meet their financial goals. The LBL Group has developed a proven track record for growth of assets, premiums and earnings over the last decade, with more than $2 billion in assets now under management.

LBL offers all of the following types of annuities:Single Premium Deferred Annuities (SPDA)Flexible Premium Deferred Annuities (FPDA)Single Premium Immediate Annuities (SPIA)Fixed Indexed Annuities (FIA)

LBL has an AM Best Rating of B++.Hyderabad Wealth Management

LBL has a very in-depth Product Availability chart. Check it out here.

As its name suggests, SPDAs are purchased with a single premium payment. Your annuity will grow with guaranteed interest until you choose to begin making withdrawals. Your interest rate is established at the time of issueGuoabong Wealth Management. LBL❼SPDAs offer a range of initial interest rate guarantees including 3, 5, 7 and 9 yearsSimla Stock. Guaranteed Safety of Your Principal and Interest. Your annuity is guaranteed by LBL, a legal reserve life insurance company.Income Tax Deferral. Tax deferral means postponing taxes on interest earnings until a future point in time. In the meantime, you earn interest on the money you are not paying in taxes. You can accumulate more money, which ultimately will provide you with a greater income.SimplicityJinnai Wealth Management. There is no withholding tax or income tax due while your annuity is accumulating. Only when you begin making withdrawals will you have taxable income reportedGuoabong Stock. You determine that date.Flexible Payment Options. At the time you select to make withdrawals from your annuity, you may have a number of options available. You may be able to choose a lump sum or a series of income payments.Avoid Probate. If you die prematurely, your annuity may be paid directly to your named beneficiary without the delay and expense of probate.

FPDAs offer the distinct advantage of accepting either single or multiple premium payments into the same policy. After the first premium payment, you may make voluntary additional payments at any time.Guaranteed Safety of Your Principal and Interest. Your annuity is guaranteed by LBL, a legal reserve life insurance company.Income Tax Deferral. Tax deferral means postponing taxes on interest earnings until a future point in time. In the meantime, you earn interest on the money you are not paying in taxes. You can accumulate more money, which ultimately will provide you with a greater income.Simplicity. There is no withholding tax or income tax due while your annuity is accumulating. Only when you begin making withdrawals will you have taxable income reported. You determine that date.Flexible Payment Options. At the time you select to make withdrawals from your annuity, you may have a number of options available. You may be able to choose a lump sum or a series of income payments.Avoid Probate. If you die prematurely, your annuity may be paid directly to your named beneficiary without the delay and expense of probate.

SPIAs are purchased with a single premium, as its name suggests. Most SPIAs begin paying you regular monthly income payments 30 days from your date of purchase, but you may prefer to begin your payments at some later date within the 1st year.Period Certain. You receive level payments for a fixed number of years (5, 10, etc.). If you should die before the end of the period certain, payments will be paid to your designated beneficiary. No payments are made after the end of the specified period. You may live longer than the period certain selected.Single Life. You receive fixed payments for the rest of your life. At the time of purchase, you may also choose a Period Certain option (5, 10 etc.) This feature serves to protect the value of your payments in the event of your premature death. Payments from SPIAs without refund features cease upon the annuitant’s death.Joint & Survivor Annuities. This type of SPIA offers payments to one of two people, most commonly spouses. Usually, full level payments are made as long as both the annuitant and joint annuitant are alive. Upon the death of either the annuitant or joint annuitant, reduced (50%, 75%, etc.) level payments will continue to the survivor for as long he/she is alive.

Liberty Bankers Insurance Group❼Summit FIAs are offered exclusively through Capitol Life, a member of the Liberty Bankers Insurance Group and rated A- Excellent by AM Best. All FIA business is issued and serviced by the same folks who you have known and trusted for many years.Outstanding participation ratesPolicy design features with 5, 7 and 10 year durationsAn optional 6% premium bonus featureFantastic compNew paperless E-AppDownload the brochure

Summit FIAs is available for sale in all states except CA, NY and RI.

Annuity sales are a huge opportunity for independent agents in the senior market. If you want to learn how to sell annuities to seniors, you❿ come to the right place!

Check out our complete guide here: The Ultimate Guide to Selling Annuities In the Senior Market

Also, check out this video from annuity all-star, Michael Sams:

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