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In Person EIUL Training

In Person EIUL Training

EIUL Two-Day in Person Training

To download the agenda for this unique and needed two-day training, clicking here.

We plan on doing upcoming seminars in the following cities:

Las Vegas
Orange County, CA

The first question that needs to be asked is whether intensive training on EIUL policies is necessary. From our years in the industry and interacting with thousands of advisors we know the answer is yes.

How do we know that? Because most agents we talk with barely know the basics let alone all of what they need to know in order to properly sell EIUL policies.

The fact that agents are selling inferior EIUL policies form the following companies in and of itself proves the need for intensive training: Aviva, Pac Life, Life of the Southwest, Pen Mutual, American National, Lincoln, John Hancock, Ameriprise, Harftord to name a few.

Our in person training has on goal. That goal is to make sure those who walk out understand the following:

How EIUL policies are priced

This includes understand the expenses in the policy you are selling (option costs, bond income, cost of insurance, per 1000 charges, and more). When a client asks you to explain the costs in the policy, it’s tough to sell one when you can’t give them a credible answer.

Participating loans (also known as variable loans)

Most EIUL polices are sold illustrating NOT wash loans but instead what are known as participating or variable loans. It’s impossible to give full disclosure advice to potential clients when you don’t fully understand how these loans work.

How to properly illustrate EIUL policies

Illustrations given out by most IMOs and insurance companies with variable loans are the epitome of what’s wrong with our industry.  At our training we will show you the tricks IMOs use to manipulate the software to make the outcome much better than is realistic. Then we will show you how to be able to do an apple-to-apple comparison between policies at different companies.

EIUL polices as a tax-free wealth building tool

Even though this is the primary reason clients buy EIUL, the basics of how the MEC rules won’t take too much time to cover. Having said that, we will do so in detail.

EIUL vs. tax-deferred plans like 401(k)s and IRAs

Some in the industry call an EIUL an unlimited ROTH IRA. We will cover in extreme detail the real world math behind the concept of using EIUL instead of using tax-deferred vehicles. This is a key part of the training that will help advisors sell EIUL in an appropriate manner.

Whole life insurance

While it’s odd to have a section on whole life insurance at an EIUL training, it’s really one of our more popular sessions. It’s a question that has been asked since EIUL entered the marketplace over 15 year ago: which is a better retirement tool? EIUL or WL? We will answer this question with specifics at our training (which will really help those who have to sell against Northwestern Mutual, Guardian, NY Life, etc.  Also, if you have ever thought of using the Bank on Yourself or the Infinite Banking Concept, or if you have ever looked at LEAP®, you will really enjoy this part of our training.

EIUL sales strategies

We will show you a few of our best turnkey marketing strategies to get clients in the door to learn about and buy EIUL policies.

EIUL sales strategies to avoid

Greed runs wild in the insurance industry and there are a number of current scams involving EIUL sales. We will show you specifically why IRA rescue using EIUL doesn’t work and why Section 79 Plans using EIUL are no good. Attendees will get a look at the real math that drives the decision as to whether selling EIUL to someone who is over age 55 or 60 make financial sense.

Marketing tools

We have access to the best EIUL marketing tools in the industry today. We have everything from proprietary sales software, to being able to give CPE seminars to CPAs, to multiple educational/sales books, to being able to write the Foreword for sales books, to the only trademarked EIUL sales platform in the industry and more. We will discuss these tools and how attendees can access them to grow their sales.


For some, it won’t be enough to learn about EIUL policies and be given access to the best marketing tools in the industry. Some advisors will still need more help. We will discuss how you can get access to a mentor who will be there whenever you need him to talk about case design and even to help you close cases in a one-on-one basis with your clients.

Becoming an IAR

The industry has been changing over the last many years. Insurance only licensed agents have regulatory issues to deal with that they never had before.  It is our opinion that every insurance only licensed advisors should have a Series 65 license and work as an IAR under an RIA. This solves the regulatory issues and when you use the “best” IAR platform in the industry, doing so will help you double your fixed life and annuity sales. We will discuss this platform in detail for those who are interested.


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Unique Marketing Tools

Unique Marketing Tools

EIUL Sales Tools

Everyone needs sales tools. However, the problem in our industry is that many sales tools are designed to deceive (or at least to not give full disclosure) so sales can be made. 

Our sales tools are both powerful and compliant. They can be used to both educate prospects and motivate them to purchase.

One of the most important things about our tools is that they are proprietary to our firm. Because we are selective in whom we work with, those we do work with are typically unique in their local areas.

Websites—this is your baseline sales tool. It is your business card. The problem is that most agents have terrible sites. We have hands down the best template website in the industry.  It’s interactive, it has videos explaining the power of EIUL, and it’s set up to fully interact with social media for those who are interested.  To learn more about our unique template website, click here.

Retirement Life™(RL)—RL is the ONLY trademarked EIUL sales platform in the industry today. RL is not a policy. It’s a conceptual platform that stands for the concept that EIUL is a very good risk-free/tax-free retirement tool for many people. The goal with RL is to motivate prospects to learn more.

RL comes with two different customizable brochures, educational DVDs, website content, and is referenced multiple times in the best EUIL educational book in the market (see below).  If you want to communicate in simple terms the value of EIUL, using the RL platform is your best option.  E-mail to inquire about using RL to help you grow your business.

EIUL illustration/sales software—most advisors selling EIUL have been told by various IMOs that they have software to help them sell products. We have some news for everyone‒the software offered by IMOs we’ve seen (and we’ve seen them all) is not accurate.

We have access to the most accurate illustration/comparison sales software in the industry today. The software compares EIUL to investing in mutual funds, and it compares EIUL to tax-deferred tools such as 401(k)s and IRAs. The software creates an eight-page sales output for you to sit down and discuss with your clients. Click here to learn more about the software, or e-mail to inquire about getting set up to use it.

Educational/motivational books—there are a number of so-called educational books on EIUL in the marketplace. In our opinion, they are all fluff pieces that are really not meant to educate readers. We have access to the best EIUL book in the industry that will both educate and motivate readers to reach out to you to purchase EIUL. The book is titled Retiring Without Risk (RWR), and you can click here or e-mail to learn more.

Write the Foreword for RWR—it’s tough to say what is the single most “powerful” marketing tool available, but we would argue that having your name on the cover of a book and the best EIUL education book in the market could be considered the most powerful tool. Firms charge $5,000-$10,000 to allow an advisor to put their name on the cover of books, and they are not even good books.

Advisors who come on board with our firm can get 100 books for $720 (and we will reimburse the cost when an advisor reaches $50,000 in target life sales). Click here to learn more, or e-mail

Free e-book giveaway site—this is a crazy powerful marketing tool. Over 50% of the books sold today are in an e-format. Wouldn’t it be nice to give away the best book ever written on EIUL (RWR) away for free in an e-format? We think so.

The free e-book site will help you capture a significant amount of new leads when your friends, family members, and clients (past and present) tell their friends, family members, and co-workers about the site. The goal is to have new people who you don’t know sign up to read the books so you can contact them to see if they have any questions about the content in the books.  To learn how you can get your own customized free e-book giveaway site, contact

Continuing education for CPAs—one great way to market your services and EIUL specifically is to work with CPAs. The best way to work with CPAs is to offer them CPE (Continuing Professional Education) credits for meeting with you. We have the ability to let advisors give CPE credits to CPAs/EAs/accountants. If this interests you, please e-mail


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Success Stories

Success Stories

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Proven Marketing Strategies

Proven Marketing Strategies

It seems fair to say that most advisors could use more quality clients.

Unfortunately, finding new “quality” clients isn’t very easy.

In our industry, every IMO says they have a “lead program.” However, as many agents find out, virtually all the programs offered by IMOs are more smoke-and-mirrors programs that they use to bait advisors to come work with the IMO.

We are about helping agents understand EIUL, and we are here to help agents sell them in a compliant manner.

We are not a lead service.

However, we are very familiar with two of the most powerful marketing strategies in the industry today; and we thought it would be prudent to let advisors who are surfing this site know about them.

What is a “proven” marketing strategy?

Simple‒it’s one that has been proven to work by multiple advisors (hundreds preferably).

To learn about two of the best, if not the best, proven marketing strategies, click on the following link:  


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Becoming an IAR

Becoming an IAR

What is an IAR? It’s an Investment Advisory Representative (series 65 licensed). An IAR works under an RIA (Registered Investment Advisor) and doesn’t have all the regulatory problems the RIA has.

Our firm works with the best RIA in the businessand one who has created an absolutely unique low-risk, tactically managed management platform that dovetails very well with those who sell fixed products.

To learn more about the RIA we work with (Peace of Mind (POM) Planning), go to (their platform will blow your mind).

Why become in IAR?

                –Avoid regulatory problems. Thousands of insurance-only licensed agents almost lost their ability to earn a living when 151A passed. Being an IAR protects advisors from further federal and state regulations that are already having a chilling effect on the industry. 

                There are cases in certain states where advisors whose clients moved money from mutual funds, stocks, or bonds to fund a fixed product were fined and reprimanded for doing so without a securities license (this is a scary thought and a position more states are taking).

                –Create a substantial reoccurring revenue stream.  For years, insurance-only licensed advisors have foregone making money from AUM (Assets Under Management). With the low drawdown platform offered by, there is no reason an insurance-only licensed advisor should continue to forego the money that can be made with AUM.

                The average advisor coming on board with POM Planning is bringing in $2-$4 million of new AUM every year. Advisors typically earn 1% on the AUM they bring in. If you do the simple math, after one year, most advisors are adding $20,000-$40,000 in new revenue (and that revenue grows every year).

Doubling your Fixed Sales!

Most advisors using the POM Planning platform are doubling their fixed sales. Why? Because the platform is so powerful. When you can offer managers who have not had a down year in 23 and 17 years respectively with calculated risk that is 80% less than the S&P 500 (where the returns are near or above what the S&P 500 is), it’s easy to understand why prospects want to learn more.

When prospects want to learn more about the POM Planning platform, that gives an advisor the opportunity to offer overall planning advice that would include EIUL sales.  Actually, POM Planning uses a three-bucket sales approach with clients where bucket #1 is a fixed bucket.

Proven Success!

Over the last 18+ months, over 160 advisors have come on board with POM Planning and have gathered in excess of $250,000,000 (that’s 250 million dollars).

There is no good reason an insurance-only licensed advisor shouldn’t become an IAR and use the POM Planning platform to give more comprehensive advice/pick up AUM and make more fixed product sales in the process.

To learn more about POM Planning, simply go to

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