The IUL MarketplaceThis article will be directed to those of you that may not be real familiar with this relatively new product. I hope to provide some insight into the product and offer upsome suggestions for sales opportunities. An indexed Universal Life product is basically atraditional UL product with the non-guaranteed assumptions linked to an index, which isusually the S&P, but can include other indices as well. These policies have a cap associated with them, which is generally in the 12-14% range, and offer a minimum guarantee, usually 1-2%.

Who’s out there? Right now, there are over 15 companies offering IUL products, many ofthem entering the market in the last year or so. Many other companies are exploring themarket as well. The initial product was introduced in the mid 90’s and the market hascontinuously grown. IULs offer up a good balance betweentraditional ULs and Variable ULs. They offer more cash accumulation than a traditionalUL and offer downside protection unlike a Variable product. It is estimated that IUL saleswill continue to increase steadily as more companies get into the fold and more producers learn about it.

Several different product features are now available as well. Whether your client is looking for a single premium option, survivorship, no-lapse guarantee, short term cashaccumulation or long term cash accumulation, they can all be served with an IUL product.These products are flexible and can be used in the same fashion as most traditional ULproducts.

Potential markets are numerous. We see a lot of business in the cash accumulation market, especially with the popularity of books like Missed Fortune 101, by Doug Andrew.Wealth transfer is another growing category now, especially with the single premiumproducts that offer simplified underwriting. Additionally, with the use of the No LapseGuarantee riders, some of these products offer the lowest rates out there with the addedbonus of good cash accumulation.

Which product or company is best for your client? Right now, we see two to three companies that stand out above the rest. Factors we look for in companies are; amountof time in the marketplace, product selection, company performance and product performance. Davis Life has promoted IUL products since their inception and feel weknow the products, companies and markets well. Give us a call to see how you canincorporate this product into your current repertoire.

Psst!Did you know we have InsMark

software available to you for only $19.95 a month?

We do!

Al Stockwell, MBA, FLMIDirector of Life MarketingAl@DavisLife.com800-747-5612

On The Texas Side of Things

Hello to All! Just a little note to say products are booming in Texas.Compared to the last 20 years, I have never seen so many great products approved in the state of Texas. As I spend time with youeveryday, I hear your requests for many differently designed annuities.Well guess what guys, they are available right now!

For your clients that like CD alternatives, we have the best 3, 5, 6, 8, &10 year “Multi Year Guarantee” product in the industry withEquitrust’s Certainty. Call me today for the current rates!

Everyday I get requests for shorter term Index Annuities. They areavailable right now starting with 5, 7, 8, 9, and 10 year surrendershcedules. Many of them also have bonuses. If you do not have theseproducts in your arsenal, then you are missing out on sales. One ofthe biggest complaints I hear is having to explain a 10% premiumbonus product with a 14 or 17-year surrender period to a client.Remember, you MUST explain the liquidity of a long-term annuity.Most all have 10% annual withdrawals), access to confinement waivers,full account value at death, and the ability to turn monies into anincome.

Guess what? The perfect 10 bonus annuity mentioned on the cover is coming to Texas very soon! Believe me when I say, get your contract in place right now and kit reserved. There will be a giant rush for this awesome product.

Rena RamirezMarketing RepresentativeRena@DavisLife.com888-586-2293

Fax to

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515-

222-

1666

Attentio

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Contract

ing

Need a great company forIndexed Universal Life?

All of these, plus more, are just a phone call away...

Call Today!800-747-5612

or888-586-2293

Indianapolis Life Insurance CompanyLife of the SouthWest

F&GMidland National

Union CentralAmerican General

National Western LifeAllianz

PJ’s PicksHang on for the ride folks, as 2006 is going to take us on awild one! There are new products, new rules and regulations, new commissions, new incentives, and much,much more. We’re seeing new products roll out that appearto have a lot of nice features for both you and your client.Make sure you’re reading our newsletters, emails andpaying attention to voicemails. You’ll want to keep up with

all the new and exciting changes.

I’m seeing new products roll out with some interesting crediting methods. In my conversations with our residentactuary, I’m finding out that these new crediting methodsjust offer another “twist.” The bottom line is; what’s easiestfor you, the agent, to explain to the client and for the clientto understand? I’m a firm believer that no matter how muchresearch is done, the experts will say day in and dayout….”regardless of the crediting method, they’ll all taketurns performing in the different market environments overa period of years……..” The dilemma is no longer a dilemma at that point. It all goes back to ease of explanation and understanding. Don’t get caught up in thehype that one crediting method is better than another.

Those of you that know me know that I’m extremely client focused. We’re seeing every state implement forms for suitability. Thiswill not only keep you honest, but also keep you out of trouble. And speaking of forms, please utilize your specific carrier’s website for current forms. I think I harp on this in every newsletter but it does save time, money and embarrassment. If you pulland use forms off your shelves that you haven’t used in 6-12 months I can pretty much guarantee that you’ll have to revisit yourclient to get signatures on a more up-to-date form. That extra trip to the see the client will cost you time, money, embarrassment AND in some cases delay your case from getting issued in a timely manner.

Because of the competitiveness of this business we’re seeing new programs roll out offering incentives to agents. Make sure youknow what you need to do to qualify for our Hawaiian cruise the fall of 2007. What a great advantage you have when you workwith Davis Life Brokerage. All of your premium (life, annuity, LTC, DI, etc.) helps you qualify. You can honestly recommend theright product to your client without disqualifying yourself from trip credits. We want you on our next trip. Let us know what we cando to help you qualify!

I can’t stress the importance of technology usage. Our lifeline to you, the agent, is constant communication. We work hard tokeep you informed. We do that a lot through emails. And the emails you get from competitors helps us/me too. We like to knowwhat you’re getting from the competitors. It helps us all help you make good decisions. If you’re seeing something out there thatyou don’t think we have, please call. If we don’t actively market a specific product, most times there is a reason. Allow me theopportunity to tell you why OR get access to it if it’s worth offering to our agents.

Have a great quarter! We’re here to help so don’t hesitate to give us a call.PJ DuncanAnnuity Marketing DirectorPJ@DavisLife.com800-747-5612

Davis Life Brokerage has the following openings available:

PPOOLLIICCYY AAUUDDIITTOORR: Work with CPAs, Attorneys, Mortgage Brokers, friends,

neighbors, relatives or anyone that owns a permanent life insurance policy. With aFREE review, you will be the HERO. The possibility of upgrading these policies is atit highest peak in recent history. The table shaving window is closing and the costof No Lapse Guaranteed Death Benefits may rise soon. Call for a free kit! Starting commissions, $100,000+

BBAANNKK BBUUIILLDDEERR:: This job may just be the most lucrative job in the life and

annuity industry today. Educate the Baby Boomer generation on the newest techniques in retirement saving, college funding, multi-generation planning andwealth building. You will learn how to get in front of thousands of prospects at nocost to you. Your “Baby Boomer” clients will get you in front of their SENIOR parents ASAP. There is virtually no competition with this opportunity...yet. Starting commission’s average $10,000 per case, 5 cases per week.

PPRREEMMIIUUMM LLEENNDDEERR:: This job is only for the seasoned life professional. Big dis-

counts for affluent clients on life insurance and creditor protection planning. Ifyou have the relationship, you will now have the solution for the hard to closeprospect. Average commission per case $400,000.

AANNNNUUIITTYY BBRROOKKEERRAAGGEE CCOOMMPPAANNYY WWAANNTTIINNGG TTOO GGEETT IINNTTOO LLIIFFEE IINNSSUURRAANNCCEE:: This job is the easiest of all. Your firm needs to

do NEXT TO NOTHING and watch the dollars come in. Your down line is contractually safe from predatory “cross marketing” when you take this opportunity—GUARANTEED.

AAGGEENNCCYY BBUUIILLDDEERR: This position is for anyone wanting to add agents and

mentor them in the ways of their success. We have lists of hundreds of agentslooking for local support. This position is NOT for the impatient. Potential 7 figure commissions.

Davis Life Brokerage has many other positions available, nationwide. You willhave the best products, services and advise in the U.S.

We WILL TRAIN the right candidates.

For more information contact Trent Davis: 800-7747-55612Trent@DavisLife.com

dlb@DavisLife.com Davis Life Brokerage 800-747-5612If you are in need of a company you don’t find on the list, please contact us. We are contracted with several companies that don’t appear.

LEGACY MARKETING GROUPLegacy Marketing Group develops, markets, and administers fixed innovative, competitive, value-added annuities. These are the carriers they work with:

American National Insurance Company, Galveston, TexasAmericom Life and Annuity Insurance Company, Houston, TexasInvestors Insurance Corporation, Jacksonville, FloridaWashington National Insurance Company, Chicago, Illinois

CARRIER AM BEST RATING* PRODUCT LINESAllianz A+ Superior Life, Annuities, LTCAmerican Equity Investment Life Insurance Company B++ Very Good AnnuitiesAmerican General Life Insurance Company A++ Superior LifeAmerican National Insurance Company A+ Superior** Life, AnnuitiesAmericom Life and Annuity Insurance Company A- Excellent AnnuitiesAssurity A Excellent AnnuitiesAXA/Equitable Life Assurance/MONY A+ Superior LifeBanner Life Insurance Company A+ Superior LifeColumbus Life A Excellent LifeConseco Annuity B++ Very Good AnnuitiesEmpire General Life Assurance Company A+ Superior LifeEquiTrust Life Insurance Company A Excellent AnnuitiesFidelity and Guaranty Life Insurance Company A Excellent Life, AnnuitiesFirst Colony-GenWorth A+ Superior LifeFirst Penn-Pacific A+ Superior LifeGE Life A+ Superior Life, LTCGeneral American A+ Superior LifeGreat American A Excellent LifeIllinois Mutual A- Excellent Life, Annuities, DIIndianapolis/AmerUs Life Insurance Company A Excellent LifeIntegrity Life Insurance Company A+ Superior AnnuitiesING A+ Superior Life, AnnuitiesInvestors Insurance Corporation B++ Very Good AnnuitiesJefferson-Pilot Life Insurance Company A++ Superior Life, AnnuitiesJohn Hancock Life Insurance Company-ManuLife A++ Superior LTC, LifeLife of the SouthWest A Excellent LifeLincoln National A+ Superior Life, LTCMetLife-General American A+ Superior LTC, DI, LifeMidland National Life Insurance Company A+ Superior LifeMTL Insurance Company A- Excellent LifeMutual of Omaha-United of Omaha A Excellent Life, Annuities, MedSupNational Western Life Insurance Company A- Excellent Life, AnnuitiesNorth American Company for Life and Health A- Excellent Life, AnnuitiesPresidential Life Insurance Company B+ Very Good Life, AnnuitiesPrincipal Life insurance Company A+ Superior Life, Annuities, DIProtective Life Insurance Company A+ Superior LifeReliaStar A+ Superior LifeShenandoah Life A- Excellent LifeStandard Life and Accident Insurance Company A Excellent Life, Annuities, MedSupTravelers Life A+ Superior LifeUnion Central Life Insurance Company A Excellent LifeUS Financial Life Insurance Company A Excellent LifeWest Coast Life Insurance Company A+ Superior Life

* All ratings reflect Financial Strength and are current as of 8-24-05 ** Standard and Poor’s AA Very Strong

AMR111-0505IIC241-0505FOR BROKER USE ONLY.

NOT FOR USE WITH THE GENERAL PUBLIC

Davis Life Brokerage801 Ashworth RoadWest Des Moines, Iowa 50265

800-747-5612www.DavisLife.comdlb@DavisLife.com

Your 1st Quarter Brokerage News is here!Don’t wait...OPEN IT NOW!

This is hot! We have the Perfect 10 annuity for you. Check out the cover, you’ll love it! Turn topage 6 for the contract needed to sell this great new product. Page 7 will give you even morereasons to fill out the contract and get it into us today!

Indexed Universal Life is the future! If you are, or aren’t, familiar with indexed universal life youneed to read Al’s article on page 3. When you’re done with that flip to page 8 for a list of all thewonderful IUL companies we represent. Page 2 will show you a fabulous training opportunity toput it all together.

The annuity world is rockin’! PJ Duncan our Annuity Marketing Director wants you to hold onfor a wild ride this year. Find out why on page 9. For all you people who live or write in the LoneStar state, Rena Ramirez has a run down of what’s going on in Texas these days.

Are you ready to change your life? Turn to page 2 to hear about a truly life-changing trainingexperience available to you. Read the Top 10 reasons why you can’t afford to miss this awesomeopportunity.