Become a Top Producing Agent with Tom Hegna On Demand

1. Facts About Retirement

2. Economic Overview

3. The "Happy Factor"

4. Retirement Alpha

5. CD Alternative

6. Cash Cow

7. North West Quadrant - Morningstar Scatterplot

8. NUA Net Unappreciated Assets and Its Affect with Annuities

1. Life Insurance Objections

2. Lifetime Income Annuities Objections and How to Handle

3. Variable Annuities Objections and How to Handle

4. +Over 75 More Closes and Objection Handling Techniques

1. Mortality Credits

2. Life Insurance

3. Term Life Insurance

4. Permanent Life Insurance

5. Whole Life Insurance

6. Life Insurance as an Asset

7. Human Capital

8. Grandparent and Grandchild Legacy Using Life Insurance

9. Maximizing Charitable Giving using Life Insurance

10. Simple Life Insurance Discussions

11. Cash Cow

12. Business Owner Investment Affects

13. 3 Simple Life Insurance Ideas

14. Human Life Value

15. Mortality Credits from the Life Perspective

16. Questions for Business Owners

17. Questions for Wealthy Clients

18. Simple Solutions using the 2nd to Die Policy

1. The Importance of Long Term Care

2. Risks of Long Term Care

3. Medicare and Medicaid

4. Long Term Care - The Million Dollar Problem

1. Annuities Intro

2. Fixed Period Annuities

3. Lifetime Income Annuities

4. Lifetime Income Annuities Payout Rate Vs Interest Rates

5. Mortality Credits

6. Deferred Income Annuities

7. Longevity Insurance

8. The "Happy Factor"

9. Fixed Index Annuities

10. Variable Annuities Overview

11. Retirement Alpha

12. Deferred Annuity Welcome Video

13. Happy Factor

1. Estate Planning

2. Estate Planning Failures

3. Covering Final Expenses

4. Maximize a Legacy with Estate Taxes

5. Maximize a Legacy with NO Estate Taxes

6. How to Leave Individual Retirement Account Tax Free to Your Children

7. Sell UP to the Estate Tax Level

1. Disability Insurance

2. Medicare and Medicaid

3. Social Security Overview

4. Social Security Strategies

5. Social Security Taxation

6. Required Minimum Distribution Maximization

7. Required Minimum Distribution to Pay for Live and LTC

8. Required Minimum Distribution Compression

9. Protecting Social Security Benefits

10. 529 Plans - Child's Education

11. LGBT

1. Planning

2. Strategies

3. Solutions

4. Role of the Advisors

1. Lifetime Income Annuities Features

2. Lifetime Income Annuities Objections and How to Handle

3. Lifetime Income Annuities Math and Science

4. Fixed Deferred Annuities

5. Variable Annuities Features

6. Variable Annuities Guaranteed Living Benefits

7. Variable Annuities and Fees

8. Variable Annuities Objections and How to Handle

9. Marketing

10. Prospecting

11. Required Minimum Distribution Maximization

12. Required Minimum Distribution Maximization to Pay for Life and LTC

13. Required Minimum Distribution Compression

14. VBear Market Recovery

15. CD Alternative

16. Grandparent and Grandchild Legacy

17. Cost of Waiting

18. Sytematic Withdawals versus Lifetime Income Annuties

19. NUA - Net Unappreciated Assets and Its Affect with Annuities

20. Lifetime Income Annuity Sales Strategies Grandparent/Grandchild legacy

21. Lifetime Income Annuity Sales Strategies RMD Compression

22. QLACS

1. Introduction to Creating a Plan

2. Planning for Retirement

3. The Importance of Working With a Financial Professional

4. Graduation

1. Introduction to Social Security Benefits

2. Social Security Basics

3. Social Security Strategies

4. Working in Retirement, Income Taxes, and Social Security Benefits

5. Graduation

1. Introduction to Hybrid Retirement

2. Major Drawbacks to Working in Retirement

3. Reasons Retirees Work in Retirement

1. Introduction to Protecting Your Savings

2. Basics On How to Protect Your Savings From Inflation

3. The Bottom Line on Inflation

1. Introduction to Securing Guarnteed Lifetime Income

2. Secure Guaranteed Lifetime Income

3. Understanding Accumulation vs. Distribution

4. Learn More About Annuities!

5. Bottom Line on Securing Guaranteed Lifetime Income

1. Introduction to Long Term Care

2. Basic Facts On LTCi

3. Risks of LTC

4. The 'Other' Cost of LTC

5. Recapping The Importance Of Long Term Care

1. Introduction to Using Home Equity Wisely

2. Home Equity Basics

3. Strategies For Using Your Home Equity Wisely

4. Case Study

5. Graduation

1. Some Extra Tips For Late Savers

2. Retirement Planning For Non Traditional Couples

3. Special Retirement Planning Tips For Women

4. Utilizing Longevity Credits For Retirement Income

5. Practical Uses Of Life Insurance In Retirement

1. What if I Make The Wrong Choice? Part 1

2. What if I Make The Wrong Choice? Part 2

3. I Don't Wanna Mess This Up

4. I Will Worry About It Later Part 1

5. I Will Worry About It Later Part 2

6. I Don't Need That

7. I Am Not Worried Right Now Part 1

8. I Am Not Worried Right Now Part 2

9. I Don't Know What To Do

10. I Am Just Going To Kill Myself Anyways

11. I Am Too Old

12. My Risk Tolerance Is Too Low

13. My Risk Tolerance Is Too High

14. How Do I Know That You Are The Right Advisor?

15. What If Rates Change?

16. I Don't Understand The Value

17. Money Conversations Make Me Nervous

18. I Think The Market Will Go Up

19. I Don't Trust Small Business

20. I Don't Trust Big Companies

21. You Are Being Too Pushy

22. Your Website Is Outdated & You Look Unprofessional

23. I Only Believe In Guarantees

24. It Sounds Too Good To Be True

25. I Am Moving To A Different State Or Country

26. I Am Moving And Don't Think This Will Work In My New State

27. I Am Going To Die Young

28. I Am Scared My Policy Will Change Later

29. I've Heard Annuities Are Bad Part 1

30. I've Heard Annuities Are Bad Part 2

31. I Can't Afford An Annuity

32. I Hate Annuities Part 1

33. I Hate Annuities Part 2

34. I Hate Annuities Part 3

35. I Hate Annuities Part 4

36. I Need To Think About It & Consider The Annuity

37. I'm Too Young For An Annuity

38. I Don't Want To Lose My Liquidity By Purchasing An Annuity

39. I Have Other Advisors

40. I Already Have Existing Investments Part 1

41. I Already Have Existing Investments Part 2

42. I Already Have Enough Money Saved

43. My Money Is Tied Up With A Major Purchase

44. I Am Waiting For Taxes To Go Down

45. I Am Going To Invest In The Market

46. I Want To Own A Business Instead

47. I Have A Rich Family Member

48. My Home Has A Lot Of Equity Part 1

49. My Home Has A Lot Of Equity Part 2

50. I Prefer Gold & Precious Metals

51. I Prefer To Stock Up On Supplies Like Guns & Ammo

52. I Prefer Real Estate

53. I Already Have A Pension

54. I Already Have A 401K & IRA

55. I Am Going To Use My Military Pension

56. I Need To Research This/Do The Homework Part 1

57. I Need To Research This/Do The Homework Part 2

58. I Need To Think About It, Consider Life Insurance

59. I Need To Think About It In General

60. Just Send Me Some Information

61. I Will Research It On The Internet

62. I Handle My Own Finances

63. I Don't Have Enough Information To Decide

64. My Accountant, Banker, Broker Told Me... Part 1

65. My Accountant, Banker, Broker Told Me... Part 2

66. I Need To Discuss This With My Kids Part 1

67. I Need To Discuss This With My Kids Part 2

68. I Need To Discuss This With My Spouse Part 1

69. I Need To Discuss This With My Spouse Part 2

70. I Am Looking At Different Companies

71. I Want To Shop Around First

72. My Friend Had A Bad Experience

73. What If The Insurance Company Goes Bankrupt? Part 1

74. What If The Insurance Company Goes Bankrupt? Part 2

75. I Can't Afford Life Insurance

76. What If The Insurance Company Isn't Around Later?

77. I Don't Trust Insurance Companies Part 1

78. I Don't Trust Insurance Companies Part 2

79. I Don't Trust Insurance Companies Part 3

80. I Already Have A Policy At My/Our Job

81. I Already Have A Policy With Another Carrier

82. I Already Have Term Life Insurance

83. It's Too Late For Me To Buy Life Insurance

84. I'm Too Young For Life Insurance Part 1

85. I'm Too Young For Life Insurance Part 2

86. I Am Too Healthy For Life Insurance

87. I Can't Afford Long-Term Care

88. It's Too Late For Me To Buy Long-Term Care

89. I Will Rely On Medicare

90. I Can't Afford The Appointment

91. I Keep All My Money In Cash

92. I Lost My Money In Another Broker

93. I Lost My Money In Another Product

94. I Can't Save That Much

95. I Won't Be Buying Anything Today

96. It's Too Late For Me/Us To Save/Not Enough Savings

97. I Am Going Through A Divorce & Cant Touch My Money

98. I Don't Have Any Money

99. I Haven't Saved Anything

100. My Assets Are Frozen

• BONUS 1 - I Have Bad Credit
• BONUS 2 - I Wanna Wait Until Interest Rates Are Higher
• BONUS 3 - I Have Other Advisors
• BONUS 4 - That's Why I Have Social Security
• BONUS 5 - Referral Objections: I Don't Know Anyone Else
• BONUS 6 - Referral Objections: All My Friends Have Advisors Already
• BONUS 7 - Referral Objections: I Don't Trust You Yet To Share My Referral
• BONUS 8 - Referral Objections: I Would Rather Give Your Information To Them