This CBC presents InsMark's powerful CheckMateâ Selling technique -- a strategy that anticipates a prospect's objections as part of the presentation. This CBC features Universal Life and for those who use UL, this concept will have a significant impact on your closing ratios. (Versions are also available that feature variable universal life, equity-indexed universal life, and participating whole life.)

This is a battle of the heavyweights as both concepts are powerful. If a client's estate is not large enough to worry about estate taxes and the client does not have significant charitable motivation, the Stretch-Out is a superb technique. If the estate does (or will) face transfer taxes, Charitable IRA is often the preferred approach. As the name implies, the Charitable IRA delivers a substantial deferred gift for favorite charitable causes. The nice thing about both plans is they are interchangeable at any time throughout life and neither plan reduces the pension owner's (or spouse's) access to pension funds.