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1 © 2023. Financial Scenarios LLC. All Rights Reserved The Amount of Money Being Made as an “Influencer” in 2023, is Literally Amazing! “To become a “Life Insurance Influencer” in 2023 will require a combination of Knowledge, Expertise, Persistency, Organizational, and Marketing Skills. Hopefully, the Ideas in this Document, can help you get there!” Calendar Link:

2 © 2023. Financial Scenarios LLC. All Rights Reserved Here are some steps you can take to become a Life Insurance Influencer: 1. Develop expertise: To become a life insurance influencer, you need to have a deep understanding of the life insurance industry, including different types of policies, coverage options, and underwriting criteria. Consider obtaining a certification or designation such as the CLU (Chartered Life Underwriter) to showcase your expertise. 2. Build your online presence: Establish a strong online presence by creating a website, social media profiles, and blog. Use these platforms to share your knowledge and insights about life insurance, offer helpful tips, and engage with your audience. 3. Create valuable content: Develop high-quality, informative content that offers value to your audience. This could include blog posts, videos, infographics, or podcasts. Make sure your content is well-researched and accurate. 4. Engage with your audience: Respond to comments and questions from your audience and actively seek out opportunities to engage with your followers. Consider hosting Q&A sessions, webinars, or live chats to further build your authority. 5. Network with industry professionals: Attend industry events, join professional organizations, and network with other life insurance professionals. This can help you stay up-to-date on industry trends, make valuable connections, and build your reputation. 6. Partner with relevant brands: Collaborate with relevant brands and businesses in the life insurance industry to expand your reach and build credibility. This could include working with insurance carriers, brokerages, or other influencers in the industry. 7. Stay up-to-date: Stay up-to-date with the latest trends, regulations, and changes in the life insurance industry to remain a credible and relevant influencer. Attend conferences and events, subscribe to industry publications, and join industry associations to stay informed. Calendar Link:

3 © 2023. Financial Scenarios LLC. All Rights Reserved Becoming a Life Insurance Influencer in your local area in 2023 will require a combination of industry expertise, marketing skills, and community engagement. Here are some steps you can take to become the life insurance influencer in your local area: 1. Build a strong online presence: Establish a strong online presence by creating a website, social media profiles, and blog. Use these platforms to share your knowledge and insights about life insurance, offer helpful tips, and engage with your local community. 2. Develop industry expertise: To become a life insurance influencer in your local area, you need to have a deep understanding of the life insurance industry, including different types of policies, coverage options, and underwriting criteria. Stay up-to-date with industry trends and developments to remain a credible and informed influencer. 3. Engage with your local community: Attend local events, join community organizations, and network with other professionals in your area. This can help you build your reputation and credibility in your local community. 4. Offer educational resources: Offer educational resources to your local community, such as workshops, seminars, and online courses. This can help you establish yourself as a trusted source of information about life insurance. 5. Leverage local media: Reach out to local media outlets, such as newspapers and radio stations, to share your expertise and offer insights about life insurance. This can help you build your brand and increase your visibility in your local area. 6. Partner with local businesses: Collaborate with local businesses, such as CPA’s, PEO’s, and real estate agents, to expand your reach and build credibility. This can help you reach a wider audience and attract new clients. 7. Offer personalized service: Focus on providing personalized service to your clients, and go above and beyond to meet their needs. This can help you build a loyal customer base and establish yourself as the go-to life insurance expert in your local area.

4 © 2023. Financial Scenarios LLC. All Rights Reserved To build a strong online presence to become a Life Insurance Influencer in your local area, consider following these steps: 1. Create a website: A website is essential for establishing your online presence. Your website should be professional, visually appealing, and easy to navigate. It should also be optimized for search engines so that potential clients can easily find you online. 2. Establish social media profiles: Create social media profiles on platforms such as LinkedIn, Facebook, Twitter, and Instagram. Use these platforms to share helpful information about life insurance, engage with your audience, and build your brand. 3. Produce quality content: Produce high-quality, informative content that provides value to your audience. This could include blog posts, videos, podcasts, or infographics. Make sure your content is well-researched, accurate, and relevant to your audience. 4. Engage with your audience: Respond to comments and questions from your audience, and actively seek out opportunities to engage with your followers. Consider hosting Q&A sessions, webinars, or live chats to further build your authority. 5. Leverage local SEO: Optimize your website and social media profiles for local search by including relevant keywords and location information. This can help you attract potential clients who are searching for life insurance services in your local area. 6. Utilize paid advertising: Consider using paid advertising on platforms such as Google Ads or Facebook Ads to reach a wider audience and attract new clients. 7. Collaborate with local businesses: Collaborate with other businesses in your local area, such as CPA’s, PEO’s, or real estate agents, to expand your reach and build credibility. This can help you reach a wider audience and attract new clients. 8. Monitor your online reputation: Monitor your online reputation by regularly checking reviews, responding to feedback, and addressing any negative comments or complaints. This can help you maintain a positive image online and build trust with potential clients. Calendar Link:

5 © 2023. Financial Scenarios LLC. All Rights Reserved Collaborating with local businesses can be a great way to expand your reach and build credibility as a Life Insurance Influencer in your local area. Here are some steps you can take to effectively collaborate with local businesses: 1. Identify potential partners: Identify local businesses in your area that may complement your life insurance services, such as CPA's, PEO's, or real estate agents. Consider businesses that share similar client demographics or have a related industry focus. 2. Reach out: Reach out to potential partners via email or phone, and introduce yourself and your services. Explain how collaborating can benefit both businesses and their clients. 3. Create a partnership proposal: Create a partnership proposal that outlines how you envision working together. This could include joint marketing efforts, referral programs, or co-hosting events. 4. Establish clear expectations: Once you have established a partnership, be sure to clearly communicate expectations and responsibilities. Make sure both parties understand their roles and how the partnership will work. 5. Promote the partnership: Promote your partnership on your website and social media channels, and encourage your partner to do the same. This can help increase visibility and attract new clients to both businesses. 6. Follow up and evaluate: Follow up with your partner regularly to assess how the partnership is working and if any adjustments need to be made. This can help ensure that both parties are benefiting from the collaboration and that it is mutually beneficial. Calendar Link:

6 © 2023. Financial Scenarios LLC. All Rights Reserved Here's an example of a partnership proposal for a Life Insurance Influencer looking to collaborate with a local CPA: Dear [CPA Name], I hope this message finds you well. I'm reaching out because I think our businesses would be a great fit for a partnership that could benefit both our clients and our respective practices. As a Life Insurance Broker, I work with clients to help them make informed decisions about protecting Themselves, their Families, and their Retirement Plan Assets with Life Insurance Coverage. I believe our services complement each other, and I think there's an opportunity to work together to better serve our clients. I'd like to propose the following partnership ideas: Joint marketing efforts: We can create content and marketing materials together that speak to the importance of both tax planning and life insurance coverage. This could include blog posts, social media posts, or email newsletters. Referral program: We can refer clients to each other's businesses when there's a potential opportunity for our services to intersect. For example, you could refer clients to me when they're in need of life insurance coverage, and I could refer clients to you when they need tax planning or financial advice. Co-hosting events: We could co-host events that cater to both of our audiences, such as financial planning seminars or workshops. This would give us the opportunity to showcase our respective expertise and services to a wider audience. I believe that by working together, we could expand our reach and better serve our clients. I'd love to discuss this proposal further and explore how we can make this partnership a success. Please let me know if you're interested in pursuing this opportunity. Thank you for your consideration. Best regards, [Your Name]

7 © 2023. Financial Scenarios LLC. All Rights Reserved Five blog topics related to insurance and retirement planning and with multiple discussion points for each topic on the following pages: 1. "5 types of insurance everyone should have for a secure retirement" 2. "Retirement planning: What to do if you haven't started saving yet" 3. "The pros and cons of annuities for retirement income" 4. "How to maximize your Social Security benefits in retirement" 5. "Long-term care insurance: Is it worth the investment?" Calendar Link:

8 © 2023. Financial Scenarios LLC. All Rights Reserved 5 types of insurance everyone should have for a secure retirement Having the right insurance coverage can play a critical role in ensuring a secure retirement. Here are five types of insurance that everyone should consider: 1. Health Insurance: As you age, your healthcare needs are likely to increase. Health insurance can help cover the cost of medical expenses, including doctor visits, hospital stays, and prescription drugs. Having comprehensive health insurance can also protect you from the high costs of long-term care. 2. Life Insurance: Life insurance can provide financial support for your loved ones if you pass away unexpectedly. It can be especially important if you have dependents who rely on your income, such as a spouse or children. With life insurance, you can help ensure that your family is taken care of even after you're gone. 3. Long-Term Care Insurance: Long-term care insurance can help pay for the costs of care in a nursing home, assisted living facility, or in-home care. These costs can quickly deplete your retirement savings, so having long-term care insurance can provide you with peace of mind knowing that you'll have the financial resources to cover these expenses. 4. Disability Insurance: If you become disabled and unable to work, disability insurance can provide you with a source of income to help cover your living expenses. This can be especially important if you don't have a large emergency fund or if your retirement savings are not yet sufficient. 5. Homeowner's Insurance: Homeowner's insurance can protect you from financial losses if your home is damaged or destroyed by a natural disaster, fire, or theft. This can be particularly important if you own your home outright and don't have a mortgage payment to fall back on. Having adequate homeowner's insurance can help you avoid financial hardship in the event of an unexpected disaster. Calendar Link:

9 © 2023. Financial Scenarios LLC. All Rights Reserved Retirement planning: What to do if you haven't started saving yet If you haven't started saving for retirement yet, don't worry – it's never too late to get started. Here are some steps you can take to start saving for retirement today: 1. Set a retirement savings goal: First, you'll need to determine how much money you'll need to save for retirement. Use an online retirement calculator to estimate your retirement savings goal based on factors such as your age, income, and expected retirement age. 2. Create a budget: Next, create a budget to help you prioritize your retirement savings. Look for areas where you can cut back on expenses and redirect that money toward your retirement savings. Even small contributions can add up over time. 3. Open a retirement account: There are several types of retirement accounts to choose from, such as a 401(k), IRA, or Roth IRA. If your employer offers a 401(k) plan, start by contributing enough to take full advantage of any matching contributions. If you don't have access to a 401(k), consider opening an IRA or Roth IRA. 4. Increase your contributions: Once you've started saving for retirement, gradually increase your contributions over time. As you earn more money or pay off debt, redirect those funds toward your retirement savings. 5. Consider working longer: If you're behind on your retirement savings, consider working longer to give yourself more time to save. Delaying retirement by just a few years can make a big difference in your retirement savings. 6. Get professional advice: Consider working with a financial advisor who can help you create a retirement savings plan tailored to your individual needs and goals. A financial advisor can also help you make smart investment decisions and adjust your retirement savings strategy as needed over time.

10 © 2023. Financial Scenarios LLC. All Rights Reserved The pros and cons of annuities for retirement income Annuities can be an attractive option for generating retirement income, but they also come with some potential drawbacks. Here are some of the pros and cons of annuities for retirement income: Pros: 1. Guaranteed income: One of the primary advantages of annuities is that they offer a guaranteed stream of income for life. This can provide peace of mind for retirees who want to ensure a stable source of income in retirement. 2. Tax deferral: Annuities offer tax-deferred growth, meaning you don't have to pay taxes on the earnings until you start taking withdrawals. This can help your savings grow more quickly over time. 3. Customizable features: Annuities offer a range of features and options, such as inflation protection and survivor benefits, that can be tailored to your individual needs and goals. 4. Indexed Annuities provide the opportunity for earning Market Like Returns with no downside Risk due to a feature called Annual Reset. Cons: 1. High fees: Variable Annuities can be expensive, with fees and charges that can eat into your returns over time. Be sure to carefully review the fees and expenses associated with any annuity you're considering. 2. Lack of liquidity: Annuities typically come with restrictions on when and how you can access your money. If you need access to your funds for an emergency or unexpected expense, you may be limited in your options. During the early years of Annuity ownership, one may be subject to withdrawal charges when withdrawing more than 10% in a year. 3. Inflation risk: Annuities may not keep up with inflation over time, meaning that the purchasing power of your income may decrease as prices rise. Complexity: Annuities can be complex financial products, and it can be difficult to understand all of the features and options available. It's important to work with a financial advisor who can help you navigate the complexities of annuities and ensure that you're making the best decision for your individual needs and goals.

11 © 2023. Financial Scenarios LLC. All Rights Reserved How to maximize your Social Security benefits in retirement Social Security benefits can be a critical source of income in retirement. Here are some steps you can take to maximize your Social Security benefits: 1. Work for at least 35 years: Your Social Security benefits are based on your average earnings over your 35 highest-earning years. If you work fewer than 35 years, zeros will be factored in for the missing years, which can lower your benefit amount. 2. Delay taking benefits: You can start taking Social Security benefits as early as age 62, but your monthly benefit amount will be permanently reduced if you start taking benefits before your full retirement age (FRA). Your FRA is based on your birth year and ranges from 66 to 67 years old. For every year you delay taking benefits past your FRA, your benefit amount will increase by about 8% up to age 70. 3. Coordinate spousal benefits: If you're married, you may be eligible to receive spousal benefits based on your spouse's earnings record. To maximize your combined benefits, consider delaying taking benefits until you reach your FRA or later. 4. Check your earnings record: It's important to review your Social Security earnings record to make sure it's accurate. You can do this by creating an account on the Social Security Administration's website. 5. Factor in taxes: Social Security benefits may be taxable depending on your income. If your income is high enough, you may need to pay taxes on up to 85% of your Social Security benefits. Consider consulting with a tax professional to determine how Social Security benefits will impact your overall tax picture in retirement. 6. Consider working part-time: If you start taking Social Security benefits before your FRA and continue to work, your benefits may be reduced if you earn more than a certain amount. However, once you reach your FRA, you can work and earn as much as you want without any reduction in benefits. In fact, continuing to work can increase your future benefit amount if your current earnings are higher than any of your previous 35 highest-earning years.

12 © 2023. Financial Scenarios LLC. All Rights Reserved Long-term care insurance: Is it worth the investment? Long-term care insurance (LTCI) is designed to cover the costs of care when someone becomes unable to perform daily living activities such as bathing, dressing, and eating due to a chronic illness, disability, or cognitive impairment. The insurance typically covers the costs of care provided in a nursing home, assisted living facility, or in-home care. Whether LTCI is worth the investment depends on several factors, including your age, health status, financial situation, and personal preferences. Here are some things to consider: 1. Many people are under the impression that Medicare provides long term care benefits but Medicare provides minimal long term care benefits unless you are your assets are negligible and can qualify for Medicaid. 2. Age: The younger you are when you purchase LTCI, the lower your premiums will be. If you wait until you are older, you may not be able to qualify for coverage, or the premiums may be too high to be affordable. 3. Health status: LTCI typically requires medical underwriting, which means that you will need to provide information about your health and medical history. If you have a pre-existing condition, you may not be able to qualify for coverage, or you may be charged a higher premium. 4. Financial situation: If you have significant assets and income, you may be able to pay for long-term care expenses out of pocket. However, if you do not have sufficient savings or insurance coverage, long-term care expenses can quickly deplete your assets and leave you with limited options for care. 5. Personal preferences: Some people prefer to rely on family members, which is not really the best solution, as it is can be a very stressful and time consuming for family members who usually have other responsibilities already. Others may prefer the security and peace of mind that insurance provides for them and their family members. Overall, LTCI is a good investment if you are at risk of needing long-term care and can afford the premiums. However, it is important to carefully evaluate your options and consider factors such as your age, health status, financial situation, and personal preferences before making a decision. It may also be helpful to consult with a financial advisor or insurance professional to get personalized advice.

13 © 2023. Financial Scenarios LLC. All Rights Reserved Additional resources to help you become a Life Insurance Influencer to help find qualified prospects build relationships and close more sales to build your practice. Targeted Small Business Owner Lead Lists: https://5centleads.com Free CRM with Email Sending and Tracking Capabilities: https://5centleads.com/marketing-crm IUL Relationship Building Marketing Videos to go with the Scripts: https://5centleads.com/7touches 2023 Jumpstart: https://5centleads.com/2023-jumpstart It’s a 10 - A 29 Page PDF with 100’s of IUL Sales Ideas: https://tlgts.com/it-s-a-10 Max Funded IUL Comparison Sales Software Agent Membership Site https://tlgts.com MGA Agent IUL Product Support Site: https://taxfreemoneymachine.com

14 © 2023. Financial Scenarios LLC. All Rights Reserved If you have any questions about becoming A Life Insurance Influencer by building an IUL Marketing Campaign, or an Agent Recruiting Campaign, or if you just need a list of Small Business Owners in your area to target, or if you have questions about anything discussed in this document, feel free to get on my calendar or call or write: Calendar Link: Call: Louis G. LaBash @ 1-855-LESS-IRS Email: louis.labash@financialscenarios.net