DI
Jonathan entered the insurance business in 1997, working exclusively in the brokerage
marketplace, specializing in disability insurance. Jonathan’s technical knowledge
and experience is showcased by his induction to the highly specialized disability
organization known as the Plus Group, as an Associate Partner, in 2001. Jonathan
left the Plus Group in 2006 to launch a “state of the art” disability resource center
for agents and brokers strictly within Capitas.
Jonathan’s top priority is to provide a full range of services to the producer and
their clients that cannot be matched in the industry. As a member, Jonathan sets
up, trains and works with independent agents, brokers, and financial planners in
national accounts.
His experience lends to our ability to not only solve the simplest individual disability
need, but also design complex case solutions for use in the corporate market.
For More Information please contact:
Life Insurance
We offer the professional financial advisor with “one-stop” access to a broad spectrum
of insurance products from the finest insurance carriers. We offer another advantage,
which our competitors cannot match – a full range of “value added” support resources
to assist in properly integrating the insurance product into the overall financial
or estate plan. These support resources include:
- In-house tax and estate planning attorney to provide legal, tax and estate planning
consultation in connection with the design, structure and implementation of insurance
programs for the client’s overall financial and estate plan;
- Proposal capability covering a broad range of tax, deferred compensation, business
continuation and estate planning issues and strategies;
- Proprietary software which provide “cutting edge” solutions to even the most complex
and sophisticated planning situations and problems;
- Experienced and proven local “point-of-sale” support at no cost. This enables us
to provide a team selling approach with a salesperson and advanced planning attorney;
- Comprehensive sales and marketing support, product carrier competitive analysis,
in force policy review, advanced filed underwriting and policy owner support services
following the purchase.
For More Information please contact:
Bob Sweet: Associate Director of Marketing
bsweet@smithcompany.com
Annuity
Annuities are one of the many services that the Smith Companies offers. We offer
the professional financial advisor with “one stop” access to a broad spectrum of
insurance products from the finest insurance carriers. By concentrating on the New
England and Southern Florida regions we are providing top level hands on training
to all our advisors.
Some Key Services are:
- Fixed/INDEXED Annuity Product Analysis
- Advanced Point of Sale Case Design
- Turn-key Post Sale Follow Up Systems
- Marketing & Business Plan Development
For More Information please contact:
Bill Bonk
Director of Annuity Sales bbonk@smithcompany.com
Brenden Hickey
Annuity Sales Consultant
Annuity Website: www.annuitygps.com
Executive Benefit Plans (NQDC and BOLI)
Nonqualified Deferred Compensation (NQDC) Plans
If you can answer YES to any of the following questions, your client may be a candidate
for a Nonqualified Deferred Compensation Plan!
- Are your key employees concerned about having enough savings from qualified plans
and Social Security benefit to retire comfortably?
- Are you or any of your key employees limited in the amount of contributions you
can make into your 401(k) plan?
- Do you have any other qualified retirement plans where you or any of your key employees
receive less benefits than other employees?
- Are you concerned about recruiting, retaining and reward high-performing key employees?
- Are you interested in developing special incentives to tie your key employees to
the business for the long term?
- Would you or any of your key employees like to save more money on a tax advantages
basis?
Bank Owned Life Insurance (BOLI) Plans
- Do you have a client that is an owner, president, CFO, or on the board of directors
of a community bank?
Bank Owned Life Insurance (BOLI) is a single premium life insurance contract specially
designed for banks to earn tax-free income. BOLI’s tax-free income comes from two
sources: growth of the cash value in the policy, and insurance proceeds paid to
the bank when the insured dies.
BOLI creates the opportunity for a financial institution to positively impact financial
statement earnings by generating stable revenues from non-loan sources enhancing
the “other non-interest income” section of their Income Statement while providing
competitive investment returns with superior credit quality.
BOLI assets grow tax-deferred on the institution’s Income Statement and Balance
Sheet creating an earnings advantage over other investment alternatives of similar
credit quality.
These assets, when utilized correctly, have the ability to assist institutions with
their benefit programs, earnings and competitiveness in the marketplace.
It is a highly effective tool with an estimated $78 billion of BOLI cash value existing
in the marketplace today. Hundreds of community banks, as well as many of the largest
financial institutions, have implemented BOLI programs as an alternative revenue
or financing strategy.
For More Information please contact:
Michael Lee: MLee@SmithCompany.com
Diane Stevens: DStevens@SmithCompany.com
Long-term Care
Long Term Care is one of the many services that the Smith Companies offers. We offer
the professional financial advisor with “one stop” access to a broad spectrum of
insurance products from the finest insurance carriers. By concentrating on the New
England and Central & Southern Florida regions we are providing top level hands
on training to all our advisors.
Some Key Services are:
- Customized Policy Designs
- Policy Review Service
- Turn-key Pre & Post Sale Follow Up Systems
- Marketing & Business Plan Development
For More Information please contact:
Tiffany King, CLU, ChFC
Long Term Care Specialist: tking@smithcompany.com
Key Points
- Experience: Over 20 Years Industry Experience & A Proven Track Record with Registered
Representatives
- On Site Service: We have a Local Presence & Face to Face Service Capabilities
- Products: Access to the top Long Term Care Carriers in the Industry
- Technical Support: In House Legal Counsel, CPS, CFPs, CLUs and Advanced Marketing
Specialists
- Sales Support: Local Training and Point of Sale Support
- Possessing: Streamlined Forms, Proposal Requests and Follow up
- Case Tracking & Reporting: Case Status, Production Reports
