IMS Associates

10/06/2025

As we head into the final quarter of the year, underwriting niches become even more valuable for advisors as they chase year end production goals.

With over 35 years of experience and access to over 50 carriers, IMS Associates is well equipped to assist you with any of your tough cases and here to help.

There are several useful underwriting niches that could be available:
• Preferred NS for Prostate and Breast Cancer Hx
• Standard NS for DUI w/in 2 years
• Preferred NS for Occasional Cigarette Smokers
• Preferred Best Daily Ma*****na Use
• Automatic Standard to Preferred Best UW upgrade
• Moderate Sleep Apnea at Preferred Best

And much more via our IMS Life Underwriting Programs here: https://imsbga.com/underwriting-niches/

Financial professional use only. Not for Public distribution 4872153-1025. IMS Associates does not provide tax, accounting, or legal advice. Any case examples are hypothetical and for illustrative purposes only.

08/13/2025

Loan Refinancing & 1035s

Do you have clients who have taken out loans on their life insurance policies? Have you reviewed policy projections and long-term viability of their polices?

While policy loans are not taxed, that does not mean they do not have a cost. Many clients unknowingly risk the longevity of their coverage by not servicing interest or repaying policy loans.

Some older Whole Life policies may have annual loan rates in the 6%-8% range, which can impact policy growth and long-term performance.

Some clients may qualify for policy loan refinancing at lower rates, such as 2.5%, depending on underwriting , policy design and current market conditions.

Hypothetical Scenario:
- 65 year old insured
- Current Death Benefit of $1.1M
- $458,167 in Account Value w/ $125,612 Outstanding Loan at 8.0%
- Policy projected to lapse in nearly 17 years

Hypothetical Solution:
- Client transfers entire Account Value including the Loan into new $1.1M policy
- Assuming a new 2.5% loan rate, the client can repay the loan from cash policy in year 2
- Policy is then projected to run over 10 years longer with no further premium
- The new solution requires no additional out-of-pocket premium, could extend coverage beyond life expectancy, and if structured correctly could avoid any taxation.

Explore Solutions for Your Clients Here: Loan Rescue - https://lnkd.in/gSzeDAh8

*Financial professional use only. Not for Public distribution 4739949-0825. IMS Associates does not provide tax, accounting or legal advise. Any case examples are hypothetical and for illustrative purposes only.

04/30/2025

Best of All Worlds Annuity - Meet the FIA that provides you clients with a unique combination of options.

Single premium, index-link Annuity that allows any combination of the following:

Allocation 1 - 1-year fixed rate, declared at issue and each contract anniversary

Allocation 2 - Mult-year guaranteed rates offered for 3-, 5-, and 7-year Terms.

Allocation 3 - S&P Annual Pt-Pt with an 8% Cap

Allocation 4 - S&P Annual Pt-Pt with 60% Par Rate

This innovative, proprietary product allows for a hybrid investment strategy all in one product, allowing clients to take advantage of the best of market conditions and interest environments every year.

Get Access Today: https://imsbga.com/interest-plus-annuity/

04/23/2025

Guaranteed income at guaranteed rates of return is important as ever in today's market conditions. While having funds in the "market" is still a financially sounds practice, the recent market conditions have once again highlighted the importance of pairing any retirement strategy with guaranteed, reliable rates of return.

When reviewing real returns in our markets, during accumulation and draw down or income periods, it is clear the value of locking in guaranteed accumulation rates and guaranteed income amounts.

Contact IMS to review a Case Study comparing how your clients may benefit, or lose out, with and without proper guaranteed hedging vehicles. Clik Here: https://imsbga.com/guaranteed-rates-and-income/

03/05/2025

Best of Both Worlds - A MYGA with Indexed Options for Upside Growth

IMS Associates can provide your clients with a MYGA from an A rated carrier that not only provides competitive MYGA rates for 3-Year, 5-Year, and 7-Year annuities, BUT also provides clients with Indexing Options.

This innovative product allows for a hybrid investment strategy all in one product, allowing clients to obtain the guarantees provided in traditional MYGA, with the options for additional growth via the S&P 500 index.

IMS can provide you with comparisons and case design for both a traditional MYGA and hybrid Indexed MYGA on your next case.

Check Out the Indexed MYGA here: https://imsbga.com/indexed-myga/

01/15/2025

The Case For or Against Premium Deposit Accounts

Clients often want to complete Life Insurance funding in a one-time payment, using a Premium Deposit Account (PDA) may be great alternative for a non-MEC strategy that still maximizes IRR for the client.

For example, see how funding via Traditional 10 Pay compares to using a PDA with a 10 Pay. Using $100,000 of funding for 45 Year Male at Preferred Best Rates:

Traditional 10 Pay = $141,122 of Initial DB, and $254,022 at Age 65
Vs.
PDA with a 10 Pay = $181,262 of Initial DB, and $326,642 at Age 65

Reach out to IMS to discuss how to optimize your Short Pay Funding Strategies and compare IRR while using PDA for 5-Pay, 7-Pay or 10-Pay strategies and more here:
https://imsbga.com/premium-deposit-accounts/

01/08/2025

A New Year, with New Improvements to Instant Issue and Accelerated Underwriting life insurance programs.

Stay up to speed on the newest changes with the 2025 IMS Accelerated UW Guide.

All programs offered by an "A" rated carriers with top compensation. Download the Guide and find out how you can offer your client's Instant Issue Life Insurance today here: https://imsbga.com/ims-accelerated-underwriting-guide-download/

12/20/2024

2024 MYGA Rates

Contact IMS to Lock in Your Client's Rates Before 2025 Decreases.

Current 2 Year- 4.90%
Current 3 Year - 5.20%
Current 5 Year - 5.50%

Access the IMS MYGA HUB Here: https://imsbga.com/2024-myga-rates/

12/12/2024

Social Security Income is increasing by 2.50% and over 72 million Americans will see in increase in their 2025 Social Security Benefits.

How does this affect your clients?

Click Here to Download Your Copy of the IMS 2025 Social Security Fact Sheet: https://imsbga.com/social-security-income-and-tax-changes/

10/29/2024

10/09/2024

Do you want access to easy, turnkey solutions to provide your Business Owner clients?

Let IMS assist you in pre-sale, case design, and even presenting to your business owners.

With a wealth of resources, we make the process easy:

• In-house advanced sales and legal specialists
• Free business evaluations
• Customized presentations for both Life & Disability Insurance solutions
• Years of experience with Executive Carve-Outs, Succession Strategies, Retirement Bonuses, Retention Strategies and more

Learn more about how IMS can show you how to present meaningful and valuable Business Insurance Solutions to business owners here: https://imsbga.com/planning-for-business-owners/