Frequently Asked Questions:

You only need 3 total, one from each group in the list below. That can be your home state and two others.

Getting non-resident licenses is usually easy, fast and cheap. You can simply go to NIPR and pay a nominal fee, then usually you are ready to go immediately.

We require 3 states, one from each group because that way we can guarantee to get you the number of leads we are committing to.

After you order you can tell us what states you want to take leads in.

Yes . If you want to make IULs and annuities a focus in your business, this is the place to be. You can get product training, as well as sales and implementation training to generate leads and to close business.

While contracting is NOT REQUIRED to get access to the Liberation program, if you choose to contract with us, our back office is FIG Marketing in North Carolina. They have over 180 employees, and do over 2 billion in annuity sales every year. They are an industry giant.

They have virtually every IUL and Annuity carrier in the country. So anything you need, you can get access to.

However there are several key IULs and Annuities that we recommend in order to sell virtually, and that have great competitive products for the consumer. Once you join we will make those recommendations.

If you haven’t worked with FIG, you will be thrilled with their service and support.

Here are a few of the comments we’ve heard from our members.

“They have been very helpful and attentive to concerns, questions I have had.” - Bill A.

“They're great. Very responsive and supportive.” - Dan B.

“They are quick in response time within the day for inquiries and illustrations.” - Karina V.

“So far so good. The contact for deals has been responsive and quick.” - Lindsay K.

“Life side great, w/Phillip & Dean as well as Jennifer on Life new biz case support.” - Rick A.

“FIG has been very quick in getting the illustrations to you fast. It's been awesome service, no problems... :)” - Scott H.

“Quick turn around and very responsive to questions.” - Peter G.

“Extremely fast response times.” - P. Guardino

“They seem to always treat me like important customer despite not having written much business yet.” - Revae S.

You are not required to contract with us to get access to Liberation. It is our goal to earn your business, but we know that comes with time, so we will work hard to earn your production.

When you do write business with us, you earn free leads, so many producers find this to be a great opportunity. We end up paying for your leads. You earn 5% of target commission toward free leads, and 40 basis points on participating annuity and IUL business.

No, all of our leads are in the same pool and our lead distribution department doesn't know agents by name or production level. Leads are distributed based on area and who is next in the round robin.

The first appointment is a series of 13 steps. It takes about 15-20 minutes to give. We find spending a couple hours to review the playbook and watch some of the trainings is sufficient. However, the more you practice, the better you will become.

The second appointment takes a little longer to give, so dedicating a few more hours to learning it and practicing is encouraged. Again, the more you practice, the more effective you will be.

You will need a total of 3 state licenses. It can be your own state and 2 others.
Typically those licenses are inexpensive and quick to get on www.nipr.com

The beauty of selling virtually is really that you're selling over the phone. You're talking to them over the phone, you're not doing anything complicated. The technology we use is like a webinar. It’s easy to use. If you've ever been able to get on a webinar you can do this.

It depends on what your goals are in your business. If you're tired of selling small ticket cases and wasting your time driving around, then it could be something to consider. If you're just looking at this as a part-time gig, then maybe not.

Our entire sales process is predicated on asking good questions and keeping them engaged, and besides asking good questions, it's using takeaway selling. "I don't know if you're going to be interested in this. Will you let me know if you don't think this is a good fit? I'm not sure that you're going to like this." Those kind of takeaways all the way along so that they continue to confirm, "Yeah. No, I'm interested. Yeah, okay. Yep." And they keep moving forward…If you can ask questions you can sell.

YES! We have a triple guarantee to make it Risk Free for you to get started:

1. Lead delivery guarantee. We guarantee to deliver your leads within 30 days of the date you are scheduled to start taking leads. For example, if you join on May 1, and your leads are scheduled to start on May 15, we guarantee your leads will be delivered by June 15th.

2. Money Back Guarantee. Get started and if you aren’t blown away with our Virtual IUL and Annuity Business System within 14 days, let us know and we’ll cheerfully refund your money, no questions, no hassles.*

3. Keep the premiums. If you join and request your money back, you keep the new member package, including your free books, First appointment Playbook, Laminated Checklist, and all other training we send to you!

*14 days or before your first lead is delivered, whichever comes first.

The average sale on the IUL side is $8,000 to $10,000 in target, and on the Annuity side is $150,000 to $200,000 in premium.

For every $5,000 in IUL target or $150,000 in Annuity premium you write you earn free lead credits. (Each carrier has a different crediting amount. Some are higher than others.) This is why it’s called it The Perpetual Income Machine: For example, if you write $10,000 worth of target with Allianz, you would earn $1500 in free leads. That goes towards your following months of new leads. If you can write a $13,400, you're earning $2,000 a month every month in new leads.

For annuities you get 40 basis points of your premium going towards free leads:

Issue Paid IUL Target with Allianz:

  • $5,000= $750 Free Leads
  • $10,000= $1500 Free Leads
  • $15,000= $2250 Free Leads
  • $20,000= $3000 Free Leads
  • $25,000= $3750 Free Leads
  • $30,000 = $4500 Free Leads
  • $35,000 = $5250 Free Leads
Issue Paid Annuity Premium with Athene:

  • $187,500 = $750 Free Leads
  • $375,000 = $1500 Free Leads
  • $562,500 = $2250 Free Leads
  • $750,000 = $3000 Free Leads
  • $937,500 = $3750 Free Leads
  • $1,125,000 = $4500 Free Leads
  • $1,312,500 = $5250 Free Leads

All leads are generated the same way. You are getting an exclusive prospect who is interested in the indexing concept. Once you find out their situation you tell them what product you think might be best for them. IUL leads are typically going to be between the ages of 30 and 55 while Annuity leads are going to be 55 to 79.

A preferred lead is somebody who's called in, gone through the exact same process, but said, "Look, I don't have time right now to meet. Have somebody call me back and I'll meet with them."

We see ROIs from 3 to 1 all the way to 12 to 1. It depends on the size of the cases that you write and your skill set in closing cases.

It totally depends on the agent. You've seen agents in this business who make millions of dollars. You've seen agents in this business who make zilch and go back to doing whatever they were doing before. What's the difference between those two agents? Skill set, work ethic, abilities, natural personality. There's a thousand different reasons why those two things happen. There's no way to guarantee what your close rate will be. However, if you only close 10% of the leads, you can still make it very profitable.

We've had agents that joined us seven, eight years ago and they're still with us today. They've spent hundreds of thousands of dollars and have made millions of dollars doing this. We've had agents that joined with one foot in and one foot out and they disappear after three months. It's the nature of the beast. It's a matter of your commitment to really making this lifestyle work for you. This can provide you a system that's predictable and a lifestyle that allows you some freedom that you didn't have before.

Yes. Invita Financial is an FMO. We want all of your business. Whatever source that it is, if it's IUL and annuity, we want to help you write it and give you free leads. You can get to the point where you don't even pay for leads. You're getting them all for free. So yes, we welcome it and we'll help make it worth your while.

We don't bank free leads indefinitely, however we will hold them for 3 months. After that they expire. We want you to be using them to be putting people in the pipeline and making sales.

Yes, we have an entire team dedicated to helping you put cases together and a back-office support to help them go paid through the underwriting process. Once the policy is submitted, we help scrub the app, follow up with outstanding requirements, and communicate with the insurance companies to get those cases paid as quickly as possible.

The leads get put into your members account in the portal and you're going to get an email and a text notifying you the new lead has been received.

At the $2500 level you’ll get 10 at bats with a minimum of 8 Preset appointments and 2 Preferred leads.

At $5000 level you’ll get 20 at bats, with a minimum of 16 Pre set appointments, and 4 Preferred leads.

We don't give people referrals to call and pester our successful agents. What we do is record videos with them so you can hear from them. You can come to the events and talk to them and that is the best we can do to make sure that we don't bombard our producers with people who are wondering if this is legitimate or for real. You can see their stories here: http://eliteleadseliteadvisors.com/success-stories.php

You typically have two-week window after you join before you start getting leads. It's very easy. You go through the onboarding and the onramp during that 2 week process. If you need leads faster than that, then let us know and we can accommodate that in some cases. If you need them slower than that, because you're going out or town or have a holiday or a trip or whatever or have something big coming up in your business, then you can let us know as well and we can customize and work around that. But as a principle rule, once you join you're going to be starting to get appointments within two weeks.

Go to minute 18:37 to hear the radio ad.

Following the “Appointment Show Up System” included in the training we see a show up rate of 60%-80%. Plus you can often get the prospects who don’t show on their first appointment back on the phone with some follow up.

Yes, we have replacement lead credits. So you get 10% of your monthly membership in lead credits. So if you $5,000 you're going to get $500 worth of lead credits every single month to replace those that don't show, that aren't qualified, ones you don't like and etc.

For most members, the answer is no. The leads come in and the appointment is set before we know who will eventually take that appointment. If you get double-booked you can call the lead and reschedule. If you want everything customized to you, with your own radio ad, your own book, your own calendar, all of that, it is part of our Club 131 membership for our producers doing over $3 million in annuity production and $100,000 in IUL. If you qualify we'd love to have you involved and we'll make you the PREEMINENT Advisor in your market along with all our other marketing campaigns implemented for you.

Your income depends on how many leads you take and your willingness to follow the system. The more at bats, the higher the chances for success.Those who figure it out make hundreds of thousands of dollars. Are there agents who fail? Of course. The 80/20 principle is as true here as anywhere. 20% make 80% of the money, 80% don’t follow the system and make less because of it. Still others simply never commit and move on to chase another shiny object promising quick riches. You can make money fast in Liberation, the ones who do are those who are humble enough to simply follow a proven process.

Yes. We have live sales call trainings in the members website that you can listen to.

Many people have been in the program for years. Making hundreds of thousands per year, spending hundreds of thousands in leads. This is really more a question of, are you confident that this can work for you? Many questions arise as an undercurrent of the bigger issue, which is, “Do you feel like you can be successful at this?” I can tell you how great the leads are all day long, but that doesn't mean you personally are going to close them. And unfortunately, I cannot guarantee that. What I can guarantee is what we deliver and what the results have been for people that follow our process. The question is, Can you ask questions? Can you follow our system? If so, then you can be successful.

The prospects' age ranges are going to depend based on the product. Annuity prospects are going to be 55 up to 80 years old, while your IUL prospects are going 30 to 50 and in their working years.

We also try to eliminate people that say they're unemployed or don't have any money or don't have any assets. As well as advisors and people in the business.

The monthly income surge is a way for you to add an extra 10 to 20 appointments with people interested in the indexing strategy. A lot of them will be business owners, and they won't cost you any money to generate. You get access IMMEDIATELY when you get involved so you can start seeing results from being in Liberation within just hours of joining. It’s a system to get appointments with people interested in the indexing strategy using email template, letters, books and scripts. Many of these leads can be Business Owners if you follow the system properly.

They usually get a copy of a book or cd, depending on the ad they see. They also get an email confirmation and an introduction video that sells them on the value of meeting with you.

We put them into a drip follow up sequence from Wealth Beyond Wall Street to make that credibility bridge from us to you. We tell them, "You're going to be meeting with an advisor who we have referred you to and who's going to take care of you."

Then we start dripping on them with content to help them understand the indexing concepts.

Our primary goal here is to take care of the client while helping you make a great living. How do you help somebody if they're 40 years old and making $300,000 a year and they don't want to buy an annuity? You don't. You don't sell that person an annuity just because you want to sell it to them. This prospect would be a better IUL prospect. There is a huge opportunity for increasing your income by understanding how to offer both to our prospects, and we’ll train you on how to do both.