I am thinking about purchasing a smaller annuity to bridge me to 70. I have a defined benefit for about 48 K and really only need 40,000 per year for the period from Jan 2012 when I would be 60 years and a couple of weeks old until Dec 2021. I would want the policy to have survivor benefits at 100% for this period. Please email me when we could talk on the phone about this request and also send the phone number.

Rich - CO

A little feedback on your drip system... In October of 08, this guy attended one of my annuity seminars. I even did a fact finder for him and gave him a recommendation for safety. He decided to wait to try and get back a little of his previous losses. I put him in the annuity drip system and sent him a newsletter every month. A few days ago he calls me out of the blue and he's ready to move. Today I sent an app with a check to American Equity for $84,000 and his variable annuity for $45,000 matures in February and we will do that one as well. By the way, he has saved every single newsletter! Sorta pays for a few mailings, eh.

Rick Taylor - MT

Drip, drip, drip... Received the email below a few minutes after the latest "drip" went out yesterday... Read the guy's one-line email below - as Jackie Gleason used to say - "How sweet it is!!"... Never was able to get this guy to pick up the phone when he called the radio show on 5/30/2010 (almost a year ago)... now it looks like the guy has actually "raised his hand again" thanks to the Chinese water torture known as ERMS!

Rick Dennis - TX

I've been in the annuity business for over 30 years, and I've always dreamed of a marketing system that would be automated and keep me in front of my clients and prospects. This is magic. I know it will, despite my best attempts to mess it up, develop a lot of business in the future. After only 2 weeks, I'm already receiving responses. One is from the sister of a client I've been trying to connect with for over a year. It's all, as you know, a matter of taking time to see tangible results. But it's impossible for this not to be an important part of my or any agent's business.

Mikel O - CA

On Friday, I completed my first sale generated by the ERMS system: $330,000 moving from mutual funds. Bob had first heard the radio show in June 2010, didn't want to meet, had interest, was thinking of retiring in about a year, would call me when ready to meet, and went on my newsletter drip list. In September 2010, he was laid off (financial analyst). Still didn't call me. In early February 2011, we put him on the Retire Village email drip list. Two emails later he called me, and on our second meeting, we did the paperwork to open 4 accounts and move the $330,000! This annuity marketing system works! This next week I expect to write my second piece of ERMS-generated business, an internet lead from October of last year who just wanted information, no meeting and then asked for contact after receiving two emails from the ERMS system. We had our first meeting last week, and the plan is to move $150,000 this week from T Rowe Price. There is about $400,000 that I know of (so far) that could eventually be moved as trust develops.

Thank you for your marketing expertise and tools. This ERMS tool is fantastic!

David D. Braun, ChFC, CLU, LUTCF - CA