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New! Try the new Quote Request tools on our website for all your Life, D.I. and Annuity illustrations.
Reminder: Effective January 1st, all Protective Life term sales less than $1 million must be written using their TeleLife app process. This is for Protective Life, only.
Here's a better mousetrap that will win you sales! West Coast and Protective have introduced a new term plan...Income Replacement Term. Instead of pitching a large face amount that your client might scoff at ("I don't need that much!") sell them a plan structured to send replacement income to the beneficiary.
Up to 40% lower in cost than traditional level term, depending on age and rate class. Example: M-45 Pref NS, $600K of 20 year level term costs $752 annually. But, a $100K policy with additional annual payouts of $25K per year to the beneficiary for 20 years provides the same $600K, but cost only $633...a savings of 16%.
Better serves the true "need" for income replacement sales because studies show that beneficiaries usually spend a lump-sum benefit within 4 years.
Request an Income Replacement Term quote to compare with traditional term on your next sale.
Be sure to review our list of Who's Fastest / Slowest. Contact Jeff Darnell at ext. 225 for U.L. quotes or impaired risk questions, or Julie Adams at ext. 233 for term quotes.
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This industry continuously evolves. Contact Jeff Darnell at ext. 225 for more information.
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"Value Added" is what separates you from your competition. What do you deliver beyond hard, cold product?
Wellness For Life is true value-added. When your client purchases an AVIVA guaranteed U.L. policy with the critically acclaimed Wellness For Life program rider, they benefit in two ways:
(1)They are eligible for reductions in the cost of insurance rates on their policy in future years. The reductions can mean substantial savings to your clients, especially those issued with smoker rates or sub-standard table ratings!
(2)They receive services directly from Mayo Clinic including newsletters/calendars imprinted with your name and phone number. Mayo is not a bad name to be associated with!
Wellness For Life gives you something beneficial and real to talk with clients about, giving you an edge over your competition. Contact Jeff at ext. 225 for more information.
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Excerpt from "The Little Red Book Of Selling", by Jeffrey Gitomer. There are 12 characteristics that make "you" strong enough to make a sale. Rate yourself in each category form one (poor) to ten (the greatest) on each.
Image - How you look affects the way you are perceived.
Ability To Speak - Can you convey the message? Are you a member of Toastmasters?
Ability To Establish Rapport - Do you make the scene warm?
Attitude - Your enthusiasm combined with your state of internal happiness.
Product Knowledge - Your convincability. Know it!
Desire To Help - Desire to help shows, so does greed.
Preparedness - Confidence builder if you are, destroyer if you aren't.
Humor - Nothing builds good feelings like good humor and a good laugh.
Creativity - What makes them talk about you?
Sincerity - Shows through either way. Are you genuine?
Reputation - Or, the reputation that precedes you.
Glue - The way you handle the total package. The way you carry yourself.
If you scored 99-109 you're pretty darned good. If you're 70-98 you're not as hot as you think. At 50-69 you're mediocre at sales...work at it and get better or get out.
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Due to a large surge of new business applications and new agent appointments, Fort Dearborn is suspending new sales until the New Year. In order to be processed, applications must be dated December 10th or earlier, and must be postmarked the same. We'll advise everyone when they are accepting new business, again. Otherwise, traditional fixed rates from other carriers include:
5 years - 5.25% with an A (Excellent) rated carrier
7 years - 5.60% with an A+ (Superior) rated carrier
See all of our Top Picks and don't forget to ask about our non-qualified stretch annuity.
New! Exclusive 3-D Fixed Rate Calculator:
People love pictures. View a sample calculation. This tool instantly compares & illustrates top carriers, ratings, product values, product details and commissions.
See more on the capabilities of this tool by viewing our "How To" PowerPoint, and
Join us on December 17th at 11 a.m. EST for a "How To" conference call. E-mail Adam Frechette for call-in instructions.
To see all companies and all products visit the CD-type Multi-Year Guarantee plans and Indexed annuities sites.
Contact Adrienne Tucker at ext. 229 with questions on CD-type MYGA plans, or Adam Frechette at ext. 230 with questions on indexed plans or e-mail us your Quote Request.
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You have a lot of new tools at your disposal for retirement income planning!
Income For Life riders can be turned on and turned off, and don't require annuitization
Income For Life riders provide large premium bonuses
Today's SPIAs have liquidity features
Some SPIAs can be deferred for up to 20 years
Underwritten SPIAs can significantly increase the payout to your clients with health histories
Take our $100 challenge. Send us your SPIA from an A+ (Superior) carrier that you plan on presenting. If we can't beat it, we'll send you $100!
Contact Adam Frechette at ext. 230 for details. And, now, your can e-mail us your Quote Request.
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Union Central will permit clients with the future increase option on their existing policies to exercise the option prior to their policy anniversary dates if the insured has experienced a significant increase in their income, or have lost existing group LTD coverage as the result of a job change.
Now's the time for a quick Guaranteed Issue Sale! Carriers will make GSI offers to groups with as few as five lives. Review your current client base (group insurance, 401k, buy-sell) to look for business clients with five or more key employees. With almost no underwriting, GSI cases can be approved and issued within three business days!
Make it a habit to request a D.I. quote every time you plan on making a life insurance sales presentation. You can do so by clicking on the Quote Request page on our website. We'll e-mail illustrations back to you asap!
We have the solution for your clients that claim, "I can't afford disability income coverage"!
Guaranteed Renewable D.I. contracts are as much as 1/3 lower in cost than Non-Cancelable contracts
Yet, they still have the same strong definition of disability and benefit periods to age 67
Especially attractive for females, individuals over age 50, and self-employed blue collar occupations
Contact Steve Crowe at ext. 222, Ellen Crowe at ext. 223 or Shannon Huddleston
at ext. 234 for quotes, software, tools and sales support. Ask us about conducting training sessions for your office staff, or call us to walk through the D.I. tools on our website.
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