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The DOL 84-24 disclosure statement covers issues such as:
Product Recommended
Relationship with Carrier
Compensation Received
Conflicts of Interest (failure to disclose a material conflict of interest is considered a misleading statement)
Product fees, charges, discounts, penalties or adjustments
Disclosure Statements must be retained in your client records for six years. Some carriers may require the statement be attached to the application.
You must complete a Professional Report/Producers Report (Each carrier will have their own specific form)

  • Sales Idea Episode 66 – 40 Year Term Life Insurance (2/11/2019)- Sales Idea Episode 66 40 Year Term Life Insurance For decades we thought 30 year term was the longest term life insurance policy a person could buy. Now we have one company offering 40 year term! In less than three minutes, I reveal the optimal market for this brand new term life product.
  • Sales Idea – Is IUL too expensive? (2/5/2019)- Is Indexed Universal Life Insurance too expensive? To answer that question you should consider a few things. How long will the policy be in force before I access the cash value? Some of the expenses are both fixed and front-loaded. This means the longer the policy is in force and the more the accumulation value […]
  • 3 Ways to Earn Gift Cards in February (1/31/2019)- Did you know at one time the month of February didn’t even exist on the Roman Calendar? Nobody really cared for winter much, so the calendar ran from March through the end of December with January and February being afterthoughts. We’ve come a long way since then, and we’re glad to have February on the […]
  • Sales Idea – Laid Back Underwriting to Grow Your Business (1/29/2019)- Did you know some life insurance companies offer non-smoker rate classes to current marijuana users? Don’t lose these clients in the weeds. Sometimes the grass is greener on the other side!