Life Insurance

I sell life insurance

Presented by Jim Linn   Other salespeople are limited.  They just sell furniture, appliances, cars or shoes. I make life worth living by selling those things and many more.  I sell meat, bread and milk for the table of a family deprived of a father or mother.  I sell cancelled mortgages so that mother or father and children can live comfortably.  I sell college educations to give the children better opportunities in life.  I also sell the little extras like ice cream cones, roller blades, movie tickets and a dress for the prom.  I sell time with grandchildren, golf clubs, fishing tackle, exciting trips, retirement income and self respect for later years.  I sell all the necessities and good things for life, because life insurance is for the living.
Long Term Care and Disability Insurance

Why isn’t Disability Income insurance sold more?

Presented by Leonard Berthelsen   Ever stop and think for a minute what your life would be like if your paycheck stopped, your commission check wasn’t there or your renewals were reduced to a trickle? Why aren’t we asking our clients this question?  The most valuable asset that a person controls is their ability to earn an income.  How would our families be able to continue to be supported if the income just stopped? Now let’s look at it from a consumer perspective – additional premium, more insurance, what if I don’t use it.  I’m covered at work and my employer is paying the premium.  WOW, that is a lot of obstacles to overcome.  Maybe we look at Disability Income insurance as too complicated, premiums too expensive or that most people are covered at work. Well, most people aren’t covered at work as it has become common place to see employers not offer Disability Income insurance or reduce what they did have.  Only 2%-7% of working adults under age 55 have Disability Income insurance.  It’s only expensive if you make it expensive.  Return of Premium at set stages in your client’s life makes DI a better fit and more affordable. You can break Disability Income insurance down to a few basic elements that will allow you to talk and present comfortably to your clients; age, income, occupation and some basic health history.  The rest falls into place.  You will be surprised how receptive prospects and clients will be when you un-complicate and de-clutter DI coverage. On your next appointment, ask your client what they would do if their income suddenly stopped?  Give them the opportunity to protect that most valuable asset, their ability to bring home a paycheck.
Life Insurance

Need a Home For Your Declined and High Risk…

Presented by Gary Peterson   Expand Your Impaired Risk Options with Graded Death Benefit Term and Whole Life! Graded Death Benefit 10 & 20 Year Term and Whole Life
  • Face Amounts up to $150,000
  • Issued Ages 20-75
  • No Medical Exam & No APS & No Tests
  • Accept/Reject Depends on Answers to the Application (Subject to MIB Check, Prescription Check and Height and Weight Chart)
  • Underwriting Decision at Time of Sale (note: some applications may require additional review)
  • Electronic Application & iPad Capability
  • M. Best Rated “A”
We have a carrier for you. Full product details included, including an easy-to-use premium calculator!  Contact me at 800-397-9999 for contracting and questions.
Long Term Care and Disability Insurance

Protection for the stay-at-home spouse?

Presented by Donna Ries   Few carriers allow disability income insurance protection for the homemaker due to lack of income.  Another alternative to consider is a critical illness plan. In the case of a major event such as cancer, heart attack or stroke, a lump sum payment may help the family cope with such a situation.  To qualify for critical illness, there is typically limited income restrictions, limited occupational analysis and an easy solution to a huge potential financial burden on the family. The hidden cost of major health crisis is something we don’t give much thought to.  Transportation, housing and time off of work all become big issues if care is being received away from where a person lives.  Health insurance policies don’t pay for the non-medical cost of care. “Cancer, heart attacks and strokes happen at all ages and most people are not prepared for either the emotional or financial cost,” explains Jesse Slome, Executive Director of the Industry Trade Organization.  “Nearly two-thirds of U.S. bankruptcies are the result of medical expenses and 78 percent of those filing for bankruptcy had health insurance when they were first diagnosed.” A lump sum payment may be the answer to help the affected spouse to concentrate on recovery.  Your Financial Brokerage marketer is here to help you place more of this business.  Give us a call today at 800-397-9999 to discuss the plans available.
Life Insurance

Group Life vs. Individual Coverage

Presented by Brian Leising I had a recent conversation with a producer who has an opportunity to help several employees at a business obtain individual life insurance.  Why individual coverage in a business?  The business recently changed ownership and the new owner decided not to offer group life insurance to the employees.  I used to warn employees of this very situation while selling life insurance as a voluntary workplace benefit.  I explained that although the group plan their employer offered was a great benefit, they were not in control.  The employer could drop the benefit at any time.  If they left that employer for another, they had no guarantee the next employer would offer the same benefit.  If you find yourself in a similar situation, ask your prospects:  “Do you really want to hand over control of your family’s financial future if you died unexpectedly to your employer?  You have the ability – and the duty – to take control of the situation and take care of your family yourself.  Your employer will never care for your family as much as you do.”  I understand some people cannot qualify for individual life insurance due to poor health.  Most can.  Make sure your clients and prospects are aware of this potential problem and make sure they have personally owned life insurance in place before their employer forces their hand.  They may not qualify in the future.