Life Insurance
| What if you could reconnect with clients who did not think they could afford LTC? | |
| What if you had an affordable solution to present to younger clients still raising a family? | |
| We’ll solve those problems with OneAmerica’s strategy of stacking life insurance based LTC policies over time to: | |
| • | mitigate insurability risk |
| • | optimize cost efficiency |
| • | increase sales to clients aged 40-55 |
Life Insurance
| The COVID-19 global pandemic has changed life insurance underwriting. This is not necessarily a bad thing. The lack of available or willing paramedical examinations has actually made the underwriting process much easier for the majority of applicants. Conversely, the tightening of underwriting guidelines for another segment of the population has created new challenges. It has also created a tremendous sense of urgency for those clients. Both underwriting changes should make life insurance sales faster and easier for everyone involved. |
Sales Ideas
| Businesses purchase life insurance on key employees to guard against the costs of replacing that person and the business production they represent should they pass away unexpectedly. These businesses typically purchase term life insurance policies to keep expenses low. Unfortunately those low expenses up front might cost them opportunities in the future. There are several reasons your business owner clients should consider permanent cash value life insurance instead. Most agents and advisors NEVER mention these situations to their clients. You can be the first to bring these business enhancing ideas to your clients. |
| Want to see this plan in action? Take a listen to this quick video, then contact me to do the same for your clients. |
Sales Ideas
| WHAT IS IT? |
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| You probably know several retirement plans by their tax code number, the 401(k), 403(b), 412(i) and maybe even so-called 7702(t) plans. But what about the 35-35-35 plan? |
| Want to see this plan in action? Take a listen to this quick video, then contact me to do the same for your clients. |
Sales Ideas
| Did you know that if a 60 year old moves just $100,000 of assets to the right place today, it could save them $1,000,000 of medical expenses in retirement? | |
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| • | cover $1,000,000 of your client’s medical expenses for long term care in retirement |
| • | preserve $1,000,000 in assets under management |
