Author Archives: Financial Brokerage

Sales Idea – Fill Retirement Gaps with IUL

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Fill Retirement Gaps with IUL
Are you aware of all the potential gaps in your clients’ retirement plans? Index universal life can help fill those in three different ways:

1- Your clients can tap into index universal life insurance funds during a down market cycle so they don’t have to sell at a loss.
2- Index universal life insurance funds can be used to bridge the gap between retirement and claiming social security.
3- Index universal life insurance funds can be used to optimize a client’s tax bracket throughout retirement.

Life Insurance as Easy as 1-2-3

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Life Insurance as Easy as 1,2,3
Buying life insurance can be confusing for consumers. Determining how much life insurance is difficult enough, deciding which type of policy is even more confusing. Financial Brokerage has a life insurance allocation tool that helps simplify the conversation. Not only will this tool help determine how much life insurance your clients need, it will also determine the right mix and the right type of policies. That’s not even the best part! This tool will help your client’s determine what they want their life insurance to accomplish for them for their reasons…not ours. Simplify the conversation and putting their interests first will build trust to help you close more sales.

The Greatest Threat to Retirement Savings

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The Greatest Threat to Retirement Savings
What do you think is the greatest threat to your client’s retirement savings?

It’s not stock market declines. The stock market bounces back after a fall, the elderly do not. In fact, once a person reaches age 65, there is a 70% chance they will need long term care before they pass away. For a couple that translates into a 90% chance.

There are several ways to combat this threat: traditional long term care insurance, an annuity with a long term care provision or life insurance policy with a long term care rider. Which is right for your clients?

 

Help Relieve your Clients’ Policy Loan Burden

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Help Relieve your Clients’ Policy Loan Burden
Stop me if you’ve heard this one before…

During a client review you discover that your client has a life insurance policy that has accumulated cash value. However, you also see that loans have been taken from the policy to pay premiums or for funds for your client. Because the policy may not be performing as expected, the interest rate on the loan is a bit high and mortality costs have decreased…the policy is in danger of lapsing.

What do you do next?

Check out this quick video to learn more about the options available.

 

Sales Idea – Why Offer Worksite Life Insurance?

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Why Offer Worksite Life Insurance?
Why should employers offer Voluntary Payroll Deduction Life Insurance to their employees?

  • most U.S. households are under or uninsured and would not be able to pay for everyday living expenses without the primary breadwinner
  • guaranteed issue underwriting is available – no medical examinations or questions
  • coverage is portable for employees, they can take it with them when they leave
  • the employer or employee can pay the premium
  • spouse, children and grandchildren also eligible
  • one-on-one meetings with all eligible employees are mandatory

If you work with business owners or have commercial accounts, take a few minutes to view the video and learn more.