Announcing Our 2020 Incentive Trips



A captivating fusion of the modernism of North America and the traditional charm of Europe, Montréal is a city with so many faces. With a French heart and a distinctly Canadian charm, Montréal is unlike anywhere else that you have ever been.

Montréal Only…
$45,000* Annualized Life Premium
$1,125,000* Annuity or Linked Benefit Premium
$67,500* Annualized LTC/DI Premium
Medicare Supplement and Critical Illness premiums count as well!
Qualification Period – January 1, 2019 – December 31, 2019.
Business submitted in 2019 and paid by March 31, 2020.
* See www.fbinc.wpengine.com/2020-incentive-trips for official rules and additional information.


With a historic city centre, tons of cultural events and nature at its doorstep, Québec City is the perfect destination for anyone who loves culture, history, food, and the great outdoors.

Old Québec immerses you in an unforgettable journey through time. Stroll through the historical districts, all within walking distance from each other. This eminently walkable historic neighQuébecbourhood offers up an incredible mix of wow-inducing winter scenes and Old World charm.

Québec Only…
$45,000* Annualized Life Premium
$1,125,000* Annuity or Linked Benefit Premium
$67,500* Annualized LTC/DI Premium
Medicare Supplement and Critical Illness premiums count as well!
Qualification Period – January 1, 2019 – December 31, 2019.
Business submitted in 2019 and paid by March 31, 2020.
* See www.fbinc.wpengine.com/2020-incentive-trips for official rules and additional information.
These two French Canadian cities are just a train ride away from each other. Go all out and use your success shares to experience both cities back to back!
$70,000* Annualized Life Premium
$1,750,000* Annuity or Linked Benefit Premium
$105,000* Annualized LTC/DI Premium
Medicare Supplement and Critical Illness premiums count as well!

Increase Your DI Sales in 4 SIMPLE Steps!

Presented by Michelle Daharsh Disability insurance is a new concept for most consumers but it also is a concept that you should be talking about to each and every one of your clients. Start with the basics and uncover if your client has any misconceptions about disability income protection. Educating clients from what it covers, how benefits can be used and that their coverage can be tailored. You can help assist your client in making the right decisions by showing them how to protect their income and everyday lifestyle. Do you know the right questions to ask your clients? Utilizing the Income Protection Calculator from Principal Financial Group (link is below) can do just that! This calculator will help you ask the right questions as you delve into the basic issues of disability. Then you will be able to provide your client with three income protection options. Don’t let misconceptions about disability income coverage stop the sale before it starts! The right tools can make a world of difference. https://www.principal.com/individuals/disability-insurance/determine-coverage/#/

DI Made Easier

Presented by Tim Dreher Are you like me when it comes to selling Income Protection?  I love to get out there and meet new people and give them peace of mind by helping them to protect their greatest asset – their ability to earn a paycheck.  But after the client says “yes”, I dread all of the paperwork that comes with the sale.  Is it just me or have applications become as big as phone books recently? Well, fear not fellow agents.  Thanks to several of our DI carriers, we now have a solution to those long, long applications with a streamlined application process called a tele-app.  The tele-app is a shortened version of the regular application with Section B (medical questions, prescriptions, and health history) of the application missing.  The agent completes only parts A and C of the application, which consists of basic demographic information and the signature page.  Once the application is submitted to the carrier, the client receives a simple and brief (normally 15-20 minutes) fact finding phone call by a highly trained and experienced telephone interviewer well versed in underwriting and medical terminology.  If something comes up in the client’s health history during the call that raises a red flag, the experienced interviewer is able to ask the right follow-up questions for clarification, helping to reduce the need for attending physician’s statements, medical records and paramedical exams.  This has been shown to cut the underwriting process by as much as thirty-three percent.  Quicker issue time means you get paid faster. Finally, another great benefit of the tele-app is to avoid having to ask your client about their personal and private health history, which in many situations, can be a little awkward and uncomfortable for both of you. In a nutshell, the tele-app simplifies the sales process for both the agent and the client, resulting in a quicker issue time.  Be sure to give the tele-app a try with your next client. You’ll be glad you did.

Principal Financial Group – IDI Illustration System Training

Principal Financial Group – IDI Illustration System Training Principal Financial is committed to providing the training you need to: * Learn tips and tricks for illustrating Individual Disability Insurance (IDI) solutions * Understand how recent enhancements impact quoting * Ask questions Join in when you can. The webinars are held monthly; typically on the fourth Wednesday from 2:00 to 3:00 p.m. CT. Mark your calendars  
 EVENT DETAILS
August 26 2:00 – 3:00p.m. (CT) Join the webinarMtg ID: 256 201 204 Password: illustration Add to Outlook Calendar September 23 2:00 – 3:00p.m. (CT) Join the webinarMtg ID: 258 660 702 Password: illustration Add to Outlook Calendar
 Dial: 1-888-804-6749 Conf: 2119366418
LEARN MORE about the key features of the new IDI illustration system and how you can put it to use in your business.