3 Ways to Earn Gift Cards in February

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 calendar…even if we’re ready for Winter to be over here in Nebraska.

To celebrate the shortest month of the year, we’re giving away gift cards! We know you’re trying to get off to a fast start on your goal of qualifying for our 2020 incentive trips, so we want to give you some extra spending power on your pursuit.

1,000 Success Shares
$50 gift card
= $1,000* of Annualized Life Premium
$25,000* Annuity or Linked Benefit Premium
$1,500* Annualized LTC/DI Premium
2,500 Success Shares
$125 gift card
= $2,500* of Annualized Life Premium
$62,500* Annuity or Linked Benefit Premium
$3,750* Annualized LTC/DI Premium
5,000 Success Shares
$250 gift card
= $5,000* of Annualized Life Premium
$125,000* Annuity or Linked Benefit Premium
$7,700* Annualized LTC/DI Premium
*Business must be submitted in February and paid by April 30th.
*Tier 1 carrier premium shown.
*For complete Success Share guidelines and calculations click here.
 For agent use only. Not for public distribution.

For more information on our 2020 incentive trips to Montreal and Quebec City »

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.financial-brokerage.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.financial-brokerage.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.