| 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 |
| “I won’t need life insurance when I retire.” Have you ever heard a client say that? In the next webinar in our Basic Training Series, we’ll take a look at four different follow-up questions you can use with your clients to help change their point of view and lead to a life insurance sale! |
| 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. |
| What if there was a way to increase your clients’ permanent life insurance coverage by 20%, without increasing their premiums? | |
| When a client needs permanent coverage, we typically illustrate a Guaranteed Universal Life (GUL) with no cash value. For the same premiums, a client could purchase: | |
| • | 20% more coverage with a Protection Focused IUL; |
| • | projected to last their entire lifetime; |
| • | with cash values they can access if needed; |
| • | and potential to increase the death benefit! |
