What the Most Successful Advisors Do

Presented by Life Marketing A presentation was recently held about “What the Most Successful Advisors Do.” It certainly covered a lot of ground, but here are a few of the great take-aways. The Successful Advisor perfects the presentation…the Unsuccessful One wings – it! The Successful Advisor makes scripts to always say the right phrasing in meetings, on the phone and other sales situations.  The Unsuccessful One stumbles and mumbles. The Unsuccessful Advisor will try all kinds of things…Seminars, Leads, Networking and Community Groups. The Successful Advisor sticks with something long enough to perfect it and see results. The bottom line is this – successful people make plans to be successful and others who do not plan are falling into the proverbial “planning to fail” category.

How am I going to pay my life insurance…

Authored by John Schraut Have you heard this objection lately?  This may be more common recently due to the economic environment. If your client has to choose to pay their life insurance premiums or cable bill, which one will they pick?  Most times the cable bill.  Then what happens, they lose the valuable coverage to protect their family and possible insurability.  You, as the agent, may get a charge back on the commissions paid. But what if there was an option that would help pay life insurance premiums in the event of unemployment? We have the answer from carriers that offer waiver of premium for unemployment.  Let your clients know about it and take this worry and objection away.

An alternative to CD’s being used for wealth transfer

Presented by Gary Peterson An alternative to CD’s being used for wealth transfer: Would you like a simple way to transfer assets for your clients? If they die with unused funds, their heirs will be forced to pay ordinary income tax on the gains. You can easily help them avoid this unnecessary tax by repositioning their funds in a wealth transfer life insurance policy. National Western’s Lifetime Returns Select makes wealth transfer easy:
No Medicals
12 minute interview
12 Knockout Questions
Accept/Decline at point of sale
Please Click on the links below to review the product and give me a call to discuss. LTR Select Highlight Sheet Lifetime Returns Select Consumer Brochure ESP Knockout Questions

Use Life Insurance to Maximize Your Client’s Retirement Income

Authored by Brian Leising With increasing life spans, reductions in 401(k) plans, and unplanned serious illnesses you can reduce seniors’ fears by offering these solutions:
  • Select the maximum life annuity pension option.
  • Take a lump sum surrender payment from life insurance cash value.
  • Elect periodic withdrawals from life insurance policy cash value.
  • Exercise the accelerated death benefit option when terminal illness occurs.
  • Combine the need for life and long term care with a linked benefit policy.
  • Contribute additional funds to an indexed life policy for growth.

Linked-Benefit Policies

Authored by Brian Leising You have probably heard of hybrid life/long term care policies that link benefits together in one policy.  Have you sold any?  For many producers, the thought of selling long term care is a bit daunting.  Linking the living benefits to a life policy makes it easier.  A top producer recently shared four reasons his clients purchase linked-benefit policies. 1.  The additional long term care benefit makes a sure sale even better.  So many carriers offer linked-benefits that often the best-priced life policy contains a long term care provision. 2.  Clients need both products but can only afford to purchase one policy.  Clients can realize significant cost-savings when purchasing one policy rather than two. 3.  The long term care benefit provides the extra sizzle needed to close the sale.  Some people balk at paying any new premiums, but the extra benefit makes the policy more attractive. 4.  The life insurance benefit helps overcome a common long term care objection.  Clients can be sure someone will benefit from their decision.  They will receive living benefits for long term care or their heirs will receive a death benefit.