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 |
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.