If your office is like most insurance agencies, you are extremely busy. You sell life insurance if clients ask but you really don’t have time to pursue new sales. Maybe you don’t feel you possess the necessary expertise to do all these things. Does this sound like you?

By running your practice this way, you are missing out on revenue. Your book of business is exposed to other agencies who are engaging their clients in meaningful life insurance conversations. Fortunately, there is no reason YOU can’t run your agency the same way and realize those same profits from another product line.

How much money are you missing?

You can find out for yourself in just a few minutes. Watch the video then contact me at Financial Brokerage for the revenue calculator you can use today!

U.S. citizens and permanent residents enjoy an 11.4 million dollar estate tax exemption in 2019. For non-resident foreign nationals with real property or cash in the U.S. that exemption is only $60,000. Their heirs are going to inherit a huge tax bill when they pass away unless… You help them obtain a life insurance policy to pay the estate taxes!

Final Expense Alternative

What if you could offer clients seeking burial insurance more coverage for their money? Well, you can! Clients under age 70 have additional options for their final expense needs. Some companies offer Guaranteed Universal Life (GUL) with no exams for clients under age 70. The premiums are guaranteed to remain level and the coverage will last the client’s entire lifetime. Better yet, you clients may be able to realize a 23% savings compared to a traditional final expense whole life insurance policy.

Non-Med IUL on a Budget

The average index universal life (IUL) insurance premium is just over $9,000 per year. What about clients working with a smaller budget? Can an IUL still work for them?

This convenient chart shows retirement income amounts for several ages based on much lower monthly contributions to an IUL. Better yet, many of these amounts will not require your clients to complete a paramedical exam or labs.

Let us know if you would like copy of the pdf. This works with individuals as well as groups. In fact, the idea was meant to be used in an employer group setting.

IUL or 401(k)?
Which is right for your clients?

Many people fund 401(k) plans for retirement savings, but are they right for everybody? Would something else be better? In this video, I explore pros and cons of 401(k) plans when compared to an overfunded index universal life (IUL) insurance policy. For some people, the tax free income, no risk of loss and other benefits in an IUL outweigh the risk of loss and restrictions found in 401(k) plans.

Let me know if you would like a copy of the handy one-page chart that compares the differences. You can use this to explain why your clients may be better off using indexed universal life insurance instead of a traditional 401(k).