Sales Ideas Blog

Sales & Marketing Ideas
  • Underwriting with Andrea #5 (8/23/2018)

    Declines got you down?
    Underwriting is both an Art and a Science. Here at Financial Brokerage we know that the clients you protect have their own unique histories that often present Underwriting challenges. With so many options available, knowing where to start can be daunting. Let us help you choose the right carrier the first time. Stop Declines before they happen and contact me the next time you’ve “got a guy” that you’re not quite sure where to start with. You might just be surprised at what I’ll find…
    Today’s Challenge
    Male, 20 years old, non-smoker. This applicant was in need of Life Insurance for business purposes but was declined due to a diagnosis of Grand Mal /Tonic Clonic Seizures 10 years ago. For the first 4 years, while in his early teens, he had a variety of seizures, 0-2 per day. In 2011 the client stopped having daily seizures with no explanation and in 2013 he had his last seizure when he started taking Topiramate. The APS has this noted as Generalized Epilepsy. The client sees his Doctor annually and all has been favorable since 2013.

    The Resolution
    The majority of our carriers were in the table 2-4 range; some went as high as table 6 due to the client’s young age. However, one carrier among the many I reached out to, came in at Standard, and that was without using any type of table shave program! Of course, all of these offers were subject to an APS and full review of Neurology records, but it just goes to show what a difference shopping these cases can make!
  • Rethink Guarantees – What Your Clients Are Missing (7/5/2018)

    Rethink Guarantees
    What Your Clients Are Missing



  • Taxes Are On Sale! Three Ways to Take Advantage (6/27/2018)

    Taxes Are On Sale! Three Ways to Take Advantage

  • Interested in adding more value to your term life insurance sales? (6/14/2018)

     
     
    Interested in adding more value to your term life insurance sales?
     
     

    Price is not always the most important feature for your clients. Learn who offers living benefits, premium discounts, streamlined underwriting and the best conversion options. You’ll never have to rely on price again!

     

  • Why everyone you meet is worth $1,000! (5/8/2018) Contact your Life Sales Manager for your next case.   Brian Leising CLU, ChFC, CASLLife Sales Manager     Direct 402-334-6301bleising@fb-inc.com     Gary PetersonCLU, ChFCLife Sales Manager     Direct 402-334-6324gpeterson@fb-inc.com     Allen FrisbieLUTCFLife Sales Manager     Direct 402-334-6316afrisbie@fb-inc.com
  • Agent Referral Program (4/26/2018) Are you familiar with the Agent Referral Program at Financial Brokerage? Here is how it works: refer an agent to us and you get a bonus on all lines of their production for 10 years! Submit the referral on our website, and we do the rest for you! Contact your marketing team with questions. Thank […]
  • Looking for Performance and Reliability? (4/17/2018) Looking for Performance and Reliability?   Both qualities matter when searching for the best IUL. That’s why our IUL portfolio includes the best performing IUL’s with the most stable companies in the country. The numbers prove it!     Your clients want tax free income with no market risk!  
  • Income without fees? (4/12/2018) Income without fees?
  • You don’t have to settle for less than the best (4/4/2018) Financial Brokerage has partnered with ITC to provide you with top website technology Insurance Website Builder so your firm can have a great insurance website. What This Partnership Means for You: Your choice from the Silver, Gold, Platinum and Emerald website plans $150 off setup A professionally designed website that is secure, PCI and HIPAA […]
  • Take the worry of paying for medical care out of retirement! (4/4/2018) Take the worry of paying for medical care out of retirement!
  • Mind the Gap (3/28/2018) How do you address the great retirement income gap your clients will face in their late retirement years? Do you realize their income gap is YOUR income gap? Many advisors find their clients prefer the life insurance based solutions. Their Income Gap is Your income Gap Video » Using Earned IncomePDF » The Great Income […]
  • Ensight Webinar (3/15/2018)       Put Some Life into Your Life Insurance PresentationsThe first proposal visualization platform, providing an intuitive, interactive customer experience. Put Some Life into Your Life Insurance Presentations. Increase Customer Understanding & Sales Conversion. How Do I Start?Want to take a look? Here’s a virtual tour of the presentation system. These presentations are available […]
  • Ensight Proposal Visualization Software (2/5/2018) This content is restricted to site members. If you are an existing user, please log in. New users may register below. Forgot Your Password? Existing Users Log InUsernamePassword Remember Me  Forgot password? Click here to resetNew User? Click here to register
  • Vlog Episode 21 – Key Person vs. Buy-Sell (3/16/2017) VLOG Episode 21 – Key Person vs. Buy-Sell
  • Tax Fact Sheet for 2016 (1/5/2016) View the important 2016 tax info HERE.
  • Upcoming Mortality Table Changes Will Lower Annuity Payouts – by David Corwin, Annuity Sales Manager (10/1/2015)
  • Annuity Sales Talk – Athene Annuity (7/27/2015)
  • New Regulation Inhibits Use of Annuities in Retirement (7/24/2015) By Rich Mangiameli The federal government should be applying a scalpel rather than a sledgehammer! It is very important for todays’ advisor to understand that the administration has recently instructed the Department of Labor to establish a fiduciary standard for financial & insurance professionals advising clients about their retirement accounts, including their options for rolling […]
  • Silver, Gold or Platinum – where will you be? (1/29/2015) Presented by David Corwin   When it comes to perks, you want a program that gives you that little extra that you deserve and rewards you for your efforts and gives you money to put back into your business.  Financial Brokerage has pulled out all the stops as we’ve just announced the Elite Producer Group […]
  • What Social Security Seminars can do for YOU – Part 2 (12/31/2014) Presented by Brian Leising Let’s put our two problems (you need more clients, pre-retirees need professional help) together and come up with a plan to help both parties. How many of your clients nearing retirement know their optimal social security filing option? What if you could help them make sense of governmental red tape and […]
  • Annuity Risks Clients Should Consider (12/22/2014) Presented by David Corwin I read an email recently and thought it would be great to share some of the talking points and also share some videos supporting the ideas mentioned. It spoke about the different risks that are out there that clients should consider when purchasing an annuity. The first one is Interest rate […]
  • What Social Security Seminars can do for YOU – Part 1 (12/17/2014) Presented by Brian Leising Some things are better together, like peanut butter and jelly, nuts and bolts, I’m sure you’ve seen the commercials. I want to talk about two types of people that go better together: baby boomers nearing retirement age and insurance producers looking for new clients. Do any of these problems apply to […]
  • 2015 is Almost Here (12/15/2014) Presented by Gary Peterson To help jump start your business see below. Life insurance left untouched may no longer be meeting your clients’ needs. By implementing a periodic policy review as part of your client retention process, you will keep a client’s protection program up-to-date and provide a valuable after-the-sale service. The net result will […]
  • High Deductible Survival Plan – Part Three (12/9/2014) Presented by Brian Leising In parts one and two, I explained how a basic term life policy with a critical illness provision could help your clients pay their health insurance deductibles in the event of a major illness. In this part, I will introduce methods and tools you can use to market this new term […]
  • HYBRID (12/8/2014) Presented by Richard Mangiameli If you look up the definition of “hybrid”, one of the results is “anything derived from heterogeneous sources, or composed of elements of different or incongruous kinds”. We can find Hybrid Power, Hybrid Literature, Hybrid Games and of course Hybrid Vehicles. In the insurance industry, we have hybrid insurance products where […]
  • Final Expense vs Whole Life (12/4/2014) Presented by Gary Peterson Here is an idea I received from two of our whole life/final expense carriers: These two carriers offer no-exam whole life plans that extend down into the final expense range ($10,000 to $25,000). What’s the difference? The final expense underwriting is faster but costs more. The client should be able to […]
  • Transactional Selling vs. Solution-Based Selling (12/3/2014) Presented by David Corwin My money (pardon the pun), is on solution-based selling; the difference being that transactional-based selling is too much related to the product itself. In other words, it means suggesting or pushing a particular product to your client before even learning that it might not benefit them. Imagine going to a car […]
  • It’s time to break the ice on the topic of extended care planning with your clients (12/2/2014) Presented by Donna Ries Even a short time spent talking today with your clients can help them avoid years of dealing with the consequences of hasty, sporadic decisions later on. We all age and most people end up needing help in some shape or form. Discussing possible scenarios with your clients won’t make them happen. […]
  • High Deductible Survival Plan – Part Two (12/1/2014) Presented by Brian Leising In part one, I discussed the needs many people have for both money to pay high health insurance deductibles and life insurance coverage. What if a life insurance policy could provide a traditional death benefit and a living benefit that clients could use to cover their deductible? Such policies do exist. […]
  • The Rule of 72 (11/25/2014) Presented by Richard Mangiameli The Rule of 72 is a shortcut to determine how long it takes for capital to double, and double again. For example, if you invest $100,000 and earn 7% per annum, you can divide 72 by 7 and learn that your money doubles – $200,000 in about 10 years. If you […]
  • My Money Is Going Where? (11/24/2014) Presented by Gary Peterson Do your clients have a plan for their IRA when they pass away? Do they know the government will be a beneficiary? Exactly how much money will pass to loved ones? What if they could: – Keep their IRA in their care, custody and control; – Potentially double or triple the […]
  • The Important Decision at Retirement (11/20/2014) Presented by David Corwin Did you know that, at retirement, you might have to make a difficult decision that could negatively impact your future financial security and that of your spouse? At retirement, you will have to decide how your pension benefit will be paid out for the rest of your life: Should you elect […]
  • ROP Rider for a Younger Client (11/19/2014) Presented by Donna Ries Here’s an idea to consider for a younger client: Protecting an income should be a client’s top priority. One option that may be advantageous for a younger client is the return of premium rider on a disability insurance policy. For example, a 27 year old female administrative office worker making $30,000 […]
  • High Deductible Survival Plan – Part One (11/18/2014) Presented by Brian Leising Do you have clients with high deductible health insurance policies? Do you know people that need term life insurance? What do these questions even have in common? Follow along and I will explain. With the recent changes in the health insurance market, more people than ever now have high deductible plans. […]
  • Part of the Plan (11/17/2014) Presented by Richard Mangiameli When considering retirement income planning, life insurance and annuities should be part of the plan, because they may provide the most direct and efficient way to reach ones retirement goals.
  • College Planning Market (11/13/2014) Presented by Gary Peterson If you work in the college planning market, you are well aware of strategies to move assets or overfund permanent life insurance policies for tax-free cash. What’s better than rearranging existing dollars into better funding vehicles? How about FREE MONEY! One of our life insurance carriers actually offers college scholarships to […]
  • Health Care in Retirement (11/12/2014) Presented by David Corwin In 2012, men reaching age 65 had an average additional life expectancy of 17.8 years, while woman reaching age 65 could expect to live an additional 20.4 years on average. While estimates vary, a couple retiring at age 65 without private health insurance from a former employer can expect to pay […]
  • Are you living with half a health plan? (11/11/2014) Presented by Donna Ries Medical plans cover the costs of doctors and hospitals, but are your clients prepared to cover the financial costs when an unexpected, devastating event occurs and they are unable to work? Without an income, who will pay for the basic necessities such as mortgage payments, utilities, gas, groceries and other necessities? […]
  • Six Questions for Six Life Insurance Sales to Seniors – Part 6 (11/10/2014) Presented by Brian Leising Do you have senior clients? Did they purchase only one product from you? Was it a Medicare supplement, annuity, long term care or final expense policy? If you were able to uncover the need for one insurance product, could you uncover another? What if you had six simple questions to ask […]
  • Conversations with Aging Parents (11/6/2014) Presented by Richard Mangiameli Attached is a nice piece that was put together by F&G Life, on how to approach conversations with aging parents. This is a great thing to share, as I can see you using this as a business opportunity/value-add in a couple of different ways: 1) To use with existing clients who […]
  • Don’t Make Your Client’s Sell at a Loss (11/5/2014) Presented by Gary Peterson Managing the effects of financial market fluctuations is a critical element in retirement planning. If retirees receive plan distributions in a stable or rising market, they have the potential to preserve or grow their retirement assets. If these clients take distributions in a declining market, they are often drawing down and […]
  • You’re More Than an “Insurance Agent” (11/4/2014) Presented by David Corwin When someone asks you what you do for a living are you at a loss other than to say you are an insurance agent? People have their own preconceived notions of what an insurance agent is and often it isn’t as flattering as we might want it to be. People know […]
  • An Untapped Opportunity? (11/3/2014) Presented by Donna Ries According to the September 2013 U.S. Small Business Administration Office of Advocacy, with over 23 million small businesses in the United States, the market opportunity for business protection solutions is wide open. Small businesses need protection if an owner would become too sick or hurt to work. Overhead Expense insurance keeps […]
  • Six Questions for Six Life Insurance Sales to Seniors – Part 5 (10/30/2014) Presented by Brian Leising Do you have senior clients? Did they purchase only one product from you? Was it a Medicare supplement, annuity, long term care or final expense policy? If you were able to uncover the need for one insurance product, could you uncover another? What if you had six simple questions to ask […]
  • 10,000 Boomers to retire each day! (10/29/2014) Presented by Richard Mangiameli Over the next 19 years that’s 64,850,000 boomers trying to figure out how to take the most advantage of their financial investments. Here are some key points: Boomers are internet savvy and are searching for help. You need to have a presence on the internet using all the different types of […]
  • Have you arrived? (10/28/2014) Presented by David Corwin In my position with working with many agents it dawns on me that many if not all insurance professionals want to arrive. Arrive defined is “to reach a place at the end of a journey or a stage in a journey.” I define it as complacency or becoming comfortable. Too comfortable […]
  • Legacy Building (10/27/2014) Presented by Gary Peterson Legacy building is a strategy that utilizes the leverage of permanent life insurance as an efficient way to pass along assets to beneficiaries. Often, existing funds are transferred to a life insurance policy, which immediately increases the amount of the legacy in the form of the death benefit. North American has […]
  • What’s your disability IQ? (10/24/2014) Presented by Donna Ries When it comes to the chances of becoming disabled, how knowledgeable are you? Take a quick quiz to test your disability IQ from the Council of Disability Awareness. Some of the answers may surprise you. Click here for quiz No matter what your disability IQ may be, it is often a […]
  • Are you “in the business” or do you just have an insurance license? (10/23/2014) Presented by David Corwin Here are some indicators to tell you where you are. • Do you have a business plan? Crafting a meaningful business plan takes a lot of thought and time. Set out a strategy for your business and in particular, your marketing strategy. Set targets and objectives, including sales and financial goals […]
  • Six Questions for Six Life Insurance Sales to Seniors – Part 4 (10/22/2014) Presented by Brian Leising Do you have senior clients? Did they purchase only one product from you? Was it a Medicare supplement, annuity, long term care or final expense policy? If you were able to uncover the need for one insurance product, could you uncover another? What if you had six simple questions to ask […]
  • Periodic Policy Reviews (10/14/2014) Presented by Gary Peterson Life insurance left untouched may no longer be meeting your clients’ needs. By implementing a periodic policy review as part of your client retention process, you will keep a client’s protection program up-to-date and provide a valuable after-the-sale service. The net result will be happier clients, the identification of additional sales […]
  • Why we do what we do (10/3/2014) Presented David Corwin Anyone who has been in the life insurance business for any length of time will tell you that if there is a single reason why they would look for a new profession, it would most likely be the rejection they receive in an effort to sell life insurance. When we let our […]
  • Six Questions for Six Life Insurance Sales to Seniors – Part 3 (10/1/2014) Presented by Brian Leising Do you have senior clients? Did they purchase only one product from you? Was it a Medicare supplement, annuity, long term care or final expense policy? If you were able to uncover the need for one insurance product, could you uncover another? What if you had six simple questions to ask […]
  • Annuity Hybrid LTC Plans (9/24/2014) Presented by David Corwin The Need: Let’s say you have evaluated the possibility that you will need long-term care at some point in the future and concluded that purchasing long-term care insurance to cover at least a portion of long-term care costs might make sense in your situation. You are, however, concerned about paying premiums […]
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