Life Insurance
Life Insurance
Life Insurance
Life
The Income Stream Death Benefit
Presented by Brian Leising on ProducersWeb.com, I’d like to help you close more life insurance sales by showing how an income stream death benefit can help your clients save money and better understand how their coverage works. We will explore the problem, present a money-saving solution and work to simplify it all for our clients. Continue Reading
Life Insurance
Reduce Retirement Risk
Presented by Brian Leising “I’m too busy building wealth for my clients, why would I integrate permanent life insurance into my financial planning practice?”Sales expert Jeffrey Gitomer says “the fear of loss is greater than the desire to gain.” Think about it, how many calls do you get from concerned clients when the stock market is going up? How many do you get when it is crashing? In the retirement planning process, we usually focus on how much money our clients can accumulate in order to retire when they want with the lifestyle they want. Risk mitigation is handled through asset allocation and dollar-cost averaging. We want our clients to make enough money to be happy without losing more than they can stomach along the way.
What about the risks our clients face during their retirement years? What could erode a well-crafted retirement plan when the income is needed? The risk of stock market declines still exists but clients also face future taxes, the high costs of health care in retirement, social security considerations and the risk of simply outliving the plan YOU created.
Adding permanent life insurance into your clients’ portfolio can reduce their risk in each area.
Want to learn more? Ask about my Retirement Risk sales series. I can start sending you the 7-part series today!
[You don’t want to miss Retirement Risk #5, your clients’ most costly risk!]
Annuities
We are a better option for insurance and financial…
Presented by David Corwin As long as we remember that clients can now go online for insurance services, we will need to solidify long term relationships, get more qualified referrals, and keep our industry, that we all love, in good standing with the public at large. What do I mean by that? I have worked with literally hundreds, if not thousands of agents for over 18 years in the business, and there is always a constant; we all want to know for what the client is looking. I don’t mean that we should be experts in every facet of the insurance industry, since that’s a very tall task; however, insurance and financial professionals need to further their education so they are more knowledgeable when it comes to advanced cases. I know from personal experience that it takes a while to earn a CLU or ChFC, so in the meantime, you may want to learn a few key things to, dare I say, be dangerous. Let me give you a few items that could help: 50-80 year olds Due to the experiences they’ve had thus far, there is a good chance they have dealt with many challenges in their lives. Some keywords you want to use with this age group would be: probate, estate planning, taxes, lifetime income, wills, trusts, their children and grandchildren. 30-50 year olds With this age group you need to concentrate on these keywords: death, their children (especially guardianship options), tax-free income, estate planning, trusts, retirement planning and college funding. As I said, you don’t have to be an expert, but remember that more than likely, you may know way more (even with Google) than your client knows and they will be far better off than what they’d be on their own.
Life Insurance