Annuities
Annuities
Annuities
Life Insurance
High Deductible Survival Plan – Part One
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. Some never enjoyed coverage previously and some chose these plans due to price. What if something happened to them, a heart attack or cancer diagnosis for example, would they have the funds to pay for their high deductible all at once? Where will they get the money? A recent study showed half of the people in our country have no life insurance at all, and half of the other half don’t have enough. You know people that need term life insurance, three of every four people you meet according to the statistics. We know many people need a source of funds to pay their health insurance deductibles, and they likely have a need for life insurance. What if their life insurance policy could do more than just one thing? What if their policy could provide a death benefit and a living benefit they could use to cover their deductible? In part two, I will explain how this works and how affordable these new policies really are.
Life Insurance
Six Questions for Six Life Insurance Sales to Seniors…
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 your clients that would uncover additional sales? When you meet with a person who is a grandparent, what photos do you see on their walls? The photos of their children are long gone and the walls are now adorned by their adorable grandchildren. Just try to ask a question about their grandchildren and see if you can get a word in edgewise for the next hour. They love to talk about their grandchildren and would do just about anything for them. Did you ever think to ask “Who handles your grandchildren’s life insurance and college funds?” Parents may not have thought about these topics and if they did, may not have the funds to pay for them. Chances are your senior clients have more disposable income than their children and are in a better position to help. They are at a stage of their lives where their primary concern is leaving a legacy. Two gifts their grandchildren will always remember will be their first life insurance policy and their college tuition paid for by Grandma and Grandpa.
Annuities
You’re More Than an “Insurance Agent”
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 what doctors, lawyers, architects and other professions do, but what do they really know about the value a professional insurance adviser can provide? What we do for the public can be more important and at certain times far more critical to people’s lives than many other professionals. The people you talk to don’t care about what your job is until they know how it will benefit them. Here are some great responses that I’ve compiled over the years: • I specialize in giving advice to seniors to provide a predictable lifetime income. • I work with families in planning ahead for an unforeseen, untimely death to make available dollars for ongoing expenses. • I focus on designing programs for the public to provide tax-free income for retirement. • I create ways for seniors to grow their money in a way that helps avoid probate delay and expense. It is crucial to know what you want to say before someone asks what you do. At a wedding reception, dinner party or other social event, when you discuss your business, a prepared, motivating description of your value proposition is a must. It’s all about describing how you work and how it benefits the people you work with.
Life Insurance