The Income Stream Death Benefit

Presented by Brian Leising on,

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.

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No Medicals

Presented by Gary Peterson.

The one thing that agents and their clients never appreciate is underwriting delays. Some carriers have made our lives easier by offering non-medical products, hence, allowing for much shorter underwriting turnaround. The majority of these products are on a term platform. However, we have a carrier that will offer no medicals on term, universal life and whole life. The rates are competitive and sometimes match up well even with carriers that require full underwriting. This will help keep you and your clients happy with the overall turnaround times. Call your life marketer at 800-397-9999 for more details.

Alaska, Colorado, Oregon and Washington… What do they all have in common?

Presented by Jim Linn

Answer:  Legalization of recreational marijuana.  As a producer, you may have worked with clients and prospects that use marijuana, whether medicinal or recreational.  In a short article about marijuana usage on, you can explore how 29% of insurers can offer non-tobacco rates to marijuana users depending on frequency and whether medicinal or recreational.  Should you have a client that uses marijuana or tobacco products such as chew, pipes, e-cigs, cigars or the patch, contact your Financial Brokerage Life Sales Manager at 800-397-9999 for potential non-tobacco options.


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Why we do what we do

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 client sell us on the reasons why they don’t need coverage, we give in. That is the primary reason I feel that insurance agents fail, they give up way too easily. We must persist, we must be stronger! I am constantly reminded of how crucial it is to have the proper amount of insurance to protect one’s family.

It March of 1998 I was still considered a rookie. I was in an appointment that was a little difficult. I had dealings with this family in the past as they were current clients; with only an auto insurance policy. Really nice family; Rick, Debbie and there 14 year old son Rick Jr., they always liked to hear what I had to say. They were the kind of family that after your appointment is made you realize why we do this day after day. Throughout the interview and presentation of the information that I gathered, it became glaringly obvious that I needed to make a strong case as to why they both needed life insurance. Rick would always try to get me off the subject, but Debbie seemed to be genuinely interested. There were many objections I had to overcome to gain their confidence and trust. They couldn’t afford much, so I ended up writing a term insurance policy on both of them. Rick also had a small group policy which I included in the analysis that I ran so they only took out enough insurance to cover the mortgage. I wrote the policy on March 18th, 1998, and I remember thinking on the way home, I just touched another family in a way I hope they never realize.

Unfortunately, that realization came all too soon. Rick worked nights at a bakery and would get off of work around 4 a.m. On March 27th, just a week and a half after writing the policy, Rick was driving home from work around 4:30 a.m. and fell asleep at the wheel. He was killed when his pickup went off the road and collided with a light pole. Around 7:00 a.m., I received a frantic phone call from Debbie who didn’t know what to do. I couldn’t believe that less than 2 weeks earlier I had written a life insurance policy to prepare for just this kind of an event. I told her that I would call in the claim and we would talk later. After the insurance company did their investigating and found no wrong doing, I was able to deliver a check to her. Rick also had the group policy, which Debbie had no idea how to submit a claim on. After making a simple phone call to his human resource department, I found that he had an accidental death policy through work that enabled Debbie to receive a portion of his income.

I then assisted her with putting away part of the money and using a portion of it to pay down the mortgage to a payment amount she could handle on her income alone. She had never dealt with this kind of money before, so she was really counting on me to help. As with most people, she went a little overboard with some of the money. I can’t say that I could blame her for that, and if it helps with the grieving process, that’s all the better. With some of the money, Ricky Jr. was able to get a car on his 16th birthday. I must say that was a rough year for her family, not only with dealing with the death of her husband, but then Ricky had an accident that summer. He was driving on a country road, lost control of his new car and drove off the road. She called me at my office and I was shocked. Fortunately, he just suffered a bump on the head and a sprained ankle. I visited him in the hospital to help comfort the family and felt great to do so. I will never forget the look in her eye or the way she thanked me a million times. But what really made all the rejections bearable was to be able to see the positive effect that I had made on her family by countering the objections with sound advice. It was priceless and will never be forgotten.

I am sure that all of you have heard stories similar or maybe you have some of your own. It is paramount to our business that we strive to make our clients realize the importance of not just having life insurance but having the proper amount of insurance. But what’s more important is remembering why you chose this industry as your profession, recognizing the value you have to offer, and never let rejection get you down. Answer objections with facts, convey information confidently, and show your determination with persistence.

How much is your life worth?

Presented by Richard Mangiameli

How much is your life worth? Don’t sweat the small stuff – it is all small stuff! Allow me to help you with your next Annuity case. It is not my job to be served… it is my job to serve. It is also my job to know my customers. If I don’t know their eating habits, there is no point in holding a stick with a carrot in front of someone who only eats meat! Call Rich Mangiameli 402-334-6322.