Annuities

Beating a Sales Slump

Presented by Gary Peterson Even top producers run into a slump now and then. Does this sound familiar?
  • You hear “No” a lot more.
  • Cases that seemed a sure bet don’t happen.
  • A nice app is withdrawn or declined.
  • Your most recent referral stands you up.
  • Nothing seems to go right.
That’s when it’s easy to lose confidence. But, the best of the best have all experienced slumps and survived to let us know the secrets to getting back on track. I have attached a great article that describes the keys to breaking out of a slump – or preventing one from starting.
Annuities

Estate Planning is for Everyone

Presented by Brian Leising When we mention estate planning, we usually think of planning for the federal estate tax. With new laws effective in 2013 and an exemption of $10 million per couple, the market for this type of planning has shrunk considerably. Is this new estate planning reality still a viable market for an insurance producer? It is. We just need to look at estate planning a little differently. What are we really doing with estate planning? We are helping people eliminate, minimize or pay for taxes in the future while facilitating a quick transfer of their assets to their heirs. In the end, estate planning is not just about federal estate taxes. It is about transferring assets where we want them to go and when we want them to go there. Estate planning applies to all estates regardless of value.
Life Insurance

Lazy Money

Presented by Gary Peterson If you have clients with “lazy” money sitting in CDs or other low-yield savings vehicles, Total Living Coverage (TLC) can be a tremendous alternative. TLC can provide your clients with approximately twice their premium in life insurance and up to six times their premium in long term care protection. All with the option of a full return of premium if your clients change their mind after 2 years! Please review the attachment. Lazy Money
Life Insurance

Reflecting on Life Insurance

Presented by John Schraut Remember that a life insurance policy is more than just a collection of papers with words and figures on them; a life insurance policy is vastly more than the sum of its parts. A life insurance policy is that small bit of comfort in someone’s life — someone’s life that has just been turned head over heels by the loss of a loved one. It is helping that spouse remain in the family home and not having to take a second job to make ends meet. It is a chance for those children to attend college with without putting undue stress on the family to find a way to pay for it. It is PEACE OF MIND.
Life Insurance

Refinancing mortgage insurance – A new look at an…

Presented by Brian Leising Interest rates recently hit all-time lows and the U.S. is on pace for 5 million home sales this year. More and more people every day need to protect their homes in case of an untimely death. Did you know you can offer your clients more than just an old-fashioned mortgage term life policy? Give them more than just death benefit protection. Decrease premiums to save your clients money -Protective’s Custom Choice UL can be crafted to mimic the old decreasing term policies -Ladder term life policies to achieve huge discounts Living benefits can provide your clients with money -Disability riders pay the mortgage while unable to work -Critical illness riders pay the mortgage while recovering from severe illness -Long term care riders pay the mortgage during long recoveries Pay the mortgage early with policies that make your clients money -Return of premium term could pay a 30 year mortgage in 25 years -Index Universal Life could pay a 30 year mortgage in about 20 years Learn to sell to this growing market today. Ready to make the move?