Life Insurance

An alternative to CD’s being used for wealth transfer

Presented by Gary Peterson An alternative to CD’s being used for wealth transfer: Would you like a simple way to transfer assets for your clients? If they die with unused funds, their heirs will be forced to pay ordinary income tax on the gains. You can easily help them avoid this unnecessary tax by repositioning their funds in a wealth transfer life insurance policy. National Western’s Lifetime Returns Select makes wealth transfer easy:
No Medicals
12 minute interview
12 Knockout Questions
Accept/Decline at point of sale
Please Click on the links below to review the product and give me a call to discuss. LTR Select Highlight Sheet Lifetime Returns Select Consumer Brochure ESP Knockout Questions
Life Insurance

Use Life Insurance to Maximize Your Client’s Retirement Income

Authored by Brian Leising With increasing life spans, reductions in 401(k) plans, and unplanned serious illnesses you can reduce seniors’ fears by offering these solutions:
  • Select the maximum life annuity pension option.
  • Take a lump sum surrender payment from life insurance cash value.
  • Elect periodic withdrawals from life insurance policy cash value.
  • Exercise the accelerated death benefit option when terminal illness occurs.
  • Combine the need for life and long term care with a linked benefit policy.
  • Contribute additional funds to an indexed life policy for growth.
Life Insurance

Quik Ticket Makes Life Easy

Authored by Gary Peterson Let’s make it easy for life sales in 2013. Use our Quick Ticket applications on our website. No paper, no signatures and the carriers will complete the interview and order the medicals for you. We now have five carriers that make your job simpler. Give me a call and we can discuss this easy solution to your busy schedule. Gary Peterson CLU, ChFC 800-397-9999 x 3368
Life Insurance

Put People before Product

Authored by Justin Reeves There is an old phrase, “People don’t care how much you know until they know how much you care.”   It rings true in so much of our personal lives and it absolutely translates to our selling as well. Here are four great reminders for all of us to live by as we approach our prospects and clients: 1)  Treat everyone you meet as you would your mother or close family member. 2)  Work at connecting with your prospect before you try to make the close. 3)  Seek to make a friend. 4)   Maintain focus on the client – not the sale or yourself. Take the time to make them feel like they are the most important person in the world.  Spend time getting to know them and make notes about what they like and the people that are important to them.  Review these notes right before you have your next meeting and ask follow-up questions about them.  These principles will serve you well in business and life.
Life Insurance

How do I choose? They all look the same!

Authored by Brian Leising Term insurance is a highly competitive market, with most top carriers offering coverage at similar prices.  When you see a comparison with several carriers just pennies apart, how do you choose the best one?  When prices are virtually the same, here are some other factors to consider based on the preferences of your client:
  • Extra benefits.  Do the carriers offer extra, built-in benefits?  Benefits may include disaster relief, chronic and critical illness accelerated benefits, medical second opinions.
  • Price breaks.  Would the client save money by rounding up 250K, 500K or 1 MIL?
  • Online application.  Would the client like to avoid paperwork?  Choose a carrier that offers an online application.
  • Underwriting.  Which carrier makes it easier?  What chance does you client really have to receive the quoted rate class?  How quickly do they issue policies?
  • Conversion products.  What permanent products does the carrier currently offer?  Is every product available for conversion?  Do they include no-lapse guarantees?
  • Company name.  Does the client prefer a name-brand company?
  • Financial ratings.  Does it matter to the client if the carrier has an A++, A+ or A rating?
  • Commissions.  Assuming the same cost to the consumer, which carrier will pay you more?  How much is the policy fee?  Is it commissionable?