Sales Ideas

Sales Idea – Prospecting in a Pandemic

The 2020 pandemic and recession have caused financial hardship for many people and businesses throughout the world. However, these conditions have also produced new markets for life insurance sales. If you specialize in auto and homeowners insurance or group benefits, you already have the inside track to these buyers. Take a couple minutes to learn about the fastest growing life insurance sales markets in 2020.
Sales Ideas

Sales Idea – Why Use Cash Value Plans For…

Why Use Cash Value Plans For Key Person Policies?
Businesses purchase life insurance on key employees to guard against the costs of replacing that person and the business production they represent should they pass away unexpectedly. These businesses typically purchase term life insurance policies to keep expenses low. Unfortunately those low expenses up front might cost them opportunities in the future.

There are several reasons your business owner clients should consider permanent cash value life insurance instead.

Most agents and advisors NEVER mention these situations to their clients. You can be the first to bring these business enhancing ideas to your clients.
 
Want to see this plan in action? Take a listen to this quick video, then contact me to do the same for your clients.
 
Life

Alaska, Colorado, Oregon and Washington… What do they all…

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 Lifehealthpro.com, 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.   Click the link below for the article: http://www.lifehealthpro.com/2015/06/30/weed-users-avoid-smoker-penalties-at-29-of-us-life  
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.