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  • A nice app is withdrawn or declined.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.
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.
Annuities

Be the “Quarterback Advisor”

Authored by Justin Reeves Many agents love sports analogies when talking about business – I know I do.   Well, here is one that you might relate to. We have all heard to be all things to our clients.  Many have tried, only some have succeeded.  Still others may wonder what does this mean.  Have you ever been the “Quarterback Advisor”? In football, all offensive plays run through the quarterback (QB).  He doesn’t necessarily make all the plays; sometimes he hands off to the running back or throws it to the receiver.   All calls from the coaches run through the QB and he is a part of everything.  In most cases, the games are perceived to be won or lost due to the QB’s efforts. Let’s examine how this works in the insurance/advisor business.  You want your clients to think of you every time they have a financial or business need.  If they need law advice and don’t know where to turn – they call you.  If they need a CPA to assist on taxes – you hope they call you.  Business insurance, financial planning and the list goes on and on – do your part so that they think of you.  Being the “Quarterback Advisor” means you are a connection maker.  You know all the best people for the job for your client even if it isn’t you.  Always strive to be the one they think of first.  These are the types of qualities that go beyond just the sales part.  It will pay huge dividends.
Annuities

Working Smart in a Tough Market

Authored by Jim Guynan Although the latest reports indicate that our economy is turning around, business is still hard to get in and then get issued. Insurance companies are under pressure to make sure all annuity sales are compliant and suitable; agents are taking more CE courses and product training before an application can be taken to satisfy this. Agents have to work smarter and more efficiently. Here are some ideas that can help. Qualify your prospects and referrals as much as possible as not to waste time on people that don’t need your services or don’t need them now.
  • Use the phone more! It is very important to see people, yes, but again qualify the quality of the prospect; qualify the appointment and qualify the sale. Cell phones have made our life easier; let’s use them to make our business easier.
  • Ask for referrals any time you help someone with a product or service.
  • Remember there is a lot of competition. Make sure you are the product expert for those lines you sell and know who to refer business to if it is not a line you currently offer.
  • Service to your client today is more important than ever; communicate with them regularly and effectively.