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- Don’t ask this qualifying question
Otherwise, you might turn off an otherwise interested prospect.
- The new 2013 taxes: The good, the bad and the ugly
How to prepare your clients for the pleasant (and not so pleasant) effects of the fiscal cliff deal and PPACA.
- Life insurers: Don’t forget the ladies
Life insurance ownership among women has not kept pace with the times.
- 10 life insurance tax facts you need to know
Your (and your clients’) top 10 tax questions, answered.
- Paper apps: Love ’em or leave ’em
Watch out, paper apps. Electronic applications are gaining.
- Do you practice excellence?
- Transparency is the new credibility
The National Ethics Association has launched a database with information on some 20,000 financial pros. Are you on it?
- How not to use a referral
Don’t do what this guy did.
- Mortgage Protection Plans: An Excellent Way to Keep Families in Their Homes
Today’s mortgage protection plans have evolved, becoming much more family-friendly, flexible and, most importantly, offering many additional valuable features and benefits.
- No Trust or Rapport = No Sale or Referrals
Have you ever had a sale that didn’t close and you weren’t sure why?
- Work Leads – Don’t Waste Them
Appointment setting is the bridge between prospective leads and finalizing sales.
- 9 Things to Do for More Referrals
If you can establish all, or most, of these strategies as solid habits, you’ll create an unlimited supply of high-quality referrals.
- Insuring Foreign Nationals: Changes in Underwriting Criteria Create New Planning Opportunities
Foreign nationals who want to accumulate and protect wealth, transfer assets to the next generation, and minimize transfer taxes must work with the proper advisors.
- Estate planning in a post-fiscal cliff world
- Six Recommendations for Working with Widows
Widows are a fast-growing segment of the U.S. population, with almost 12 million women currently widowed and another 800,000 joining their ranks each year. Working with a widow, especially in the early stages of her grief, requires a non-traditional approach to financial advising.
- A drive to be ethical
A car buying experience showed Todd Cousino the kind of advisor he didn’t want to be.
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- American General:
- Aviva:
- April 5th – Aviva’s Cash Accumulation Portfolio
- April 8th – Strategies for Small Business Continuation
- April 9th – Target Annuity Series
- April 11th – Annuity Illustration Center
- April 12th – Not All IULs Are Created Equal
- April 15th– Accelerated Access Rider
- April 18th– Indexed Universal Life Basics
- April 22nd– Wellness for Life Rider
- April 23rd– Target Annuity Series
- April 24th– Retirement Path Roadmap – An Introduction to the Software
- April 25th– Annuity Illustration Center
- April 26th– Spotlight on Success
- April 29th– Target Annuity Series
- April 30th – Annuity Illustration Center
- Minnesota Life:
- North American:
- April 9th– IUL Index Crediting
- April 11th– IUL Index Crediting
- April 16th– IUL Compelling Features
- April 18th– IUL Compelling Features
- April 23rd– IUL Illustration Tips
- April 25th– IUL Illustration Tips
- April 30th– IUL How To Sell
- May 2nd – IUL How To Sell
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- American General:
- Aviva:
- Genworth:
- Legal & General:
- North American:
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- American General:
- Genworth:
- GenGuard UL
This no lapse guarantee solution offers competitive premiums, flexible protection and secure death benefit guarantees. No premium limitations at this time, so keep GenGuard UL in mind for your single premium cases!
- Total Living Coverage
Solve two client needs with one product! Total Living Coverage provides a convenient way for clients to purchase both long term care and universal life insurance in a single policy.
- 360 Life View Underwriting
This clear, consistent underwriting methodology focuses on the most meaningful risk factors to give your clients more competitive offers.
- Life Quick Request (LQR)
Streamline the application process! Cases submitted through LQR have a quicker cycle time, up to 8% increase in placement rates, fewer APSs’ and minimal paperwork-which means faster paid commissions!
- Let’s Talk
These materials encourage clients to have conversations about the need for financial protection while the LifeJacket Study offers 7 key insights to help close the coverage gap.
- Life Insurance Basics
An introductory guide offering 5 training modules. It’s perfect as a refresher for experienced producers and invaluable to annuity, health or P & C brokers wanting to grow their practices.
- ING:
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- ING For Life – now easier!
ING Life standard compensation rates will apply on ING For Life policies with an application signed date of April 1st or after. To assure you receive the highest level of compensation, start using your standard ING Life Companies’ agent number on all ING For Life applications starting April 1st.
- Legal & General:
- Credits Count
Underwriters at Legal & General America use credits to try to improve your client’s rate class! You don’t need to ask, they just do.
- MetLife:
- A New Look On Life
Spring is the perfect time to give clients a “A New Look on Life” with cash value life insurance
- North American:
- SBLI:
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Financial Needs Tool
This tool is designed to uncover client needs, find money, and create awareness of the services your agents can provide. SBLI can customize it with your agency/agent’s logo and contact info, and it is electronically fillable! Please send an email with an EPS, TIF or PDF logo to gkreuz@sbli.com if you would like to take advantage of this opportunity.
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Insurance Planner
This basic insurance planner has a twist- it has SBLI’s multiple of earned income factors so your agents can easily see how much coverage their clients can have based on their age and income. SBLI will add your agency/agent’s logo and contact info, and is electronically fillable! Please send an email with an EPS, TIF or PDF logo to gkreuz@sbli.com if you would like to take advantage of this opportunity.
- Symetra:
- Transamerica:
- It’s Real Now
This new advertising campaign will appear on TV, on Transamerica.com, on social media and across various websites, including CBSsports.com and ESPN.com.
- United of Omaha:
- Did You Hear? Survivor is Back! (presentation)
GUL Survivor is once more part of your sales arsenal. With its Uninsurable/Table 6 combo, its unique product features and its ability to earn underwriting credits through our Fit program up to $4 million face amounts, it can be the perfect secret weapon when it comes to estate planning.
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GUL – re-priced and even more flexible
- A Guaranteed Advantage in the Marketplace
When a term life application is declined or your client can’t afford the premium, you can still save the sale.
- Summary of Guaranteed Universal Life products
Guaranteed Universal Life offers lower-cost life insurance, no-lapse protection and flexibility to adjust the premium payment and death benefit as needs change.
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- LTCI sales boosters: 5 tools
- Genworth:
- John Hancock:
- Needs-based marketing materials available in FL
The new prospecting and marketing materials address the needs of younger buyers and other key target markets, and are now available in Florida.
- Transamerica:
- United/Mutual of Omaha:
- Flex to Age 85 discontinued
The Flex to Age 85 premium option has been discontinued on the Assured Solutions or CashFirst Long Term Care products.
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- American National:
- Cash is King 2013 (January 1, 2013 – April 30, 2013)
Receive a CASH BONUS for the total of all Fixed Annuities written and paid.
$1,000,001+: $1,000
$750,001 – $1,000,000: $750
$500,001 – $750,000: $500
- John Hancock:
- Benefit Builder Bonus (January 1, 2013 – June 30, 2013)
By selling Custom Care III featuring Benefit Builder between January 1 and June 30, 2013, you can increase your earnings!
Bonus Level 1 – $5,000-$17,499: 10% bonus
Bonus Level 2 – $17,500-$34,999: 15% bonus
Bonus Level 3 – $35,000-$2,000,000 – 20% bonus
Details and program rules in the link above.
- North American:
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1% Commission Blitz Bonus Special (February 11, 2013 to April 15, 2013)
Receive a 1% commission bonus on all NAC RetireChoice applications received from February 11, 2013 to April 15, 2013.
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