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It’s Still OK to HOPE

“It makes no sense at all to talk about retirement savings or lifetime replacement income without talking about health care expenses.” – Robert L. Reynolds, President and CEO, Putnam Investments

We’ve been talking with you about different kinds of insurance for over 15 years now. We’ve made the case as to why you should be selling annuities. We’ve shown you the statistics on why life insurance is such a great deal. We’ve helped you create your market niche for disability, LTC, and now Medicare Supplement products.

Throughout it all, we’ve prided ourselves on leading the industry in cutting edge solutions – and we’ve delivered again.

I want to share something with you that we are extremely proud of and excited about – a new sales tool available exclusively through Zenith Marketing Group, called the Healthcare Out-of-Pocket Expense Analysis.

We call it HOPE.

In the past, healthcare related expenses had not been a primary focus of our sales model…but that doesn’t mean we had turned a blind eye to them either.  As the quote at the beginning of this post highlights, healthcare is inextricably linked to retirement, income, and life insurance sales – our bread and butter!

HOPE is a new system that, with just a few client input questions, analyzes historical healthcare data, current Medicare Supplement Policy premium data, and best of all, state-specific income information to outline future expected out-of-pocket healthcare costs. It even has the ability to include possible LTC expenses.

So maybe you’re thinking, “Sounds complicated…” or, “Great, here’s another tool that I’ll never use.” Let’s take a second and REALLY think about this one though – most Americans have NO IDEA what they pay for their healthcare costs during their working years (Do you?). We pay our insurance premiums, our co-pays, etc. without thinking twice about our annual total. And guess what? This isn’t going to get cheaper for anyone as time passes.

The real value of this program is to help open your clients’ eyes to this tremendous, overlooked cost that we all are going to be facing.  And to introduce new ways to fund these expenses using fixed annuities and/or permanent life insurance.  And remember, Zenith Marketing Group is the only brokerage general agency that can offer this to you.

But don’t just take my word for it –

http://www.nytimes.com/2012/10/06/your-money/planning-for-retirement-dont-forget-health-care-costs.html

http://www.huffingtonpost.com/2012/04/20/health-care-costs-rise_n_1440584.html

http://money.cnn.com/2012/07/12/news/economy/health-care-costs/index.htm

Sales pitches aside – unless you’ve been living under a rock, you know this is going to be huge. So I’ve included a sample of our new HOPE Analysis here for you – take a look at it – it might open your eyes. It sure opened mine.

About Mike Gorlick

President & CEO, Zenith Marketing Group, Inc.

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