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Are Your Clients’ Policies In Danger of Breaking Down?

We’ve all been there – you’re driving down the road, and suddenly your car’s “Check Engine” light comes on. This is usually accompanied by a sinking feeling of dread in your stomach – something’s wrong! Is this going to cost me an arm and a leg to fix? Is this thing even safe to be driving?!?

As jarring as seeing that little orange light can be, if you stop and think about it, we’re actually pretty lucky to have it. That little “Check Engine” light allows us to safely get our vehicle to a repair shop and make sure that that minor problem doesn’t develop into a catastrophic one. And even if it’s nothing serious, that little light can serve as a reminder for us to bring our vehicle to get a check-up and make sure everything is running like it should. Wouldn’t it be great if other things in our life had these little lights? How about a “Check Career” light, or for those among us who are less-than-lucky in love, a “Check Relationship” light? How about your life insurance policy?  I bet a lot of your clients would be happy to have a “Check Policy” light.

Life insurance policies are just like any other large purchase in life; like your car, your house, etc. They all need periodic maintenance and upkeep to keep them performing the way they were originally intended to. There are many external factors that can heavily influence how your life insurance policy performs; among them, changes in interest rates, cost of insurance charges, and mortality costs. However, the real threat to a life insurance policy is simply that we don’t keep them up to date. For example, does your client’s life insurance policy take into account the fact that they recently got married, got a huge promotion and raise at work, or had a child? How about for those clients who have children that just moved out, or entered college? How about the more unfortunate circumstances that require policy changes, such as divorce? To remain relevant and continue offering the best protection possible, a client’s life insurance policy needs to grow and change with that specific client.

And this is where policy review programs come in. Despite being a prudent means of maintaining contact with your client database, regular policy reviews serve as a “Check Policy” light – they allow the producer to nip any potential problems in the bud and negate these problems before they become a serious threat to the policy itself. Policy reviews also allow the producer to make sure the policy is meeting the needs of the client, and if not, to upgrade the policy or to make sure new coverage can be secured. The end result? A better client relationship, and of course, more sales for you!

We know how hard it can be to conduct policy reviews sometimes; having to obtain policy values, needs analyses, or even how to bring up the topic with your client can be a real headache. So we decided to take the guesswork out of the equation. Zenith Marketing Group’s Comprehensive Policy Review (CPR) Program was designed specifically for producers like you. We provide you and your client with a streamlined output that shows their current coverage and viable options and alternatives that have been tailored to their specific situation. And with available materials such as a needs analysis, fact finders, brochures, talking points, scripts, and prospecting letters all in one place, we make the process as simple for you as can be.

And don’t forget, our dedicated Zenith Sales Team is always available to help out with any questions or issues you may have – we’re just a phone call or email away.  Take a look at some of the sample links below, and then give us a call at (800) 733-0054 to get started today.

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