Life Insurance
Solving Two Cornerstones of Retirement Planning
We’ve all heard that retirees are living longer. We’ve also heard that a retiree’s biggest fear is running out of money. Even if we weren’t living longer as a populace, the need for income in retirement would remain. To state the obvious, if you’re retired, no one is paying you anymore. Except maybe Uncle Sam […]
A Disability Guide for the Life Insurance Salesperson
Your clients need disability protection. They also need your help finding the right solutions to protect their incomes and businesses. Nearly everyone in the working population needs income protection so the market opportunity is wide open. As you get started building Disability Insurance (DI) into your business, consider: Your existing expertise and natural markets Industries […]
The Basics of Cash Value Life Insurance
All too often we discuss life insurance and concepts with the expectation that everyone we deal with has an advanced understanding of how these contracts work and how best to apply them to their various clients’ situations. That’s just not the case. The truth is that we work with a wide variety of insurance producers, ranging […]
Frustrated with the “typical” life insurance sales cycle?
Client apathy. Stale sales pitches. An oversaturated marketplace. Too many products to choose from. An insurance agent on every corner, not to mention online insurance sales sites. Cold leads. Any of these sound familiar? Unfortunately, I’d be willing to bet that they do. So how do you differentiate yourself (and earn a living) amidst all […]
Top 11 Ways to Reach New Clients and Build Your Life Insurance Sales
By now we all should know how important life insurance is – after all, it’s Life Insurance Awareness Month! According to a recent LIMRA study, only 63% of Americans have life insurance, but a whopping 97% say that life insurance is important to them. This means that almost 40% of consumers don’t have life insurance, […]
What Does AG49 Mean For You?
For over a month now, producers and carriers alike have been busy adjusting products and procedures to comply with Actuarial Guideline 49 (AG49), a new rule adopted by the NAIC in mid-June of this year. After literally years of deliberation and input, AG49 implements more “realistic” guidelines for the illustrated crediting rate assumptions used by […]
