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Life Insurance Conversation Starters The Wall Street Journal articles linked below make it easy for you to start life insurance-focused conversations with your clients and prospects. As you read each article, jot down the names of clients who will be interested in the topic, then: Forward the article to appropriate clients and prospects Follow-up and […]
Reduce or Eliminate Estate Taxes The estate and gift-tax exemption is about to get cut in half, exposing exponentially more wealthy Americans to the death tax. Deploy our super simple Federal Estate Tax Estimator to quickly educate your clients about this increasing tax! Be the first Advisor who brings this urgent topic to your clients’ […]
Financial Advisors should consider two advantages they derive from obtaining a signed generic HIPAA with every life insurance application. First, a signed HIPAA is required by law, if you wish to discuss medical underwriting details with third parties. Given that a relatively high percentage of applications result in underwriting challenges, a HIPAA enables you to […]
Underwriting Strategies for Jumbo Life Cases Estate tax funding, business succession, and key person indemnification strategies are often financed with tax-efficient life insurance. Most of these cases benefit from, or require, coverage from several leading insurers. This article prepares Financial Advisors for their discussions with clients who want to purchase life insurance to cover their […]
Financial Advisors recommend clients protect their lifetime income with life & disability insurance. Great news: 40-year level term life insurance now enables young individuals to insure their entire anticipated lifetime income with an ultra-low cost term policy. Let’s take a look at a recent request. Meet Karen Karen, a healthy 25-year young woman, would like […]
Only ONE highly rated brand name insurer offers occasional cigarette smokers super-preferred non-tobacco life insurance premiums, cutting their premiums in about half. A recent example: Kaitlyn, F, 56, actress, smokes a few cigarettes per month, seeks $2M permanent life insurance as a legacy for her son: Tobacco premium = $46,910 Non-tobacco premium = $24,263 Annual […]
Only ONE highly rated brand name insurer offers a lab test that makes it easy for e-cigarette users (vapers) to qualify for non-tobacco rates, cutting premiums in about half. Let’s look at a recent request: Kayla, F, 26, attorney, vapes daily, needs $3M 20-year level term for income replacement purposes Tobacco premium = $3,024.70 Non-tobacco […]
5 Questions Answers to the 5 Questions below will enable us to match a life insurance applicant with the insurer, underwriter, and product that will result in the most favorable post-underwriting outcome. A little time invested prior to a formal application goes a long way toward having a happy client when you deliver the policy, […]
Preparing for a Life Insurance paraMedical Exam The following tips will skew exam outcomes in your favor, resulting in the lowest possible premium. Minor inconveniences leading up to the exam can lower premiums significantly. Consider scheduling the exam for a Thursday morning – before the consumption of food, coffee, tea, or soda. 2- 3 Days […]
$65M Life Insurance Without Ins co Exam or Labs for High Net Worth Clients A highly rated brand name life insurer now offers select high net-worth individuals and couples the opportunity to apply for up to $65M life insurance without insurance company exam or labs. Term insurance, permanent insurance, and survivorship life policies are eligible […]
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6444 E. Spring Street #287
Long Beach, CA 90815
