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Long Term Care
We're pleased to announce a strategic partnership with America's Premier Long Term Care Experts.
Have an LTC Prosepct?
1-888-620-4066 for quotes, case design, presentations or to sign up for LCTI workshops.
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I am thankful for laughter, except when milk comes out of my nose.
Woody Allen
At the height of laughter, the universe is flung into a kaleidoscope of new possibilities.
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Single Premium Life
Lincon National's critically acclaimed MoneyGuard is a great way to pass money to the next generation tax-free:
Transactional Sale Non-Med Underwriting
LTC benefits
Return of Premium
Leveraged Death Benefit
Call Jeff at ext. 225
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American Equity
Assurity Life
AXA Equitable
Genworth
Illinois Mutual
Integrity Life
Investors Life
Lincoln National
MetLife
Minnesota Life
Mutual of Omaha
North American
Protective Life
Principal
Prudential
Standard Insurance
Symetra
Transamerica
Union Central
United of Omaha
West Coast Life |
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| Greetings!
Referrals are the life blood of our business. See our Sales Tip below to see how you can beef up your referral successes. |
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Life Plans
Lincoln National has released their new DurationGuarantee UL product. It is designed for people that need less than lifetime guarantees. And, it is eligible for Lincoln's Table Reduction Program. Guidelines for Table Reduction are as follows:
- All permanent plans are eligible
- Ages up to 70, cases up to $10 million
- Medical impairments with a table rating of T-C or less will be reduced back to Standard rates
- T-C to Standard includes medical flat extra ratings of $5.00 per thousand or less.
Lincoln National is rated A+(Superior) by A.M.Best, AA- by S&P and has over $143 billion in assets.
Join Lincoln for their Pension Max webinar on Tuesday, Sept 21st at 12:30 pm EDT. Contact us for log-in details.
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Annuities
 Check out this new annuity product! - 4% first year rate
- 3% guarantee in years 2 - 6 with potential to be higher as rates increase in the future
- 4% commission through age 80, 2% commission ages 81 - 90
- Interest only withdrawals after 30 days
- A-(Excellent) carrier
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Disability Income
Principal has announced higher issue and participation limits for the executive and medical marketplace: - Physicians and Dentists - Principal will now participate up to $25K per month. Their issue limit remains at $15K.
- All other 5A/4A/3A occupations - Principal will not participate up to $30K per month and they will issue up to $20K per month.
And, join us for our webinar "Differentiate Yourself In The Business Marketplace", Thusday, Sept 23rd, 3 pm EDT. Register today. |
Sales Tip 
Referrals are the life-blood of our business. But, do referral objections stop you from asking? Many people don't ask for referrals because they don't feel confident in their ability to handle objections that come up. Here's a strategy that will help. Sit down with a colleague and one-by-one think through different referral objections for three things...how can you explore the objection with your client to gain further clarity, can you find flaws of logic in their objection and how might you reframe their thinking? Example, using one of the most common objections, "I don't feel comfortable giving referrals." - Acknowledge - "That's fine. I understand."
- Explore - "Can you tell me why? Have you had a bad experience?"
- Reframe gently - "Hypothetically, if we could identify one or two people you think should really know about the work I do, could we craft an approach that would make you feel comfortable?"
- If the reframe is rejected, back off with confidence and plant a referral seed - "That's fine. The last thing I want to do is make you feel uncomfortable. Just know that I'm never too busy to be a resource for anyone you care about. Fair enough?"
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Thank You for your time and your business! |
 Jeff Darnell
Source Brokerage Inc
P O Box 26580
Indianapolis, IN 46226
800.543.7167 ext. 225
800.856-3494 fax
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