The "Why" and
the "What" of Indexed U.L.
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Underwriting Spotlight
Atrial Fibrillation
Atrial Fibrillation is an irregular heart beat. It may be paroxysmal (come and go) or chronic (permanent). An electrical stimulation is used to conver the heart rhythm to normal and meds can usually control it going forward.
Underwriting credits can be given for 5 years of stable control and a negative stress imaging test within the past year. In these situations, a Standard offer may be available if there is no underlying heart disease. |
Afterwords
We must change in order to survive.
- Pearl Bailey
When you're through changing, you're through.
- Bruce Barton
Change is a challenge and an opportunity, not a threat.
- Prince Phillip of England
The first step towards change is acceptance... change is not something you do, it's something you allow.
- Anatole France
Everything flows, nothing stays still.
- Heraclitus
And, if not now, when?
- Talmud
Even if you're on the right track, you'll get run over if you just sit there.
- Will Rogers |
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Greetings!
Prospecting is the life blood of our industry. Our monthly Sales Tip below offers a sure-fire way of getting in front of qualified prospects. |
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Life Plans
URGENT! Time is running out for high net worth individuals to take advantage of a significant estate planning opportunity scheduled to sunset at the end of 2012. 
Today, the unified estate, gift and generation skipping tax exemption equivalent is $5.12 million per individual. If Congress doesn't act, that amount will revert to $1 million per individual next year and beyond.
Click here to register for a Genworth's 2012 Estate Planning Opportunities Using Life Insurance webinar - Tuesday, August 14th, 11 am to Noon EDT or 4 pm to 5 pm EDT.
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Annuities
Seventy-one percent of pre-retirees say that guaranteed income is important during retirement. One in four retirees say the one thing they most worry about is running out of money. One in three retirees wish they were better prepared financially. Annuities can solve all of these issues.
A recent LIMRA study entitled, "Why People Buy Annuities" shows that 8 out of 10 buyers bought their annuities as part of a financial plan. It could be a written plan or one they carry around in their head. One in four had an informal plan. The bottom line: When clients develop financial plans, they are apt to buy annuties. If you help them develop the plan, the they'll buy from you.
- The Sales Tools tab on our website includes Retirement Income calculators, Retirement Shortfall calculators, Needs calculators, Savings calculators, Life expectancy calculators, needs analysis forms, fact finding forms, and many other support tools!
- Request a copy of the complete LIMRA research article
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Disability Income
A study by the Social Security Administration listed the Top 5 reasons consumers gave for not buying D.I. coverage:
- "I can always buy it later." Fact - people don't usually get healthier as they get older, and the coverage will cost more.
- "My family and friends will help me and I will use savings if I can't earn an income." Fact - Are your family members in a position to support you? Would you want them to? Even if you save 10% of your salary, one year of disabililty could wipe it out.
- "I have D.I. coverage through my employer." Fact - Group LTD covers 60% of gross income and the benefits are taxable. Can you afford a 40% pay cut?
- "It costs too much." Fact - The average cost is 1% - 3% of what you earn.
- "It won't happen to me. I'll stay healthy." Fact - Almost 3 in 10 workers entering the workforce will become disabled.
Contact Steve Crowe at ext. 222, Ellen Crowe at ext. 223 or Brian Hettmansberger at ext. 230 for quotes, tools and sales strategies. Also try our online quote request tool. |
 Sales Tip
You don't want to just get in front of more prospects - you want to get in front of more qualified prospects, ie: people that believe in life  insurance.
Two-thirds of the life insurance buying public state they never hear from the selling agent after they buy a policy. These people need policy reviews.
The question is an easy one - "Mr./Mrs. Client. Has your life insurance agent reviewed your policies during the past few years?" Most will answer "no".
Click here to view a presentation of why and how to conduct a policy review. It includes links for marketing support materials, profiles of what to look for, tips, ideas and answers to common questions. |
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Thank you for your time and your business! |
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P O Box 26580
Indianapolis, IN 46226
800.543.7167 ext. 225  317.803-3370 fax
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