Source Brokerage, Inc. - Updates
October 2012 
 
 
Quick Links
 

 Educational Webinars 

 

October 11th

Policy Review Strategies

 

October 17th

Understanding I.U.L.

 

October 25th

Business Planning Strategies using Life Insurance

 

Click here to register for any of the above.  You will then receive details and log-in information.

Underwriting Spotlight

 

 Depression & Anxiety

 

These disorders are common.  The mortality risk is due primarily to suicide, cardiovascular disease and substance abuse.

 

Underwriters will need to determine if the history is mild, moderate or severe.

 

Mild cases can be Standard or better.  Questions to be asked include how long ago diagnosed, what past and current treatments have been, if there has ever been any thoughts of suicide, when the last hospitalization occured, and if they are able to perform normal day-to-day activities, ie: work and home life.

Afterwords 

 

 

Stress is an ignorant state.  It believes that everything is an emergency.  Nothing is that important.  Just lie down.

-- Natalie Goldberg

 

No one can escape stress, but you can learn to live with it.  Practice postive thinking...seize control in small ways.

-- Adele Scheele

 

Nothing is more destined to create deep-seated anxieties in people than the false assumption that life should be free from anxieties.

-- Archbishop Fulton Sheen

Greetings!

 

Are you looking for a way to beef up introductions and referrals?  Check out our monthly Sales Tip below.

Life Plans

We're paying a $1,000 bonus on last-to-die survivorship cases writtenJeff  between now and then end of the year.  The target premium must be at least $10,000 in order to be eligible.  Call Jeff for details.

Transamerica has released a dynamite new LTC rider for their guaranteed UL plan.

United of Omaha has increased the FIT underwriting credit program from $1.5 million to $2 million for individual case and from $3 million to $4 million on survivorship cases.  The FIT questionnaire can potentially knock two table ratings off of many rated term or UL cases.

Request a quote online, call Julie at ext. 233 for term quotes, or Jeff at ext. 225 for UL quotes or impaired risk quotes.

Annuities 
 

Half of your clients have money in CDs.  It's a fact. binocs 
Ask them, "Why do you buy CDs?"  and the answer you'll get is that CDs are easy and safe.

So are fixed annuities.  Plus fixed annuities offer the following features that CDs do not:
  • A higher guaranteed interest rate...much higher!
  • Tax deferred compounded earnings
  • Premium bonus options
  • Liquidity options
  • Can pay to an heir without the hassles of probate
  • Exempt from creditors in most states
  • Guaranteed lifetime income 
Don't walk away and leave these commission dollars on the table for someone else to scoop up.  Call Jeff at ext. 225 or Julie at ext. 233 with questions.  Or, use our online quote request tool. Click here for today's best MYGA rates.  

Disability Income 

A stand-alone Critical Illness policy can protect your clients from aSteve  financial crisis.  Assurity Life's critical illness policy pays a lump sum - from $5K to $500K - for a first diagnosis of heart attack, stroke or cancer.  Their policy offers two options:

  • Simplified Issue - 12 covered types of critical illness for a lump sum payment up to $50K
  • Fully Underwritten - 12 covered types of critical illness for a lump sum payment up to $500K

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. 

SalesTipSales Tip - Referrals

Here are two ideas to help you beef up referrals:
  • Change the way you ask for referrals.  Try the following: "I was wondering if you'd be willing to open some doors for me?"  SuccessThis works well with business owners and clients who are well connected because they've likely had people "open doors" for them in the past.
  • Go to the office supply store or book store and buy a nice, quality "blank" book for the sole purpose of recording introductions and carry it with you always.  An Introductions Journal will serve as a prop to remind you to engage in the referral process.  It shows you - and your clients - that you are treating introductions with importance.  You will have more indepth discussions regarding the type and quality of the introduction.  All of your introductions are now in one place; none will fall through the cracks on your end.  And, you can monitor your results and develop numbers.  You'll then know how many referrals you need to create X number of new clients.  You can also order a dynamite Introductions Journal from the Referral Coach Store.
Thank you for your time and your business!
Jeff DarnellTwitter
Source Brokerage, Inc.
P O Box 26580
Indianapolis, IN 46226
800.543.7167 ext. 225LinkedIn
317.803-3370 fax