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Don't miss the Non-Medical Wave
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Top 10 Reasons Lincoln Underwriting Makes the Difference
Price alone doesn't always make the sale. Competetive rates can only make a difference if they are back by effecient, customer-focused underwriting. Here are 10 important reasons why you should think Lincoln for Life - and for underwriting.
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"An Introduction to Reverse Mortgages for Professionals" while earning CE!
Wednesday
October 5, 2011
9:30 AM
(Location: Our office in Bedminster)
(Lite bites available after workshop)
Don't miss this opportunity to learn about an important financial option for your senior clients.
More details to follow | | |
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See the attached flyer that addresses the time frames that underwriting requirements are good for and what additional forms are required to update evidence.
Take a Look! | |
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What can Lincoln Life Reserve Index UL do for your clients?
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Reminder: Trendsetter Super Series Withdrawal
For details, click
HERE | |
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Sales Leaders Summit
2012
The 2012 Sales Leaders Summit meeting will be held at the luxorious St. Regis Monarch Beach Resort in south California in February 2012. | |
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DON'T FORGET....
"Like" us on Facebook
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"Join" us on LinkedIn for daily updates that affect your bottom line.
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Preliminary Inquiry
This is NOT an application for life insurance. Use this form as a preliminary evaluation to assist in determing insurability only.
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Join Our List
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Your Comments
Email your questions and comments to our Marketing Communications Mailbox
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A Message From
Chris Malmstrom
Lions & Tigers and Bears....Oh My! Storms, Natural Disasters! That's all we seem to hear about. We have certainly had our share; Tornadoes, Flooding, Hurricanes, Earthquakes, you name it. It seems fitting that the stock market has been so volatile to go along with the tumultuous natural environment we live in. Day to day, we just don't know what to expect in the markets and as a result , it is no surprise that most seniors are concerned not just for themselves, but for the financial future of their children and grandchildren. Instead of enjoying their retirement, a great deal of seniors today are supporting their children yet again. A common sentiment of this group is that they are ..."concerned that their children and grandchildren will not be able to enjoy the same standard of living that they have." With that in mind, it is more important today then ever before, to introduce a number of products and services to your clients that can help them leave legacies so that their families can enjoy a similar lifestyle for years to come. Through the use of a Life Insurance Legacy, Grandparents can: - Provide income assistance to their children/grandchildren
- Provide funds to help purchase a home
- Pay for a dream wedding
- Provide funds for a college education, etc., etc.
- Provide for a Special Needs child/grandchild
There are countless other uses for the life insurance benefits, but I'm sure that you can fill in the blanks for your clients and their individual needs. With September being Life Insurance Awareness Month, clients will be exposed to advertisements, television spots and other media throughout the month, so this is a perfect time to get in front of them to raise that awareness. For small annual premium deposits, you can leverage large legacies to their families via individual or survisorship life policies and help them give their families what is needed to protect those lifestyles they want to maintain. We have an abundance of materials on a number of topics to assist you in this area. Please reach out to us to learn more. Happy Selling! |
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Life Insurance Awareness Month in September designed to educate consumers
In the past two years, the country has witnessed financial turmoil and economic uncertainty. While security is what Americans need the most, the average person owns less life insurance than they believe they should. New LIMRA International research indicates that nearly 58 million households believe they need additional life insurance coverage.
Life insurance offers families the financial security they need at crucial times in their lives - when a loved one dies.
"No matter what the economy looks like tomorrow, life insurance is there when it's needed most. "Life insurance is a way to protect life's most important assets - the loved ones left behind."
According to LIMRA International's 2010 Life Insurance Ownership Study:
- Only 44 percent of U.S. households have individual life insurance. That's a 50-year low.
- 30 percent have no life insurance protection at all.
- Among households with children under 18, four in 10 say they would immediately have trouble meeting everyday living expenses if a primary wage-earner died today.
- Although they want professional help, almost eight in 10 American households currently don't have a personal life insurance representative to turn to for advice.
September marks the seventh annual Life Insurance Awareness Month, designed to raise awareness and educate consumers about the importance of life insurance coverage and the financial services representatives who are trained to help consumers meet their needs. Life insurance organizations and their representatives observe the occasion by providing information and activities regarding the role of life insurance in a sound financial plan.
"Life Insurance Awareness Month is a good time to remind people to re-evaluate their life insurance needs" | |
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As we promised, another
CE Class on Medicare!!! | |
Learn the ABC's of Medicare and how they work. Medicare covers many types of services, and people have options for how they can get their Medicare coverage. Understand the four parts of Medicare and how they relate to your clients. With 76M people turning 65 in the next 20 years, you need to become Medicare proficient in order to take full advantage of the sales opportunities that can develop for you, their ADVISOR. There are more people turning 65 than babies being born. This is an area that should not be overlooked.
Wednesday, September 21st
10 am to 1 pm
(Location: Our office in Bedminster)
Please call us now to reserve your seat as seating is limited!
(Lite bites available during class) | |
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The Opportunity to receive a 5 point increase in writing agent compensation on their robust portfolio of creative universal life insurance solutions has been extended through December 31, 2011.
Qualify for the additional 5 point increase in agent compensation with these great UL products:
- AG Secure Lifetime GUL
- ContinUL
- ContinUL Extend Plus
- Elite UL
- Elite Index
- Elite Survivor Index
- Elite Global Plus
- Elite Global Survivor
Call us for quotes and more information! | |
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See for yourself how Pru's Term Essential (July 2011)
Compares
See for yourself how PruLife Universal (UL) Protector (July 2011) Compares | |
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"Age of Evidence" Guidelines?
This flyer provides answers to questions you may have on the following topics:
- Time limitations on routine underwriting requirements
- When the Health Questionnaire (NB5002) and Short Form Declaration of Insurability (NB5026) should be used
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Introducing Freedom Index Universal Life II and
Freedom Global IUL II
(Available for Sale: Beginning August 1, 2011, depending on state availability)
Offer clients a life insurance product that has the safety of guarantees from a company with strong brand recognition and solid financial strength. Transamerica's two new Index Universal Life (IUL) policies offers flexible benefits and potentially great policy value accumulation without exposure to market declines.
Click here for the combined Product Guide.
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MetLife offers competitive conversion periods, with some policies up to age 70. No restrictions when converting to Guarantee Advantage UL, MetlLife Promise Whole Life, or Legacy Advantage SUL. When looking at the competition for Term Conversions - MetLife offers unmatched flexibility when it comes to product convertability. More Information | |
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Disclosure
Not all products approved in all states, please check state approvals. | |
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Associated Life Brokerage, Inc.
New Website
Click below:
www.associatedlifebrokerage.com | |
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Call today to speak with one of our Case Consultation Specialists for information on these and other sales opportunities and see why ALB is The Business Partner
You've Been Looking For.
Chris Malmstrom
Associated Life Brokerage, Inc.
135 Route 202/206, Suite #7
Bedminster, NJ 07921
info@associatedlifebrokerage.com
(908) 756-9920
Associated Life Brokerage, Inc., is a full service General Agency located in Bedminster, NJ handling your Life Insurance, Annuity, Long Term Care and Disability Income needs. We provide independent insurance agents with a comprehensive platform that includes, Expert Case Consultation, Premier Underwriting Services and a Fully Dedicated Case Management Team. With over 100 years of collective experience in advanced case design and underwriting, we are dedicated to giving you the tools you need to significantly increase your revenue. |
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