$1,000 Bonus
We're paying a $1,000 bonus on survivorship cases written by Dec. 31st via any of our last-to-die products. To be eligible the target premium must be $10,000 or greater.
Call for quotes!
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Underwriting Spotlight
Elevated Liver Enzymes
There are four liver enzymes included in the blood profiles done for life insurance. They are the AST and the ALT (also referred to as the SGOT and SGPT), the GGT and the alkaline phosphatase.
While there can be more than one cause for abnormal liver enzymes, the most common cause is alcohol - a person is consuming more alcohol than their body can properly metabolize. If not addressed and resolved, permanent and irreversible damage can result, ie: cirrhosis.
Underwriting decisions for elevated liver enzymes are determined by (1) cause, and (2) the elevation counts, ie: how abnormally high the elevations are. |
Afterwords
There are two kinds of people; those who don't do what they want to do, so they write down in a diary about what they haven't done, and those who haven't the time to write about it because they're out doing it.
-- Richard Flournay
Action is the antidote to despair.
-- Joan Baez
Activity and sadness are incompatible.
-- Christian Bovee
Words are mere bubbles of water, but deeds are drops of gold.
-- Chinese Proverb
The moment that one definitely commits oneself, then Providence moves too.
-- Goethe |
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Greetings!
Is your life insurance practice stale? Would you like to make more money in 2013? See our Sales Tip below. |
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Life Plans
We have three important Life updates: First, by request we have added Protective Life back to our spreadsheet quote engine. Please note that their turn-around time service is horrible due to an inundation of applications. If you submit a case to them, be prepared for some frustrating delays. Second, all of our carriers except Lincoln National and Prudential will be revising their GUL/SUL plans at the end of the month - either taking products off the market or raising prices. If you plan to submit a GUL/SUL case with a carrier other than Lincoln or Pru, please refer to the appropriate transition rules for Genworth, North American, United of Omaha, Protective or Transamerica. Third, the current estate tax code is set to expire on Dec. 31st. If congress does not extend the current code:
- The exclusion will drop from $5.12 million to $1 million
- The top marginal rate will rise from 35% to 55%
Contact your clients that have estates worth more than $1 million and start the conversion regarding the need for updated planning. Remember, we're paying a $1,000 bonus for SUL cases with apps rec'd by Dec. 31st and a paid target premium of $10,000 or more. |
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Annuities
Are you tired of low caps on your indexed annuity sales? W  e have the solution with an A+(Superior) rated carrier: - S&P 500 annual point-to-point 6.45% cap
- And, a Euro STOXX annual point-to-point 7.75% cap
- The same product has a fixed account rate of 3.05%...higher than you'll find in a quality MYGA
The above assumes a deposit of $250K or higher. Amounts under $250K have slightly lower caps/rates. 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. |
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Disability Income
Get geared up to start the New Year with a new revenue source - sell Disability Income coverage to your clients. Get started with two easy steps:
- Simply provide a D.I. quote to every individual you deliver a life policy to,
- Based on a two year benefit period, 90 day elimination period with a $2,500 monthly benefit. We can provide you with the quotes!
It's a win-win for you and your client:
- Simplified underwriting, no medicals or financials - just an app!
- Low premium...for 30 - 50 year old males in a middle level occupation (3A), annual premiums will be under $850. For females, annual premiums will be under $1,000.
- The client has income protection in the event of injury or sickness, which is much more likely to happen than an untimely death during his/her working years.
- And, you grow a steady steam of income from your D.I. sales, which include renewals!
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 - Prospecting & Referrals
Do you need to freshen up your life practice? Do you want to make more money in 2013? Utilize the following concepts kits. Each contains videos, sales tips, sample illustrations and consumer approved marketing pieces that you can share with both your existing and potential clients: Add at least one to your practice - it will increase sales and revenue. |
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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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