Video Sales Spotlight
Using life insurance to fund buy-sell agreements.
Using life insurance to fund key person coverage.
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Underwriting Spotlight
Peripheral Vascular
Disease (PVD)
PVD is caused by disease thickening the walls in the aorta and large arteries that supply blood to the arms and legs. Disease in the legs is much more common than the arms.
When blood flow is decreased by blockages, pain can result. This pain can be brought on by activity and can be relieved by rest. Poor blood supply can also lead to poor healing of minor injuries, ulcers, and gangrene.
The risk factors for PVD are similar to those for heart disease, with cigarette smoking being most prominent because nicotine causes arteries and veins to constrict.
The rating for PVD with no history of heart disease is at least T-C and can be higher dependent on all factors. |
Afterwords
Whenever something good happens, write it down. Buy a special notebook, and use it to list all the good in your life.
-- Peter McWilliams
The average pencil is seven inches long, with just a half-inch eraser...in case you thought optimism was dead.
-- Robert Brault
Pessimism never won any battle.
-- Dwight D. Eisenhower
Within you right now is the power to do things you never dreamed possible. This power becomes available to you just as soon as you can change your beliefs.
-- Maxwell Maltz
Stop the mindless wishing that things would be different. Rather than wasting time and emotional and spiritual energy in explaining why we don't have what we want, we can start to pursue other ways to get it.
-- Greg Anderson |
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Greetings!
Would you like to automatically increase your commission income without making any additional sales? See our Sales Tip below. |
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Life Plans
Reminder, Protective Life's turn-around time is very, very slow. If you submit an app to them, expect processing to take two-to-three times longer than normal.  Transamerica has released their new Survivor Life product with an ROP feature for up to 100% of premiums paid on the 15th, 20th or 25th anniversary, or any anniversary thereafter. Let us provide you with an illustration on your next last-to-die case. Most companies have released their new 2013, AG38 adjusted GUL and GSUL plans. Lincoln National did not have to adjust their pricing, which results in their having the lowest cost for lifetime guarantees. Call for quotes! Presidential Life has withdrawn all of their life products from the market, including their guaranteed issue plan. However, we do have other companies available for guaranteed and simplified issue whole life. |
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Annuities
Vince Lombardi used to start all of his training camps with, "Gentlemen, this is a football". As we start 2013, let's reflect on Lombardi's message, getting back to the basics and remembering the fundamentals that make you successful.
Annuities still offer a better plan towards savings, and reducing taxes on your savings until you choose to access them, than any other fixed savings alternative. And, indexed plans offer protection to income in the future. Consider the following plan:
- 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
Did you make a New Year resolution to expand into other product lines, including D.I.? It's easy! Simply provide a D.I. quote to every individual you deliver a life policy to based on a short, two year benefit period and a 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 healthy 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
Dramatically increase your commission income without any additional sales. How? By making your clients aware of product options with features they are not aware of - features that are very attractive. Consider the following:  Transamerica has two term plans. Trendsetter Super is their normal level term product. But, they also offer Trendsetter LB. "LB" stands for living benefits, which include Chronic Illness, Critical Illness and a monthly Disability Income benefit. You will see both products on our spreadsheet quote engine. Simply sell-up to the Trendsetter "LB". Prudential and Transamerica offer guaranteed Return of Premium term plans. They are ideal for young clients and for business buy-sell cases. Quote them by clicking the ROP rider function on the quote engine. Transamerica's GUL and GSUL plans automatically offer a guaranteed Return of Premium feature. Policyowners can opt for 100% of premiums paid on the 15th, 20th or 25th anniversaries, or any anniversary thereafter. Their GUL is available on our quote engine. North American and United of Omaha GUL plans automatically include a Chronic Illness living benefit. Why sell a GUL plan without this value-added benefit when you can sell a GUL with it? Both products are available on our quote engine. |
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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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