March Sales Spotlight
Discover Your Next Sale
A 30 minute webinar designed to (1) effectively categorize your client portfolio, (2) effectively target your current client list to find new sales, and (3) get useful tips on targeting referrals for specific sales concepts.
Tuesday, March 12th
11 a.m. EST
Register Now!
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Underwriting Spotlight
Chronic Obstructive Pulmonary Disease (COPD)
COPD is a progressive disease that makes it hard to breath. Cigarette smoking is the leading cause of COPD. Most people with COPD smoke, or used to smoke. Long term exposure to other irritants - pollution, chemical fumes, dust - may also contribute.
In COPD, less air flows in and out of the lung's bronchial tubes because the thousands of smaller bronchioles within the tubes have air sacs that have been damaged or destroyed, or the tubes themselves are inflamed.
Underwriting is largely dependent on whether or not the proposed insured currently smokes or not, and the results of his or her pulmonary function tests for the past few years. |
Afterwords
Every new day begins with possibilities. It's up to us to fill it with the things that move us toward progress.
- Ronald Reagan
I love the challenge of starting at zero every day and seeing how much I can accomplish.
- Martha Stewart
Today is a new day. You will get out of it what you put into it. If you have made mistakes, there is aways another chance for you, for this thing we call "failure" is not the falling down, but the staying down.
- Mary Pickford
Yesterday is not ours to recover, but tomorrow is ours to win or lose.
- Lyndon B. Johnson |
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Greetings!
Our aging population is becoming increasingly concerned about retirement income. Suggest the Roth IRA "alternative" to your clients. See our Sales Tip below. |
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Life Plans
A question we're asked a lot is, "who has the best indexed UL plan?" We like North American. Click on any of the following to find out why:  North American has IUL plans with lifetime guarantees and other plans with moderate guarantees for greater cash accumulation. And, their products automatically include a chronic illness living benefit. |
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Annuities
"I want to wait until rates go up." How many times have you heard that from a prospect? Well, now's the time for them to commit. Rates on deferred and immediate annuities have trended up. We can guarantee up to 3.10% for 10 years.
Remember, everything is relative. Annuities have great rates compared to other options. On Feb. 8th, the highest CD in country offered 1.37% for 5 years. Use the CD tool on www.bankrate.com as an annuity selling tool with your clients.
Thomas Edison once said, "Opportunity is missed by most people because it is dressed in overalls and looks like work." Are you missing opportunities with your existing client book of business?
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Disability Income
Finally, a disability product that is as easy to understand and sell as life insurance - the DInamic Fundamental from Ameritas.
- It's simple. Your client can purchase a benefit equal to 1x annual earnings, not to exceed $100K. It pays a single lump sum for a total disability that is expected to last for one year, with a 30 day elimination period. Policy terminates once the claim is paid.
- It's affordable. Pricing compares well with other common bills (cable, utilities, etc.). Premium has two levels - one for less than 50% manual duties and one for more than 50% manual duties.
- It's attainable. Accept or Decline underwriting. No exams or labs required, no medical records or personal history interviews, no income documentation, all with a short application!
- Check out this easy premium calculator.
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
When your clients think about retirement it's common for them to think about a Roth IRA. They like the idea that the cash value accumulates tax-free, and when they retire the income will be tax-free.  But, you might consider suggesting that they also look at the Roth IRA "alternative"...life insurance. Contributions into either are non-deductible, they both grow tax-deferred, they both have tax-free distributions, proceeds of both can be left income tax free to beneficiaries, but unlike a Roth IRA, a life insurance policy has the following advantages:
- No limits on contributions (within guideline premium limits)
- Early distributions without tax penalties
- Creates an immediate estate upon premature death
- No compensation requirements
- No income limitations
Where can you find a better value? Life insurance is flexible and offers more than most clients realize. Let us prepare a life illustration for your next Roth IRA client. |
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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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