April Sales Spotlight
Life insurance can be more than just a death benefit.
Click on the image below to hear about it now.
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Underwriting Spotlight
"Obesity"
Being overweight, bad eating habits and lack of exercise can lead to secondary problems that include diabetes, hypertension, high cholesterol, high trigly-cerides, sleep apnea & heart disease.
For those reasons, most carriers have similar build charts for Preferred Best and Preferred rate classes. The exception is Genworth. For example a male that is 6' 0" has a Preferred cut-off at 221 lbs with most carriers. But, Genworth will go as high as 242 lbs!
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Afterwords
Everybody knows if you are too careful you are so occupied in being careful that you are sure to stumble over something.
- Gertrude Stein
A ship in harbor is safe - but that is not what ships are for.
- John A. Shedd
If you wait for the perfect moment when all is safe and assured, it may never arrive. Mountains will not be climbed, races won, or lasting happiness achieved.
- Maurice Chevalier
I decided long ago that I would never look at the right hand of the menu or the price tag of clothes - otherwise I would starve, naked.
- Helen Hayes
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Greetings!
Do you think a prospect you've been courting would be interested in learning about "The 10 Most Common Life Insurance Mistakes And How To Avoid Them"? See our Sales Tip below. |
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Life Plans
Our last two newsletters focused on detailed comparison studies between North American's IUL portfolio and other carriers, specifically AVIVA, Allianz, LSW, Penn Mutual, Equitrust and John Hancock. (Please let us know if you'd like a copy of those comparisons.)
In lieu of reading those comparison studies, we're often asked, "What makes them better?" - Thirteen index selections
- Daily sweeps
- Zero cost loans starting in year six on 100% of the loan value
- Chronic Illness living benefits included at no-additional-cost
- Every eight years the policy account value is increased to reflect the guaranteed minimum account value, based on guaranteed assumptions including a 3% rate, if the 'guaranteed' calculations are higher than the 'current' calculations
- Three different IUL plans, including a lifetime guaranteed product
- A+(Superior) rated by A.M. Best, with a 92% Comdex Index
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Annuities
Single Premium Immediate Annuity (SPIA) rates are going up.
- We subscribe to services that allow us to see which carriers have the highest payout for any SPIA scenario, and
- We feature SPIA products with flexible liquidity options vs. SPIAs that do not.
- Request a SPIA quote today!
Also, you probably have clients renewing CD's in April. Fixed annuity rates are much higher than CD's and can result in some easy sales. Click here for today's best rates.
Call Jeff at ext. 225 or Julie at ext. 233 with questions. |
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Disability Income
A growing trend in the individual disability market is 'guaranteed standard issue'. It is stirring up big opportunities for agents and advisors.
Read Steve and Ellen's Broker World article, "Covering The Shortfall", to learn how you can sell multiple policies with one sale, and without any cumbersome financial and medical underwriting requirements!
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
Sometimes it takes a good attention-getter for a prospect to grant you an appointment. Try the following: "Mr. Client, I'd like to share with you a list of the 10 most common mistakes people make with their life insurance coverage. It will only take a few minutes. Is 10 am next Tuesday, or 3 pm next Wednesday, a good time to get together?" These mistakes include beneficiary designations, product matching, coverage amounts, disposition of assets, ownership, premiums made in the most cost - or tax efficient - manner, and the inequality of different plan types. It also includes an easy to understand checklist. Click here for a copy of the full report. |
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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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