Sales Idea of the Month
"How To Make Living Benefits Your Next Sale"
Wednesday, Aug. 14th
2 pm EDT
Click here to register
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Afterwords
Humor enables one to live in the midst of tragic events without becoming a tragic figure.
-- E. T. "Cy" Eberhart
Common sense and a sense of humor are the same thing, moving at different speeds. A sense of humor is just common sense, dancing.
-- Clive James
There is no defense against adverse fortune which is so effectual as an habitual sense of humor.
-- Thomas Higginson
Humor has great power to heal on an emotional level. You can't hold anger, you can't hold fear, you can't hold hurt while you're laughing.
-- Swami Beyondananda
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Underwriting Tips
When you're with a potential client and they tell you they have a history of Crohn's Disease, or Atrial Fibrillation, or any other significant history, do you know what questions to ask in order to provide an accurate quote?
Now, you can. Use the Quote Request function on our website for impaired risks. It incudes 24 dif-ferent medical conditions, each with their appropriate drop boxes of questions that need to be answered for accurate quotes.
Using this function with your clients makes you look impressive in their eyes, because you know the right questions to ask for a condition that is very real and personal to them. |
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Greetings!
Stop selling "old" term products. The "new" term products offer more no-brainer benefits to your clients, and will increase your revenue. See our Sales Tip below. |
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Life Plans
We're pleased to introduce our term/UL spreadsheet mobile app for  iPhones, iPads and Android devices. Now, you can provide quotes to anyone, anytime, anywhere. You can download it from the homepage on our website, or you can click here to get started. Later this year the mobile app will also include an e-apply function for all of the carriers. Download the app today and get mobile! 
Tired of filling out a full set of paperwork every time you wish to be appointed with a new carrier? Those days are over. We've introduced an industry leading e-appointment platform. Going forward, you'll just have to input your data into the platform once. Then, every time you wish to be appointed with a new carrier, you'll just click on the carrier's name within the platform. It's fast & easy. You'll find the link under the Quick Links section of this newsletter and on our website.
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Annuities
Limited time offer! North American has temporarily raised ra tes on their 5 and 10 year multi-year guaranteed annuities. When their excess capacity is filled, these rate will be over. These are the highest rates from an A+(Superior) carrier. Take advantage of it, now!
- 5 years - 2.50% for amounts $200K+, and 2.25% for amounts $10K - $199K
- 10 years - 3.50% for amounts $200K+, and 3.30% for amounts $10K - $199K
Also, ask about our indexed caps as high as 5.95%.
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Disability Income
Standard Ins Co has announced that newly self-employed  business owners with work experience in the same profession can now qualify for individual D.I. plans based on their past W-2 earnings, if:
- They have established the business within the past 12 mo's
- They are actively involved in the operations of the business
- The business is actively generating revenue at time of application
- They were employed in the same professional capacity for at least three years prior, earning at least $50K per year
- Can provide documentation for at least two of the prior years
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
Are you selling the "old" term plans or the "new" term plans? Old term plans only have a death benefit, but "new" term plans also include chronic & critical illness benefits. It's "life insurance for the living".
- It includes chronic, critical and terminal illness living benefits
- It can be written non-medically up to $249K
- It's a win-win product...it covers your clients with both death benefits and living needs, and the slightly higher cost gives you a bump in compensation
Looking for an edge over your competitors? Present the "new" term concept to your clients. Now's the time to learn more about it. Join us on Wednesday, August 14th at 2 pm for a 30 minute overview. Click here to register. |
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Thank you for your time and your business! |
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9535 E. 59th Street, Suite C
Indianapolis, IN 46216
800.543.7167 ext. 225  317.803-3370 fax
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