Source Brokerage, Inc. - Updates
February 2014 
 
 
Quick Links
  

Seniors  

 

How do you build a more client-centric retirement practice?

 

We are excited to announce the launch of an eight-part business building program

designed for you.

 

Retirement 3.0 is upon us.  The boomer generation has redefined 'how to do' retirement, and it's not a do-it-yourself project.

 

Our first meeting is this Wednesday, Feb. 19th.

Click here for details.

 

Facts About Women and Life Insurance

 

Looking for a pool of prospects?

 

Seven in ten women agree that life insurance is a necessity and all people should have it.

 

Yet, one-third of wives own no life insurance at all - despite the fact that seven in ten households are dual income, and nearly 30% of wives earn more than their husbands.

 

Women comprised 49% of the workforce in 2012 - an all time high - yet, 43% had absolutely no life insurance. 

 

Afterwords 

 

I can't be out of money.  I still have checks. 

- Gracie Allen

 

Why is there always so much month left at the end of the money?

- Anonymous

 

I know I can't take it with me, but will it last until I go?

- Martha F. Newmeyer

 

 

 

Every single person in America that owns a term life policy is a new qualified lead for you.  See our Sales Tip below to find out why.

Life Plans

Effective immediatey, Lincoln National forms packets will include anLincoln National  additional supplement for a listing of insured, owner and beneficiary contact information.  Please destroy or delete of the old Lincoln forms packets you have on hand.  The packets available in the Forms module on our website include the new supplement. 
  
For a limited time, Lincoln National is offering an external term exchange program featuring their new Treasury Indexed IUL product.  The original issuing carrier must be an A+ (Superior) carrier, the policy must have been issued within the past three years, and it must have issued at Preferred or better rates.  This presents a good conversion opportunity for your clients that own policies by companies that have either exited the life insurance market, or do not have a good GUL conversion policy.  These companies include Ohio National, Jackson National, Hartfold, John Hancock, Lincoln Benefit, AXA or MetLife. 
  
Reminder:  Please send all applications, forms, requirements, licensing and contracting, et al to our office - not directly to a carrier.
  
Request a quote online, call Julie at ext. 233 for term quotes, or Jeff at ext. 225 for UL quotes or impaired risk quotes.

Annuities  

 

We've got some neat products with some neat niches.  Check out the following from an A+(Superior) carrier with over $180 billion in assets: 

  • IUL with a performance trigger at 5%
  • IUL with 10% free-out in the first policy year
  • LTC annuity with triple leverage
  • Income rider that can be added post-issue 
  • Nursing rider 10% free-out that continues even after the account value goes to zero
  • Deferred SPIA that significanty beats any income rider 

Review today's best traditional multi-year rates.  Call Jeff at ext. 225 or Julie at ext. 233 with questions or for illutrations.  Or, use our quote request tool.


Disability Income 

Standard offers a D.I. option for every occupation:

 

Protector Essential is an affordable individual D.I. policy that provides fundemental protection with robust contract provisions:Steve

  • Base policy includes partial benefit and modified occupation definition
  • Premiums are substantially lower - an excellent fit for women, individuals over 50, chiropractors and blue/gray collar occ's

Protector Platinum provides one of the strongest contracts in the industry:

  • Base policy includes the strongest partial benefit and own occupation definition in the industry
  • Execellent for executives, physicians, attorneys, CPAs and business owners 

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. 

SalesTipSales Tip

You have a window of opportunity.  Every person that owns a term life insurance policy...including your existing term clients...is a qualified lead.Success
  
Chances are, their policy does not include living benefits...only a death benefit.
  
Replace their death-benefit-only policy with a policy that also includes Critical and Chronic Illness living benefits.  Why?  Watch the two following testimonials, and share them with your customers:

Run our Term Speadseet Quote engine.  Instead of looking for the cheapest product, look for Transamerica's Trendsetter LB product.  The "LB" stands for Living Benefits...both Critical and Chronic Illness.  The cost difference is only a few dollars more per month.  Make a difference in the lives of your clients. 
Thank you for your time and your business!
Jeff Darnell
Source Brokerage, Inc.
9535 E. 59th Street, Suite C 
Indianapolis, IN 46216
800.543.7167 ext. 225LinkedIn
317.803-3370 fax