Quick Links
|
Welcome to Insurance Perspectives
We consult with you to help find suitable Life, Annuity, Long Term, Short Term Care, Cancer, Heart Attack, Stroke, Dental, Vision and even Travel insurance for your clients. "e-app" and "e-delivery" processes are the way to go.When you use an e-app, unlike a paper app, your clients will have the opportunity to be approved without an exam or labs. (Face Amounts matter.) Paper apps extend underwriting 2 to 3 weeks and need to be submitted in "perfect" order for processing. What's worse is that many carriers require paper app corrections to be initialed and dated by you and your client! That's embarrassing to have to do and looks unprofessional.
Need help to convert over to doing "e-business", contact Bill for help. How Accurate Are Your Quotes?As an independent agent you are able to provide the "best" rates for your clients but to do so it takes asking the right questions. Now days it is a lot more than "do you smoke"!
By using our Request Life Quotes page, or Quote Worksheet you can gather what is needed to quote not only the right rate but also the right carrier! The more accurate your quotes, the better you can set client expectations and as a result, place more business. More Interest for Your Clients?The 2, 3, 4 and 5 year fixed interest annuity rates you can offer are WAY higher than CD rates. Not telling your clients about fixed annuities is costing them money! Money that could be used to live on or accumulated for their beneficiaries.
Is a fixed annuity a good product for your clients, most likely yes! Click here to see why Call Bill to find out what to be aware of so you can make suitable recommendations and avoid the "hidden gotchas" that could put you and your clients in jeopardy. Has it been a while since you wrote a fixed annuity? Call Bill to quickly get up to speed or for sales help or for your own annuity! Short Term Care &/or Long Term Care Insurance Can Help Your Clients!
If you ask your 50 year old and up clients, you will find out that for most, worrying about the cost of health care for themselves or their parents is keeping them up at night! You may be able to help them with an insurance option if they or a family member are between 40 and 80 years old.
Check out the 3 different types of Extended Health Care Expense products for your clients or their family. 1. Short term Home Health Care. 360 day benefit periods, very simple app and quick approval, most preexisting conditions okay for approval and covered after 6 months in force! THREE carriers to choose from or your client can have coverage with all three to maximize home health care benefits and the prescription drug benefits! When a claim is made, cash payments are sent directly to the policy owner! 2. Short term Nursing Home/Facility. 1 year benefit period, simple app, easy u/w guidelines and TWO carriers to choose from or have one with each. When a claim is made, cash payments are sent directly to the policy owner! 3. A Comprehensive policy with Lifetime Benefits and Guaranteed Premiums for the life of the policy. Featuring a death benefit paid minus claims which assures your client's money is not wasted and even a cash, indemnity option for the first 24 months on claim! This is the most comprehensive and guaranteed product in the market. Underwriting works even for those with diabetes, cancer and cardiac history. Contact Bill to review options for your Clients or even their Parents! Dental insurance is available to individuals and it really works!Before you or a client go to the Dentist, take a look at our new dental coverage.
Yes, seriously, it is worth your time to find out how easy it is to write a very good dental plan for your clients! Next day benefits that will make a difference in the cost of dental care from simple cleanings to major dental work. Huge Nationwide Network of Dentists!
|
|
|
