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Happy December!  We are 11/12ths done with 2020! 
A great way to plan for 2021 is to start look at your in force business and identify policy holders who you wrote with Met Life (now Brighthouse), ING (now VOYA) Genworth/First Colony (now Genworth) and then contact them to see if the term, UL or WL they have is still appropriate for them. 

These three carriers in particular are very difficult for you as the agent to be involved in the service and more specifically conversions that your clients may need in the future.  If your client's health allows it and it is suitable, I would encourage you to consider rewriting them with one of our other carriers.
Life insurance for those who seem impossible to insure and an extra $100 for helping them get insured! 
We just quoted a level face amount, guaranteed policy for a person weighing over 450 pounds!  And no, they were not 10 feet tall! 
Ages 40 to 80 $50,000 if they are "healthy" and there are NO build or nicotine questions! 
​Let us work on your next "might be difficult" life risk so you can be the one who presents a solution rather than walking away. While it may not seem like a lot to you, for many people $40,000 or $50,000 may provide some real financial "peace of mind".
No Exam or Labs or in Person meeting required to apply for life insurance. 
  • SBLI: NOW Up to $750,000 term or whole life, ages 20-60 and NEVER an Exam or Lab work!
  • Sagicor: No Exam or Lab work, Ages 18-45 up to $1mill, Ages 46-55 up to $750K and Ages 56-65 up to $500K of term or GUL.  Please note, the best rate class you should quote is PNS, not P+NS.  
  • Great Western Life: No Exam or Lab work, Ages 40-80 up to $50,000 Simplified &/or $40,000 Guaranteed Issue
  • GTL:  Ages 40-90 up to $25,000 "almost" guaranteed issue graded benefit life, app done on lap top or smart phone, no paper app!​
Guaranteed & Simplified Issue Life Insurance, the need is real! 
Carrier 1: "Almost" G-Issue up to $50K for ages 40-80 - cases issued in 24 hours!
Carrier 2: G-Issue up to $40K ages 40 to 80. With a 2 year graded benefit = to premiums +10%!
Carrier 3: up to $25K ages 50 to 80.
Visit our Final Expense page​ ​for more details and please note you need to be contracted before you can write an app.  Given the popularity of these products it is taking about 7 to 10 business days to get appointed! 
Question: What is the MOST COMMON "BEAR MARKET" your clients will face in Retirement?
Answer: The Cost of Extended Health Care!  And did you know, Long Term Care Insurance can be used to help protect hard earned retirement savings and income?  We have four different types of options and the knowledge to help you when working with your clients. Need an LTC refresher? Call Bill Jr! 
$'s for Home Health Care!  Click to view the Consumer Home Health Care Insurance Video then get in touch with Bill to get your contracting going & to learn about the online & "smart" app!  No paper app, quick issue and very easy u/w. 
Know The Deductions for Tax-Qualified LTC - Click here for a guide on the various types of taxpayer and premium deductions available for TQ LTC.  TQ LTC includes the One America COB rider!
Credit Cards for Premiums? YES, bank the points or miles by paying with a credit card!
SBLI accepts annual premiums on credit cards up to $99,999 without any additional fees in year 1!
​Please be aware, not every carrier we have is active on our quote system.  We continually monitor our carriers and provide you with the ones that are competitively priced, timely in underwriting and willing to work with the agent and clients to approve and issue cases.  The good news is that for "most" cases our online quote system represents BOTH the top priced as well as easy to work with companies but it doesn't hurt to check when nothing but being the cheapest matters.