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Insurance Perspectives
Licensed Agents & Staff, thank you for visiting our website.
When you need our help just call us at 713-771-7226.
We are here 9 to 5 CST M-T and 9 to noon on Fridays.
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Thank you for working with us to best serve your clients.

Welcome to the Agent Resources Page


How Much Life Insurance Does Your Client Need to Protect Their Family? Click here for a great worksheet!


Need some Advanced Sale help?  Check out this resource page!


Anti-Money Laundering (AML) Training is required for Financial Professionals.  ​Depending on the carrier it must be completed every 1 to 2 years.  Training is available at no cost through LIMRA, click the logo to get started.
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Do you need to be licensed outside of your resident state?  It is very easy to do.  Just click on the logo below to get started.
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What may seem easy and second nature to some may be hard to grasp for others unless they can "calculate" it. ​Click on the Calculator image for a variety of free, online calculators we have found and provided links to that you may find helpful.
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C.E. is required in most states for license renewal and for specific product sales such as Annuity or Long Term Care even if an agent is exempt from ongoing CE requirements. Click on their logo to log in or set up your account with WebCE for best pricing using our Agency discount.
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The Three Most Common Issues Keeping Applicants From Getting The Rate You Quoted Are:

#1 Non disclosure.  As carriers aggressively utilize electronic data searches, "forgetting" 
medical and/or prescription history becomes a big time killer and often a rate class killer too! 
When an applicant "forgets" to mention 
medical history or prescribed medications to you, during phone interviews or exams, underwriting has to investigate which often includes ordering medical records they may not have otherwise needed. With the e-data available to underwriters there really is no "hiding" a person's history.  It used to just be MIB but now info goes more in depth and and further back than many would imagine.
  
#2 Admitted verses Actual height and weight.  The more accurate your client is with you, the more accurate your quotes will be.  Shrinking a couple of inches or gaining 10 lbs from when they talk to you to underwriting day really can change the outcome of u/w.

#3 Nicotine or Nicotine substitute usage of ANY kind in the last 5 years.  It is no longer a "do you smoke" question.  Many carriers now go back 5 years for any type of nicotine use or nicotine substitute at all and if yes, increase rates.  PLEASE ask the question along this line:  "Do you now, or have you in the last 5 years, used any type of tobacco or nicotine product or nicotine substitute like vaping, patch, gum or medication?" 

If the applicant's answer is "yes" then please get the specific details so we can help you to quote the right carrier for them. Some carriers may offer non smoker rates for cigar, pipes, chew, gum etc but you need to know what they use and how often, to quote them right.
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This website and the information herein is intended only for the use of licensed Insurance Agents & their Staff.  If you are not a licensed Agent or Staff Member of one and need assistance please contact us for a referral to a licensed Agent in your area.

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