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. Doing Business in 2026As we enter this new year, we would like to remind you that the "e-app" process and "e-delivery" are the way to go. Your clients have the opportunity, in many cases, to be approved without an exam or labs. (Face Amounts matter) AND with the paperless business process we will be able to best support your efforts. Paper apps, when required, extend underwriting for up to 2 to 3 weeks and need to be submitted in "perfect" order for processing.
Need help to do "e-business", contact Bill as soon as you can for 2026! 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. Using our Quote Worksheet will help you 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 place more business. CLICK HERE FOR THE LATEST PDF of the Life Insurance Quote Worksheet
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. Annuities can be an excellent alternative to CDs or Money Market accounts. Even banks show "our" fixed annuities. 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! Stay up to date on rates by using our Annuity Quote Engine! LONG TERM CARE AND SHORT TERM CARE InsuranceDoes worrying about the cost of health care keeping your clients up at night?
You may be able to help them if they or a family member are between 40 and 80 years old. Check out the 3 different types of Extended Health Care Expense "LTC" 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! 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. Cash payments 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 their even their Parents! THINK OUTSIDE THE "TERM BOX" to best fit your client needs.What guaranteed level premium duration best fits your client's needs?
Based on age, you can show your clients life insurance rates that are guaranteed to stay the same for as short as 10 years or up to 15, 20, 25, 30, 35, 40, to age 65, 70, 75, 80, 85, 90, 95, 100, 105, 110, 121 or beyond. Consider changing your approach and asking "How long do you want your premiums and the face amount remain the same?" Many life insurance consumers don't know what is available and if you don't ask, your client's needs may outlive their level premiums or even renewable face amount and they, or worse a family member, may blame you! Before you or a client go to the Dentist, take a look at our new dental coverage. Dental insurance is available to individuals and it really works! Especially for your clients on Medicare!
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! Don't leave home without it! When you leave the U.S.A. your health coverage may leave you!
I was shocked to find out how little, if any, health insurance benefits existed when traveling abroad. We now offer GeoBlue for you to help your clients traveling short or long term out of the Country! Easy for you to get contracted, easy to write and a valuable addition to your insurance products portfolio. Call Bill to discuss and to get set up with your own client facing URL and start selling! The only "silly" insurance is the type your client doesn't have when they need it! Have you taken the time to reach back out to your "other than preferred" clients?Some people actually get healthier after underwriting and if not, maybe they should convert some of that term life insurance that you sold them. But you won't know if you don't ask. Here are some examples:
Are there people out there who are just impossible to insure?
Not if he/she is 50 to 80 years old and can pay the premium. We have multiple carriers that when combined can add up to almost $100,000! Visit our Final Expense page for more details. Long term care insurance, for better or worse?
In 1997, “Tax Qualified" long term care insurance policies became available providing potential tax deductions or tax credits for premiums and income tax free benefits. Very quickly, this type of policy became the only type being sold. Unfortunately, along with the possible tax benefits, premium rate increases also became reality. While many policy owners have been benefited from the tax advantages, every single carrier that I know of has had a rate increase of some amount on some of their in-force policies.
Do you remember why you stopped showing long term care to your clients? Click here for the number one reason agents tell me they stopped selling long term care then let me show you what has changed. Please note, you now need to be contracted before writing business with many carriers.
It is becoming more and more necessary to be appointed and have carrier website access before writing business. In Texas and many other states it is actually now required by Transamerica, Columbus Life, Gerber and Integrity as well as carriers who only offer online applications such as Great Western, Aspida and Oxford that you have an active appointment before you can write a case. PLEASE do not write an application or drop ticket before you are actively contracted with a carrier unless you have discussed with us. |
|
|