Solutions and Concepts

When working with individuals for family protection or estate planning or business owners we can help you with solutions and concepts and with illustrations.
This page contains some samples and we have more!  Give us a call about what you need and let us see what we can put together for you.  
Life insurance planning and sales really haven't changed that much:  Meet, Understand needs, Evaluate options, Plan, Educate, Recommend & Implement.


Family Protection
Planning
Income Protection is the basis of what Personal life insurance is all about.  But do you really know how much Life Insurance is needed for your client to really have "Income Protection for their family?  If you click on this link for the Income Replacement Grid you will be well on your way!
 
Would you like an Income Protection Sales Concept kit that provides Marketing Tools to help you provide your clients with income stability for their loved ones?  Email me and we will send you one!

Why is your client considering buying life insurance?  Help your clients and prospects evaluate needs and purpose of having life insurance with this piece,   
Purpose Driven Life Insurance 

Want to help your clients make it easier on those they leave behind?  Consider ordering some of the following pieces from us or providing them with the PDF: 
My Wishes and Record Keeper
Life Insurance for Children is Sometimes a Touchy Subject But...
Not approaching your client about a life policy for a child and having to face the tragic question of why you didn't if a child passes away or becomes uninsurable should motivate you to have that conversation.  We have two tremendous products for children: 

The United of Omaha's Children's Whole Life
​
And Gerber Life's Grow Up Plan
Both products are designed because a child is going to live and provide true whole life coverage with non med increase options and all at a very low cost to Mom and Dad or Grandparents who want to provide a lasting gift!

Life Insurance You can Use While You Are Still Living is the "New" Life Insurance!
​Are you telling the story?

One of the biggest changes to life insurance has been the addition of no cost or cost riders to life policies that allow for payments before death. The riders vary by carrier and by definitions in policies but frankly it is the NEW Life Insurance. My Opinion, if you are not aware or not selling these benefits you really should be.  Please see the links below from carriers explaining how theirs work.

Generic or Life Insurance to Fit Needs?

Many families & Businesses could use a little planning when it comes to buying life insurance. Trying working within a budget or save premium dollars?  Consider customizing there insurance coverage.  "Laddering" can help people put more face amount in force today for the same or less premium.  By blending term periods and even including a GUL to help them reach goals and protect their families or businesses you become the advisor!  It takes a little extra work but it's worth it.


Business Planning
Want info and a quick "refresher" click on one of the links below:
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 Is it Time to Take a Look Back at Your Block of Term or Even Perm Business?

Do you feel that you should help your clients reevaluate needs and consider converting some term to perm or update beneficiaries or addresses?  Give me a shout or email me if you are interested in reviewing your block of business or need forms to help you with your reviews. We can easily provide a list of cases you have written since 2007.