Things to Know!

This Page has Tips, Hot Topics and Generally Things to Know to Help Your Business!

VERY IMPORTANT! Personal policy premiums should be paid from personal accounts & business owned policies should be paid from business accounts. Carriers are cracking down on premium payments being made by "non interested" parties and unless a business is the policy owner or listed as premium payer, checks are being rejected and agents are having to go back for new payment information. Nobody wants to be that Agent! (-;

Seller Beware! With term rates continuing to battle for "first place" I have been seeing some new term plans that are restricting conversion periods and or significant conversion product limitations for clients. Some carriers won't even send out a paper policy anymore for the cheap term rates! Please be aware of what you are selling and how it may impact your clients in the future. If you are not sure, ask us. It's what we do.
Reward Your Clients for Healthy Lifestyles The Fit underwriting program can help save your clients money--especially when you consider the total savings over their lifetime. Click the link above to learn about the characteristics that can help clients qualify for better rates.
Marijuana Up to 3x per week "recreational*" usage can get Standard Plus NS Rates! Same deal if using cigars, chew, dip, pipe, pill, patch etc for nicotine delivery but haven't smoked a cigarette in the last 12 months. Contact Bill Jr with your case details for a quote. This Carrier's rates won't be beat for these type of cases. *If using a THC for a medical reason the underlying cause will most likely disqualify a case from the Std+NS rate class.
Life insurance isn't just for the well to do! Many families would purchase a final expense plan if they knew you offered it and how affordable it can be! Face amounts literally starting as low as $2,000 and going up to $30,000. Guaranteed Rates and benefits. Sometimes knowing that there is life insurance in place for when that final day comes can provide an "experienced" person with a little bit of peace of mind.
Easy to quote, easy app and easy to get approved. Details: contact Bill Jr. - Email sessumsjr@gmail.com Phone: 713-771-7226
American National has very competitive term life and GUL with living benefits with no additional cost even on term! Term to Term Conversions and Term to Perm conversion to all products in portfolio with conversion credits! Super fast u/w decision when using e-submission.
Living Benefits, are you showing your clients the option have having "Living Benefits" included on their term and or UL policies? Many agents have said "since we can't guarantee how much the client can get it isn't worth showing." But did you know that for the same or very likely the same premium your clients can have the "OPTION" of taking some death benefit before passing if they become chronically ill? Two major carriers offer Living Benefits on Term and many others do on UL. Isn't it worth giving your clients the option? Better to let them make a decision rather than them being in the dark. Please consider showing both! I can help, just give me a call or request a quote!
Funeral Costs. Funerals cost money and unfortunately for many they don't plan for it. Yes, they know that there are "final expenses" it's just not that time yet. Whether it is a small GUL or WL for a younger person who is healthy or a simplified or even guaranteed issue for the 50 to 80 year old for $5,000, $10,000 or up to $30,000 no one wants to use savings to pay for a funeral, show them that using insurance company money is a smart decision. Quotes and apps are easy and clients are covered. Get a quote this week for someone who needs it. We are here to help, you find the client, and we get you the quote, app & help you get them covered.
Will they or won't they? That's the question. Just in case your clients have a need for extended health care starting at home and progressing from there shouldn't you show them a guaranteed premium, guaranteed lifetime benefit product that will provide the funds to help pay for it? Give Bill Jr 15 minutes of your time so you can help clients prepare financially for the costs of extended health care. It's not the same ol' LTC.
Have you shared with your clients the policy that protects them from the "BIG 3"? If you haven't you may not want to talk to them about a policy that pays a lump sum of dollars if they are diagnosed with Cancer, have a Heart Attack or Stroke. These "big 3" hit them both physically and financially. Contact Bill Jr and let's talk about it! You and your clients will be glad that you did!
There is an alternative to "trust us" LTC Insurance with lifetime monthly reimbursements and guaranteed rates for life.
YRT can save the case! If a client "needs" the coverage but premiums are too high, take a look at By Clicking Here
Term life with No exam or labs ever up to age 60 & 500K with just a short app & phone interview! No, bait and switch! Very competitive premiums, very good conversion choices, very good comp.
Clients who use a cigar, chew, dip, patch, pipe, gum but no cigarettes can be NON SMOKER with two of our carriers.
Have clients who are going to "quit", "drop a few pounds", "get taller", "de-stress" etc but need life insurance now? Offer a Yearly Renewable Term plan! It's an excellent and we have one of the BEST YRT products on the market!
Knock a couple of tables off with United of Omaha’s Fit program for clients who meet certain medical and lifestyle characteristics. 3 checks = 1 table credit, 5 characteristics = 2 credits. Get the best rates on every app by completing the Fit Test every time!
Critical Illness coverage- two great options with multiple claim buckets! Fully underwritten or Simplified CI Click the links to learn what you need to know to present to and protect your clients then get with Bill Jr for your quotes!
Want to know more about the MIB! What, Why & How to get your client's report when they want it? Check out this link to MIB
Need a Disability Income Quote? Click here for a handy data gathering form!