How many of your clients would consider replacing their existing term coverage with a product that could pay benefits if they were to experience a major health event?

The client does not need to convert their entire term policy at once and can make use of multiple partial conversions to help keep premium costs low while providing added flexibility.

When analyzing a premium financing option for clients, it is easy to get lost among the variables in play. These include 1) collateral risk, 2) policy performance risk, and 3) interest rate risk.

Does permanent life insurance have a place in your clients’ overall financial portfolios?

With such a policy, your clients can be covered from three major risks: dying too soon, living too long and living with an impairment.

When you know which questions to ask, and learn detail of what your clients would like to accomplish, you start to get a clear picture of what matters most.

The executive bonus is a great sales concept for the small business market and can generate significant commissionable sales to the producer.

A properly designed Indexed Universal Life (IUL) can help you win more cases by providing customers with options they can use while living.

Show your clients how to utilize a 1035 exchange into a Term/UL hybrid product to lower current premiums or purchase a paid up policy.