5 products changing the Long Term Care conversation. These products are being used to help clients plan for a potential long term care event. What makes these options most attractive is that these products provide flexibility and benefits that traditional long term care does not always provide… Guaranteed Level Premiums – Death Benefit Option Return of […]
In 2014 $236 Billion in annuities were written. Each year a majority of that business gets sold through 1035 Exchanges. We gather from this information that client’s aren’t using their annuity for income… So when asked what they are using it for we hear… “I figure i will use for an emergency.” “I plan on […]
Non-Smoker rates for Cigar Smoker, Pipe Smoker, Nicotine Gum, Dip, Chew, E-Cigarette, and Marijuana users.
Prudential Non-Smoker Plus With Prudential your clients are able to qualify for Non-Smoker Plus rates even with weekly use of non-cigarette nicotine and/or marijuana products. The rules are… The client must admit it usage on the application. The client can test positive in the labs for nicotine and/or THC and receive Non-Smoker Plus rates as […]
We want life insurance on all of our clients and we also want it to be easier to process. There are a couple ways to make it easier right from the beginning. Consider these 3 things when writing term insurance. Quote multiple carriers the first time around. Clients want to know you can offer them […]