He said thanks, and he’d buy a big policy, just as soon as he got that Trust done. You know the Trust. That trust.
Fast forward 8 months. Trust is now forgotten, but the need is still there. But he’s older, so other carriers are now less expensive. So we go to both of the now less expensive carriers. One says Standard Plus (that darn Sleep Apnea again), the other wants a blood test to get to Best Class (testosterone, ferritin, glucose, cholesterol).
So we go back to Pru, they stick to their original offer, and we place $4MM at Best Class. Then we get an application for $10MM more.
Is it because the agent worked so hard for the client? You be the judge. (yes).
(And the Best Class part. And the need for coverage. And the premium affordability.)
Need a Miracle? Submit one HERE.
Here’s some of a recent email she sent me-an email with the Subject of “Life Insurance for the most dangerous country on earth”:
I have a tricky situation for you. I need to get life insurance for my sister-in-law, but currently she is here on a visa and is still a citizen of El Salvador. When I tried several years ago to get life insurance for my father-in-law who is here on the same type of permit, even though they have all been here for over 20 years, there didn’t seem to be a carrier willing to write coverage for someone with Salvadoran citizenship. Any chance you would have any carriers that would take this on nowadays? I don’t even care how expensive it is (well, okay, that’s a lie), but I legally have to find coverage for her somehow because she is going to be carrying my baby very soon. Yep, you read that correctly! Any help you can provide or any direction you can point me in would be much appreciated.
We then found out that her visa is the “temporary protected status” that was cancelled in January. So her status is stable here until September 2019 when she’ll be forced to return to “that sh**hole country”.
Thanks to our friends at Prudential, we were able to issue a Best Class policy. I’ve never been so proud and excited to deliver a $269 annual premium, ever.
Need a Miracle? Submit one HERE.
I’ve been doing a fair bit of traveling, attending marketing meetings from Walnut Creek to Tampa. I have a lot of new ideas, but I want to try a different approach.
You are my customer, my client, my friend, my relationship. So how about I ask you what YOU want, what YOU think is important?
Can you sell it? Are you selling it? To whom?
United of Omaha has two SOLID IUL options, both simple and transparent-with a Guaranteed Refund Option (think ROP).
Lincoln has a brand new IUL with a 40 year no lapse guarantee, and an 8.75% cap, guaranteed for the first 10 years.
We’re quoting it here and there, but not selling a ton, and I’m wondering why. Don’t get me wrong, I’m still a guarantee junkie. But I’d love to hear your thoughts.
I have to hand it to our carriers-in this plodding, low interest rate environment, they’re super focused on differentiating their products, any way they can. And most of the effort is going toward Accelerated Benefit Riders, or ABR’s.
AIG has no fewer than FIVE ways to access a death benefit early.
Does ANYBODY care? Have you ever sold a policy because of its ABR?
Drop Ticket Term:
There. That’s pretty much it. You know where it went from there. Poof. Almost gone forever. But we fixed it.
Do you want access to a Drop Ticket application process?
Another Cheap Term Carrier:
I think I might be the best agent H.D. Mooers and Company has. I got referred by some new clients, a husband and wife living in San Francisco. Check out this timeline: