When one half of a couple is likely to be declined for LTCI, I address the unhealthy one first. I explain how a medically underwritten immediate annuity can provide a life income much less expensively when life expectancy is less than “average.” The healthy one then easily agrees to buy LTCI leaving the nest egg for the unhealthy one to use. This results in future sales, as well as the medically underwritten annuity when the unhealthy one does need care.
Once you receive a referral to a new prospect, the initial phone call to that prospect is very critical. You don’t want to do or say anything that will hurt your client’s relationship with your referral source (or your relationship with your client). You want to be proactive, but not aggressive.
Take advantage of the LinkedIn “company” feature. Follow companies in your local area and you’ll be notified whenever employees join or leave that company. This is a perfect opportunity to start a conversation about 401(k) rollovers.
Has your business come to a halt, even though your processes haven’t changed? In weight loss, this is referred to as a plateau—a stopping point that must be overcome to start losing weight again. Continue reading
BY JILL KONRATH
Five minutes. You wouldn’t think it would be difficult to misconstrue those two simple words. However, after many years of marriage, I can assure you that it has two entirely different meanings for my husband and me. To me, it’s about five minutes, give or take a few. To my husband, it’s exactly five minutes. On the dot. Not one second later. (I drive him crazy.) Continue reading
It’s possible to get referrals from clients and prospects without even asking. Here are 5 different ways to plant powerful referral seeds with prospects and clients: Continue reading
If you’ve been in business longer than a week, you’ve probably heard this objection from at least one potential new client: “It just costs too much.” Or, you might have heard it this way: “I’m really interested but I think I can get it cheaper somewhere else.” Continue reading
Online marketers seldom seem to find time for considering the long-term view. With the email marketing industry getting more and more competitive, the dire need of the time is concentrate on the long-term strategies, rather than just focusing on the ‘here and now’. To make the email marketing program successful and boost the sales figure, marketers need to emphasize on strategies that guarantee long term success. Here are 7 essential steps to email marketing success. Continue reading
Fixed indexed annuities used with traditional retirement portfolio strategies improve the chances of creating sustainable income throughout retirement, according to a survey released today by Topeka, Kan.-based Security Benefit Corporation. Continue reading