Monday, December 30, 2013

Arnold-Chiari malformation

Have you ever wondered how an underwriter would look at Arnold Chiari malformation?  Never?  Fair enough – neither have I.

I would be willing to guess that you have wondered how an underwriter would look at your client’s diabetes, or stroke or epilepsy.  As you are aware, when a situation arises and your client tells you that they have a health history, the first thing you should do is call our office and ask how the underwriter would look at the situation.  You are already aware that there is a library of underwriting questionnaires on our website.  It is always a good idea to find the appropriate questionnaire, download it and gather all of the information to give to us before you call.  The more info the better the quote.


When you call Lane or me and give us all of the information, we will diagnose the case and run an illustration based on the facts that you gave us.  When we have good input we are right 90% of the time and this allows you to QUOTE and DELIVER the same rate.  This is ability to diagnose a case is a big plus to everyone involved.  If we can’t find the answer to your question in our underwriting system, we will reach out to one of our underwriters and ask them for direction.  Generally we can deliver an informed answer to you in 30 minutes or less!


A good situation just got better!  The information you need to understand the underwriting position of Arnold Chiari malformation and almost any other impairment is now at your fingertips.  We have just added Underwriting 101 to our website.  Now you can look up the impairment and educate yourself on the condition and find out how the underwriters at one of the nation’s leading companies will look at it.  The even better news is that this diagnosis of the condition is good at many of the companies that we represent.  We may even have a company that will look on the situation more favorably.  In any case – you will be able to get a head start in the underwriting process because you are better prepared.  When the case presents itself, you can study the condition, download the appropriate underwriting questionnaire from our library and go to work.


The experience that Lane and I have in the impaired risk field can make the difference in whether or not you are able to place a case.  When the situation arises – call us first!  We will work hand in hand with you to find a home for the case you worked so hard to get.
Thank you!

Don Boozer

Friday, December 13, 2013

UL With GUARANTEED Cash Value?

Without going through the entire history of universal life products starting in 1981 and continuing to the present, I will just say that the UL world is constantly changing for the better.  Every time a company improves their product we try to take note.  Sometimes these changes can give YOU a competitive edge and we want to take advantage of that possibility.


Today is one of those times.  There are a lot of companies that offer an excellent (fairly priced) universal life product with guaranteed death benefits and premiums that are guaranteed never to increase.  Generally these products have two different formats; One has NO cash value and the other has some cash value.  The one with no cash value could just as easily be called ‘term to age 100’ or ‘term to age 105.’


In the case of Protective Life, the Custom Choice is the ‘term to age 100.’  It is the product with no cash value.  It is generally as competitive as any product in the market.  The Advantage Choice is the product that has some cash values.  I like this product because with the cash values – the client has the opportunity to cash out at some point and get his money back.  The thing that YOU need to know is that with Protective, sometimes the Advantage Choice product is cheaper than the Custom Choice product.  It makes no sense – but that is what happens.  IF it is not cheaper – it is generally not that much more.  ALWAYS take a look at the Advantage Choice when you are looking at Protective’ s UL products.


I like the ‘no lapse’ universal life products.  They perform the same function as whole life products with the exception of the cash value and they are nearly always cheaper for the client.  BUT now you have a solution for cash value problem as well.    Take a look at the American General Secure Lifetime UL.  This product offers the guaranteed death benefit, the guaranteed premium AND a guaranteed cash value!  The product is competitively priced with the other ‘some cash value’ products.  Keep this feature in mind – there may be a case where this benefit will save the sale for you.

Thank you for your business!

Don Boozer

Monday, December 9, 2013

Term Rates Up To 20% LOWER than the LOWEST Published Rate!


Every now and then – you get lucky.  You get a call from someone (at the bank, CPA, insured etc.) who is looking for the very lowest term rate in the industry for someone who is seeking a short term loan and needs a short term policy.  We currently have the ability to lower the rates on large case – short term – quotes by as much as 20 percent.  In order to qualify for this program, the case must meet both of those requirements (large case – short term).   You probably saw this flyer last week promoting this product. 

We believe that we are one of only a few agencies in the country that can deliver on this promise.  If you have a large short term case – please give us a call and allow us to show you how this is done.  We have not been beaten on this one yet!

Don Boozer

Thursday, December 5, 2013

It is E&O Renewal Season!

Last year we added a new producer benefit to our website but we added it after the season had passed.  Most of us have our E&O renewal at the end of the year and we added the benefit in March.  BUT this year – we still have the same low rate and you can save money on your E&O by shopping on our website.

$1 Million Per Claim – As Low as $435!

Our coverage is offered by CalSurance, the leading provider of E&O coverage in America.  Last year I paid $685 for the same coverage through the program offered by one of our companies.  This year I am going to buy it here and save!

We have deductibles as low as $500 and a maximum aggregate up to $3 Million!  We offer full coverage for all companies for life, disability, health, Medicare Supplements, Fully Insured Groups, Accident Plans, LTC (and Annuities on level II).  We don’t have coverage for P&C and securities sales.

Fast – Easy-to-Obtain Coverage!

You can apply online on our website.  There is a simple one-page enrollment form; no multi-page application required!  You can print off your certificate immediately after your enrollment. 

When You Receive Your E&O Renewal Notice – GO SHOPPING! You can see a complete breakdown of coverage and costs HERE.   

Thank you!

Don Boozer