tag:blogger.com,1999:blog-18615774911887469072024-03-14T05:29:34.027-07:00It Keeps Getting Better All The Time - Don BoozerAnonymoushttp://www.blogger.com/profile/06015664137778748297noreply@blogger.comBlogger100125tag:blogger.com,1999:blog-1861577491188746907.post-68729925870754847122014-06-19T09:56:00.002-07:002014-06-19T09:56:45.185-07:00Really Easy Life!<span style="font-family: "Trebuchet MS",sans-serif;">We strive to continue to offer ground breaking and competitive life insurance products that you can use in your practice on a daily basis. Today, I am going to show you a life product with an app that has only 4 health questions and you can write it online or the prospect can go to a link that YOU provide to apply for the coverage. You can even put the link on YOUR website and prospects can actually apply for coverage without you being directly involved. <br /><br /><u><b>20 YEAR TERM PRODUCT:</b></u><br />Our ‘really easy life’ is offered as a 20 year Term Plan that is fully convertible. At the present time, the death benefits are $25,000, $50,000 and $100,000 ($150,000 and $250,000 are coming soon). The product has Unisex rates and is offered in non-tobacco and tobacco rate bands. Each case is issued on a Table 4 basis so your client can have some mild medical issues and still have the policy issued at the rate we quote. Monthly premiums can be paid either with a bank draft or a Credit Card or Debit Card. The client can also pay quarterly, semi-annual or annually. If you would like to see the rates – <a href="http://unbouncepages.com/viva-life-rates/" target="_blank">CLICK HERE. </a><br /><br /><u><b>FOUR QUESTIONS!</b></u><br />There are four questions that the client must answer in order to apply for the coverage:</span><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><i><br />1) Have your used tobacco products in the past 12 months,<br />2) Yes or No to a list of medical issues,<br />3) Have you used illegal drugs in the last 7 years,<br />4) Have they been denied Insurance – ever.</i><br /> </span><br />
<span style="font-family: "Trebuchet MS",sans-serif;">In addition to these 4 questions, the company will run a prescription check and an MIB. </span><br />
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<span style="font-family: "Trebuchet MS",sans-serif;"><i>There is <u><b>NO MEDICAL EXAM</b></u> and if the client qualifies, the policy will be issued within 5 business days. Commissions are paid weekly. </i><br /><br /><u><b>NO SOCIAL SECURITY NUMBER REQUIRED:</b></u><br />This is where this product begins to stand out from all of the other products. The applicant can buy this coverage even if they don’t have a social security number. They only need an ITIN (individual Taxpayer Identification Number). Sales materials and applications are available in both English and Spanish. <br /><br /><u><b>ADDED BENEFITS:</b></u><br />The plan is issued with or without ROP benefits – your choice. You may also add a $10,000 children’s rider if you wish. <br /><br /><u><b>DIRECT SALES TO THE PROSPECT!</b></u><br />This product would be ideal in a P&C agency where the front line person could go through this 10 minute process with the client after they discuss their home owners coverage. The easy question to ask and get into the sale is, “Do you have someone who handles your life insurance?” Most people will answer No. “Our agency offers a low-cost term plan that doesn’t require a physical exam and I can handle it for you in less than 10 minutes.”<br /><br />It would be excellent where there are a lot of Non-English speaking citizens. It would also be a great product for worksite marketing. If you are in the Medicare Supplement market or the health markets – THIS would be an excellent product to write on your existing clients! <br /><br />You can put a link into a form email and email your clients with sample rates and give them a link where they can go and APPLY for the coverage while they are watching American Idol. There is NO SIMPLER PROCESS anywhere. <br /><br />You can put the link on your website and list it as, <i><b>“APPLY FOR LOW COST TERM INSURANCE HERE.” </b></i><br /><br />There are probably dozens of other ways to sell this product and you are only limited by your imagination. <br /><br /><u><b>SIGN UP HERE!</b></u><br />If you would like to market this product, <a href="https://ace.culins.com/TestEZAppoint/Default.aspx" target="_blank">CLICK HERE</a> and complete the online appointment. The online process is quick and easy and you will hear on the appointment within 3-4 days. This product is underwritten by the Manhattan Insurance Group through their Family Life Insurance Company. If you have questions – give me a call. I will be happy to answer them for you.<br /><br />Thank you!<br /><br />Don Boozer<br />DON BOOZER & ASSOCIATES<br />1-800-543-0886</span><br />
<br />Anonymoushttp://www.blogger.com/profile/06015664137778748297noreply@blogger.com0tag:blogger.com,1999:blog-1861577491188746907.post-27023541101073768482014-06-04T11:16:00.000-07:002014-06-04T11:16:01.731-07:00Protective Life agrees to be acquired by Dai-ichi Life<div class="separator" style="clear: both; text-align: center;">
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For more information Transaction Fact Sheet, FAQ's, complete Press Release and company memo, <a href="https://sites.google.com/site/donboozerandassociates/life-insurance-center/protective-life-agrees-to-be-acquired-by-dai-ichi-life" target="_blank">please visit our website!</a><br />
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<br />Anonymoushttp://www.blogger.com/profile/06015664137778748297noreply@blogger.com0tag:blogger.com,1999:blog-1861577491188746907.post-26685677106434637142014-04-04T08:29:00.002-07:002014-04-04T08:29:26.637-07:00What is "Lazy Money"?<span style="font-family: "Trebuchet MS",sans-serif;">I keep seeing the flyers come through my computer that mention the phrase “lazy money.” I have to admit that I have not explored those flyers – but when I see them and they mention ‘lazy money’ I think of anyone who has money in CDs today. The national average paid on CDs today is .23% interest. When I see that interest rate I think that these people might as well have that money in a coffee can in their back yard. <br /><br />For people ages 50 thru 75, we have an EXCELLENT alternative to the CD at the bank. We have single premium life products that are available with a single premium payment. Not only do they provide a TAX FREE death benefit for the heirs, they also offer Long Term Care benefits (Up to 5 times the amount of the deposit) to the client. The best part? Their money offers a much better return than the return they get at the bank. They also never lose control of their asset! Here is a simple sales approach that you can use to sell this product;<br /><br />I call this my “Napkin” idea. There is no better time than now for agents to talk to their clients about our wealth transfer product. Why is that? There is roughly 10 Trillion dollars sitting on the sidelines today. The majority of that is in CD’s and Money Market Accounts. There is a good chance your agents clients have money sitting in a MMA or CD. Currently a 1-Year CD yields at .23%. Talk about opportunity. Some simple questions agents can ask their clients. Possibly even over a napkin. <br /> </span><br />
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<li><span style="font-family: "Trebuchet MS",sans-serif;">Do you have any money sitting in a CD or Money Market Accounts? If yes,</span></li>
<li><span style="font-family: "Trebuchet MS",sans-serif;">Are you happy with your return? (likely answer will be No @ .23%)</span></li>
<li><span style="font-family: "Trebuchet MS",sans-serif;">Do you intend on using or needing that money? If no,</span></li>
<li><span style="font-family: "Trebuchet MS",sans-serif;">If I could show you a way to double your initial deposit in the form of a tax free death benefit and roughly 4 to 5 times your initial deposit for LTC would you be interested? And by the way, should you change your mind or need to access your money after 2 years you can get your money back.(ROP)</span></li>
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<span style="font-family: "Trebuchet MS",sans-serif;"><br />If you have clients who have ‘lazy money’ you owe them the opportunity to consider this product. The chances are that not only are they getting next to nothing for an interest rate – they also don’t have Long Term Care. This is a grand solution to both of those problems!<br /><br />Ask us for an illustration!<br /><br />Thanks<br /><br />Don Boozer<br />Don Boozer & Associates<br />1-800-543-0886</span>Anonymoushttp://www.blogger.com/profile/06015664137778748297noreply@blogger.com0tag:blogger.com,1999:blog-1861577491188746907.post-19909755704267795322014-03-20T10:07:00.000-07:002014-03-20T10:07:23.835-07:00NEW COMPETITIVE WHOLE LIFE PRODUCT!<span style="font-family: "Trebuchet MS",sans-serif;">We get requests for a competitive whole life product from time to time and we have really not had one in a long time. However, that all changed when SBLI introduced their new WHOLE LIFE product. The product is now available on WinFlex for illustrations and they look really good! The product is available in several different variations that lend it to almost any sales scenario. <br /><br /><b>PRODUCT PORTFOLIO</b><br />Continuous Payment<br />Payments to age 65<br />Limited Payment 20 Years<br />Limited Payment 15 Years<br />Limited Payment 10 Years<br />Single Premium Whole Life<br /><br />Issue Ages 0 – 80<br />Minimum Face Amount $25,000<br /><br /><b>DIVIDEND OPTIONS</b><br />Left to Accumulate<br />Reduce Payments<br />Purchase Paid Up Additions<br />Taken in Cash<br /><br /><b>RIDERS</b><br />Accelerated Death Benefit<br />Children’s Term Rider<br />Guaranteed Purchase Option<br />Single Pay Paid Up Additions<br />Flex-Pay Paid Up Additions<br />Waiver of Premium<br />Accidental Death Benefit<br />Level Term Rider<br /><br /><b>WHO IS SBLI?</b><br />Savings Bank Life Insurance Company has been in business for over 100 years and even maintained their “A” rating with A.M. Best through the depression. They currently hold the A+ (Superior) rating. They have an extremely conservative investment portfolio with 91% of their investments in “AAA” rated government securities. SBLI does not issue mortgages, Credit Default Swaps or any other types of guarantees to the mortgage or bond market. <br /><br />You know them as a company that continually offers the lowest term rates in the industry. <br /><br />When you need a whole life product that will beat the competition – give us a call and we will show you how good this product really is.<br /><br />Thank you for your business!<br /><br />Don<br /><b>Don Boozer & Associates<br />1-800-543-0886</b></span>Anonymoushttp://www.blogger.com/profile/06015664137778748297noreply@blogger.com0tag:blogger.com,1999:blog-1861577491188746907.post-54030718886085871382014-03-17T07:41:00.002-07:002014-03-17T07:41:44.892-07:00Happy St. Patrick's Day!<div class="separator" style="clear: both; text-align: center;">
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<br />Anonymoushttp://www.blogger.com/profile/06015664137778748297noreply@blogger.com0tag:blogger.com,1999:blog-1861577491188746907.post-1927313189022417142014-02-26T11:01:00.000-08:002014-02-26T11:01:01.428-08:00A GREAT PRODUCT FOR PARENTS AND GRANDPARENTS!<span style="font-family: "Trebuchet MS",sans-serif;"><br />Occasionally we get a request for a ‘kid’s policy’ for someone’s child or grandchild and the agent is looking for a ‘standalone’ policy in instead of a term rider on the parent’s policy. When we get these requests, we go immediately to the Children’s Whole Life Insurance from United of Omaha. We are particularly fond of this product because;<br /><br />1) Available for ages 14 days to 25 years<br />2) Available in face amounts of $5,000 to $30,000<br />3) Additional policies may be purchased in the future without evidence of insurability<br />4) Level premiums for the life of the policy (matures at age 100)<br />5) Simplified application<br />6) No medical underwriting and limited health questions<br />7) Builds cash values<br />8) Rates NEVER increase with age<br />9) Benefits NEVER decrease<br /><b><br />CONSUMER FRIENDLY!</b></span><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><br />The attached Children’s Whole Life brochure can be handed (or mailed) to a parent or grandparent and they can calculate the rate themselves. The one page application can be completed in a couple of minutes and that makes this product one that you will want to keep on your desk and ready to present.<br /><br /><b>TOP NAME RECOGNITION!</b></span><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><br /><b><i>Mutual of Omaha / United of Omaha has a 97% name recognition</i></b> among your policyowners! Your clients will immediately recognize the name and think of Wild Kingdom. In addition to this product, Mutual of Omaha offers a complete line of universal life and term life products that are very competitive in the marketplace. They also offer some of the best underwriting in the country. <br /><br />Give us a call for marketing material and illustrations - and,thank you for your business!<br /><br />Don Boozer<br />Don Boozer & Associates<br />1-800-543-0886</span>Anonymoushttp://www.blogger.com/profile/06015664137778748297noreply@blogger.com0tag:blogger.com,1999:blog-1861577491188746907.post-31358911660773284012014-02-18T10:00:00.001-08:002014-02-18T10:00:43.295-08:00Products and Markets<span style="font-family: "Trebuchet MS",sans-serif;"><i>In this ever changing environment it is not easy to remember which products are designed for what marketplace. Today I am going to try to simplify this process for the life products offered by Protective Life. </i><br /><br /><b><u>TERM PLANS(?)</u></b></span><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><br />As most of you know, Protective is one of the companies that puts their term plans on a UL chassis. We are told that the reason for this is that the company is able to deliver the product at a cheaper rate than they could on a true term platform. In the case of Protective Life – the term(?) product is called the <span style="color: red;"><i><b>Custom Choice UL</b></i></span>. As advertised, this product will nearly always pop up on the ‘Top 3’ when you are comparing term plans against the competition. Many times – it will pop up in the Number 1 position. This product is guaranteed convertible for the length of the guarantee period of the term not to exceed 20 years and age 70. This product is convertible (exchangeable) to the Advantage Choice UL and the Pro-Classic Universal Life products without evidence of insurability. Issue ages 18-75. The minimum face amount allowed on this product is $100,000. <br /><br /><b>ADDED BENEFIT: </b> This product has an added benefit that I really like. At the end of the ‘guarantee period’ the death benefit reduces and the premium remains the same. On most plans – the death benefit stays the same and the premium multiplies tenfold. The only two companies that we represent that offer this ‘kinder, gentler’ option are Protective and Lincoln National.<br /> </span><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><br /><u><b>LOW COST – NO CASH VALUE UL TO AGE 121</b></u></span><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><br />In this case the product is still the <span style="color: red;"><i><b>Custom Choice UL</b></i></span>. You just illustrate it showing the length of time you want to guarantee the premium. In most cases – unless you ask me to do otherwise, I illustrate this product to age 105. When you need to have the absolute lowest premium on your product – many times THIS is the product. </span><br />
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<span style="font-family: "Trebuchet MS",sans-serif;"> <b><u><br />LOW COST UL – SOME CASE VALUE:</u></b></span><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><br />This product is the <i><b><span style="color: red;">Advantage Choice UL</span></b></i>. Only a slightly higher rate than the Custom Choice and it has moderate cash values. Having cash values offers your client an ‘exit strategy’ that he will not get with the no cash value products. Ben Feldman used to say, “It is better to have cash than not to have cash.” It made sense then and it makes sense now. When you ask me to run a UL illustration for you and when the prospects are 55 or younger – generally I will run THIS product – simply because it is not much more money and it has the exit strategy. The minimum face amount on this product is $50,000 and it is issued between ages 18 and 85.<br /> </span><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><br /><b>NEW AND EXCITING PRODUCT!<br /><u>LOW COST UL WITH LOTS OF CASH VALUE!</u></b></span><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><br />Protective Life has just introduced their <span style="color: red;"><b><i>Indexed Choice UL</i></b></span> product and it is a good one! We have 6 companies that offer an Indexed UL product. As this type of product gains in popularity so do the offerings from the companies. Approximately 40% of all UL sales are indexed products. If you have not been selling IUL because you don’t understand it – this is the product to start with (and possibly to stay with). It is very easy to understand and there are not a lot of ‘moving parts’ to confuse you and your clients. Where this product beats the rest is in the costs and fees associated with it. The insurance costs are lower than the competition – which means that more of the client’s money will be going to fund the cash values!<br /><br /><b><i><span style="color: red;">The only real difference between the fixed UL and the indexed UL is the way the company credits the interest!</span></i></b><br /><br />Today more than ever, your clients are going to need help building their retirement nest-egg. This product is ideal for building a cash fund that can provide a <b>‘tax free income’</b> to your clients when they retire and keep paying it until they die! You may have a client who will not pay $100 per month for life insurance but would willingly put $500 per month into a retirement plan. We can illustrate it for you.<br /><br />If you have a prospect who is self-employed and is earning a nice income, you can help them set up their own supplemental retirement plan that offers them the opportunity to share in the gains in the stock market but offers them a guarantee that their money will NEVER earn less than 1.00%. There is NO DOWNSIDE RISK to them. <br /><br />Call us today and let us run illustrations for you on any of these great products.<br /><br />Thank you for your business.<br /><br />Don Boozer<br />Don Boozer & Associates<br />1-800-543-0886</span>Anonymoushttp://www.blogger.com/profile/06015664137778748297noreply@blogger.com0tag:blogger.com,1999:blog-1861577491188746907.post-4609208587954123972014-02-09T10:25:00.000-08:002014-02-09T10:25:08.930-08:00 Don't just rope the moon, INSURE YOUR LOVE!<div style="text-align: center;">
<span style="font-size: small;"><span style="font-family: "Trebuchet MS",sans-serif;"><b><span style="font-size: large;">Life® Foundation's Insure Your Love campaign is here.</span></b></span><br /><br /><br /></span></div>
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<span style="font-family: "Trebuchet MS",sans-serif;"><span style="font-size: small;">Download agent resources, as well as pre-approved
social media content from the LIFE Foundation (<a href="https://sites.google.com/site/donboozerandassociates/life-insurance-center/insure-your-love" target="_blank">click here)</a> to use throughout
the month of February. </span></span><br /><span style="font-family: "Trebuchet MS",sans-serif;"></span><br /><span style="font-family: "Trebuchet MS",sans-serif;"></span><span style="font-size: small;"><span style="font-family: "Trebuchet MS",sans-serif;">And be sure to share the Insure Your Love consumer Website with your clients. <a href="http://insureyourlove.org/" rel="nofollow" target="_blank">Click here</a>.</span></span></div>
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<span style="font-size: small;"><span style="font-family: "Trebuchet MS",sans-serif;"><span style="font-size: large;"><b><span style="color: #cc0000;">Don't just rope the moon, <u><i>INSURE </i></u>YOUR LOVE!</span></b></span></span></span></div>
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</span>Anonymoushttp://www.blogger.com/profile/06015664137778748297noreply@blogger.com0tag:blogger.com,1999:blog-1861577491188746907.post-25222874676602421242014-02-03T08:40:00.000-08:002014-02-03T08:40:09.991-08:00Lane Boozer, 2014 President NAIFA Texas <div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg03EAnYm_uAth_EHVQL7XMwIOqBDiv563qsxCEX-FL_6EslQHHoTm3V2Nwj8KVuKInLSAs-zmedwmXq06hCeiBUZDVvisql18UMI55unhHmuMx7rqHRzHt64T_FDihL2pHLiGubWpWRTNd/s1600/image001.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg03EAnYm_uAth_EHVQL7XMwIOqBDiv563qsxCEX-FL_6EslQHHoTm3V2Nwj8KVuKInLSAs-zmedwmXq06hCeiBUZDVvisql18UMI55unhHmuMx7rqHRzHt64T_FDihL2pHLiGubWpWRTNd/s1600/image001.jpg" height="320" width="211" /></a></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiP_qYlr_0BWwN343GR9d67wbZ99brVDfH5wo208hwBSdEA6_F03YyQRBp07EUBfwT5TWfA0thMDX_UNznxMykAfDU8Tg6cT9CjrZAWGXfjczXSoPa34jzNeP3LOQPce25MuuRun1v-ThoZ/s1600/image002.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiP_qYlr_0BWwN343GR9d67wbZ99brVDfH5wo208hwBSdEA6_F03YyQRBp07EUBfwT5TWfA0thMDX_UNznxMykAfDU8Tg6cT9CjrZAWGXfjczXSoPa34jzNeP3LOQPce25MuuRun1v-ThoZ/s1600/image002.jpg" /></a> In the 89 year history of NAIFA–Texas, there have only been 3 times where a father and son have both served as president - Lane Boozer (2014) and Don Boozer (1985-86). </div>
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On February 1, 2014, Lane Boozer was installed as the 89th president of
NAIFA-Texas. In a ceremony conducted by the NAIFA-National President
all of the officers were installed for the coming year. When Boozer’s
turn came, the podium was turned over to Don Boozer the 61st president
of the organization. In his remarks, he explained the pride that he had
with the opportunity to install his son as the group’s leader. </div>
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After installing Lane as President, Don retrieved an item from his
pocket. It was a ‘badge’ that he had been given 28 years ago by his son
when Don was installed as the president of what was then known as the
Texas Association of Life Underwriters. </div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjx0fGBJo669xBuqhr59DSYFcQkGWPAQ0Jw9aUzN-2U-p-yf5pYgf4aM1T1jdUASs0ODt1sVs_vs-5hlxjfXDMhzLNaZc8m-9EHfSxfsuaFFZ3NJtfKh2dM1vLKNZmr03lT1JYlsyG_OqGS/s1600/prez.png" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjx0fGBJo669xBuqhr59DSYFcQkGWPAQ0Jw9aUzN-2U-p-yf5pYgf4aM1T1jdUASs0ODt1sVs_vs-5hlxjfXDMhzLNaZc8m-9EHfSxfsuaFFZ3NJtfKh2dM1vLKNZmr03lT1JYlsyG_OqGS/s1600/prez.png" height="236" width="320" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgUnCcbSh5r6JcRJlrgJWpVvWwb22_rGmpvQIe4rtoZuSczE21xy-e-FM0AcdMj-M-jqsJ1pV10rJeZIchnmK0PQ0UtFneJQZmCiPcFvxgmsV8GJvkU1DdUz2cCPnsFwRbazt8nhsoH9qCJ/s1600/prez.png" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a> Lane was attending a scout camp in Philmont New Mexico the summer of the installation while working toward his Eagle Scout designation. He traveled to Texas for the opportunity to celebrate with his father and hand him a badge that read engraved with the word “Prez.” <br /><br />Lane has served on the board of directors for NAIFA Texas, he has held every office of the organization and he has served as the chairman and moderator for the Texas Leaders in Life Insurance program. He is the Marketing Vice President of Don Boozer and Associates. He is also the father of Don’s cherished granddaughter, Addison. <br /> </div>
<br />Anonymoushttp://www.blogger.com/profile/06015664137778748297noreply@blogger.com0tag:blogger.com,1999:blog-1861577491188746907.post-30323957727322377452014-01-30T09:43:00.000-08:002014-01-30T09:43:05.540-08:00Get the Facts - Save the Deal!<b><span style="font-family: "Trebuchet MS",sans-serif;">A GOOD BUSINESS DECISION!</span></b><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><br />Most of us would not make a decision that involved our income without getting all of the facts in advance and acting on the facts that we got. This is just good business practice. However, almost daily, I see situations where an agent has reduced his or her chances of getting paid on a case by as much as 50%. That is bad, but what is worse is that they could do ONE THING differently and prevent that problem. <br /><br />I am referring to the applications that we receive (or quotes that we are asked to run) where we have NO IDEA what the actual health situation is for the prospect. We look at the prospect and they don’t look like they weigh as much as we do – so we interpolate that we could probably get them a preferred risk (or if we aren’t wearing our glasses we might even think they will qualify for a select preferred rate – so we quote it that way and we submit the app).<br /><br /><b>WHAT WE DON’T KNOW:</b></span><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><br />What we don’t know from looking at the prospect is that his father died at age 45 of heart disease. Or we don’t know that her mother died at 50 from breast cancer. We don’t know that he chews tobacco when he mows the lawn or has a cigar when he plays golf. We don’t know that she races motorcycles on the week-ends. We don’t know that he is planning to travel to Iran to visit his relatives in October. We don’t know that he quit cigarettes last November. We don’t know that has asthma and is taking steroids. There is a LOT we can’t tell by looking at our prospects. <br /><br /><b>THE EASY SOLUTION:</b></span><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><br />We have talked about this before – but this is the ONE THING each of us can do to improve our bottom line – immediately. Please stick with me. <br /><br />The solution is simple. When you have determined that the suspect is now a prospect, you say to them, “In order for me to give you and accurate quote, I need to ask you a few questions . . . “</span><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><br />1) Have you ever smoked cigarettes or do you use any tobacco product?<br />2) Have you ever been rated or declined for insurance?<br />3) What is your present height and weight?<br />4) Do You have high blood pressure or cholesterol issues?<br />5) Has any member of your family (parent or sibling) had a history of or died from breast, colon, prostate, ovarian, melanoma or lung cancer? OR have they had heart disease or any cardiac related condition?<br />6) Do you participate in any hazardous activities (sky diving, scuba diving, rock climbing, rodeo, auto or motorcycle racing)?<br />7) Do you plan to travel or reside outside the United States in the near future (you can’t ask this question in Florida)?<br /><br />All of this information is on the “Pre-Qualification Form”. <a href="https://sites.google.com/site/donboozerandassociates/life-insurance-center/get-the-facts" target="_blank">Click here to download</a>. Most of it is in question form – so all you need to do is ask the questions on the sheet. If we run the illustration for you – you can just fax or email the questionnaire to us along with your plan description and we will use that information to give you what we believe to be the proper rate for your client. We are 90% accurate when we have the information. <br /><br />Print off some of these forms and keep them handy. When the time comes – whip one out and dazzle your clients with your efficiency and thirst for the correct answers. <br /><br />Thank you!<br /><br />Don Boozer<br />DON BOOZER & ASSOCIATES<br />1-800-543-0886</span>Anonymoushttp://www.blogger.com/profile/06015664137778748297noreply@blogger.com0tag:blogger.com,1999:blog-1861577491188746907.post-68734518562145559912014-01-14T08:52:00.001-08:002014-01-14T08:52:09.616-08:00What is ROPWOC?<span style="font-family: "Trebuchet MS",sans-serif;"><u><b>Why Not ROP?</b></u></span><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><br />If you will take a look at the attached illustration (<a href="https://sites.google.com/site/donboozerandassociates/what-is-ropwoc" target="_blank">click here</a>) for “ROP Client” you will see a 20 year ROP plan from American General. This is an excellent ROP product and is representative of the marketplace. The client can pay the premium of $4,332.00 per year for 20 years and at the end of that time, cash in the policy for the $86,640 cash value. The client had the coverage for 20 years, didn’t die and got their money back at the end of the 20th year. <br /><br />NOT a bad deal. <u><b></b></u></span><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><u><b><br />WHAT IF HE WOULD LIKE TO KEEP THE COVERAGE? </b></u></span><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><br />However, let’s assume that the client still needs the $300,000 of coverage at the end of the 20 year period – BUT they are uninsurable! They can NOT take the $86,640 and keep the coverage for a $24,741.00 (increasing) annual premium. The premium increases to $41,000 in four years and then it really gets expensive! There is no flexibility in this product – that is the downside. <br /><br /><u><b>WHAT IS ROPWOC?</b></u></span><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><br />ROPWOC (<i><b>Return of Premium With Option to Continue</b></i>) is a product that allows the client to reach the 20 year period and then decide if they would like to take the guaranteed cash value – OR keep the coverage for the same low rate they paid during the first 20 years . . . . guaranteed! This options puts the flexibility back into the product! A simple concept – a simple solution. <br /><br />Take a look at the ROPWOC Client illustration now (<a href="https://sites.google.com/site/donboozerandassociates/what-is-ropwoc" target="_blank">click here</a>). ROPWOC is actually the TransAce product offered by Transamerica Family Markets. The product has a very low premium. It is so low that it is actually less than most ROP Term plans! In a move to beat the ROP plans at their own game, Transamerica designed a plan that has a GUARANTEED return of premium at 15 years, 20 years and 25 years and then gives the client the opportunity to NOT take the cash value but to choose to keep the valuable coverage. <br /><br />Thank you!<br /><br />Don Boozer<br />DON BOOZER & ASSOCIATES</span>Anonymoushttp://www.blogger.com/profile/06015664137778748297noreply@blogger.com0tag:blogger.com,1999:blog-1861577491188746907.post-17103620112201797752014-01-13T10:15:00.001-08:002014-01-13T10:15:22.665-08:002014 Tax Facts At A Glance<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgoNrC4BxUOyX8rezo7uKLOY5NKi2XRiN3KddxzAM2fdzlUfytXoz9BRz4obttOZDCkKLyAM9we8idGoCLYXViu2M4Fm5OCAjwJocD_bWR97-1Gn-OCielR__NX2Ze7vIUsrmJtct-hj5lS/s1600/Screen+Shot+2014-01-03+at+11.29.41+AM.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgoNrC4BxUOyX8rezo7uKLOY5NKi2XRiN3KddxzAM2fdzlUfytXoz9BRz4obttOZDCkKLyAM9we8idGoCLYXViu2M4Fm5OCAjwJocD_bWR97-1Gn-OCielR__NX2Ze7vIUsrmJtct-hj5lS/s640/Screen+Shot+2014-01-03+at+11.29.41+AM.png" width="492" /></a></div>
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<span style="font-size: large;"><span style="font-family: "Trebuchet MS",sans-serif;">Download your <a href="https://sites.google.com/site/donboozerandassociates/Agent-Resource-Center/2014-tax-facts-at-a-glance" target="_blank">FREE</a> copy today!</span></span></div>
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<span style="font-size: large;"><span style="font-family: "Trebuchet MS",sans-serif;"><a href="http://donboozer.com/" target="_blank">donboozer.com</a></span></span></div>
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<span style="font-size: large;"><span style="font-family: "Trebuchet MS",sans-serif;">800-543-0886</span></span></div>
Anonymoushttp://www.blogger.com/profile/06015664137778748297noreply@blogger.com0tag:blogger.com,1999:blog-1861577491188746907.post-4706244167959723432013-12-30T13:35:00.000-08:002013-12-30T13:35:26.776-08:00Arnold-Chiari malformation<div style="text-align: justify;">
<span style="font-family: "Trebuchet MS",sans-serif;">Have you ever wondered how an underwriter would look at Arnold Chiari malformation? Never? Fair enough – neither have I. <br /><br />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, <i><b>the first thing you should do is call our office</b></i> 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.<br /><br />90% CORRECT!</span></div>
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<span style="font-family: "Trebuchet MS",sans-serif;"><br />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 <i><b>we are right 90% of the time</b></i> 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. <i><b>Generally we can deliver an informed answer to you in 30 minutes or less!</b></i><br /><br />UNDERWRITING 101</span></div>
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<span style="font-family: "Trebuchet MS",sans-serif;"><br />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.<br /><br />WE CAN HELP YOU WITH YOUR HARD TO UNDERWRITE CASES!</span></div>
<span style="font-family: "Trebuchet MS",sans-serif;"></span><br /><span style="font-family: "Trebuchet MS",sans-serif;">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. <i><b>When the situation arises – call us first! </b></i> We will work hand in hand with you to find a home for the case you worked so hard to get. </span><br /><span style="font-family: "Trebuchet MS",sans-serif;"> </span><br /><span style="font-family: "Trebuchet MS",sans-serif;">Thank you!</span><br /><span style="font-family: "Trebuchet MS",sans-serif;"></span><br /><span style="font-family: "Trebuchet MS",sans-serif;">Don Boozer</span><br /><span style="font-family: "Trebuchet MS",sans-serif;">DON BOOZER & ASSOCIATES</span><br /><span style="font-family: "Trebuchet MS",sans-serif;">1-800-543-0886</span><br />Anonymoushttp://www.blogger.com/profile/06015664137778748297noreply@blogger.com0tag:blogger.com,1999:blog-1861577491188746907.post-58420312983358509092013-12-13T07:36:00.002-08:002013-12-13T07:36:40.501-08:00UL With GUARANTEED Cash Value?<div style="text-align: justify;">
<span style="font-family: "Trebuchet MS",sans-serif;">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.<br /><br /><i><b>ANOTHER FORM OF TERM INSURANCE:</b></i></span></div>
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<span style="font-family: "Trebuchet MS",sans-serif;"><br />Today is one of those times. There are a lot of companies that offer an excellent <i>(fairly priced)</i> universal life product with <u>guaranteed death benefits</u> and <u>premiums that are guaranteed never to increase.</u> Generally these products have <b>two different formats</b>; One has <u><i>NO cash value</i></u> 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.’ <br /><br /><i><b>CASH OR NO CASH – WHAT IS THE COST?</b></i></span></div>
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<span style="font-family: "Trebuchet MS",sans-serif;"><br />In the case of Protective Life, the <u>Custom Choice</u> is the ‘term to age 100.’ It is the product with <i>no cash value</i>. It is generally as competitive as any product in the market. The <u>Advantage Choice</u> is the product that has some cash values. I like this product because with the <i>cash values</i> – 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, <i><b>sometimes the Advantage Choice product is cheaper than the Custom Choice product</b></i>. 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 <u>Advantage Choice</u> when you are looking at Protective’ s UL products.<br /><br /><i><b>A GOOD PRODUCT GETS BETTER:</b></i></span></div>
<span style="font-family: "Trebuchet MS",sans-serif;"></span><br /><span style="font-family: "Trebuchet MS",sans-serif;">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 <u><b>American General Secure Lifetime UL</b></u>. This product offers the <u>guaranteed death benefit</u>, the guaranteed premium AND a <u><b>guaranteed cash value</b></u>! The product is competitively priced with the other <i>‘some cash value’</i> products. Keep this feature in mind – there may be a case where this benefit will save the sale for you.</span><br /><span style="font-family: "Trebuchet MS",sans-serif;"></span><span style="font-family: "Trebuchet MS",sans-serif;"><br />Thank you for your business!<br /><br />Don Boozer<br />DON BOOZER & ASSOCIATES<br />1-800-543-0886</span>Anonymoushttp://www.blogger.com/profile/06015664137778748297noreply@blogger.com0tag:blogger.com,1999:blog-1861577491188746907.post-72766131473702672432013-12-09T20:13:00.000-08:002013-12-09T20:13:09.223-08:00Term Rates Up To 20% LOWER than the LOWEST Published Rate!<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjaPcAFDo1i0qo2jFdPKo-H-keDqYUOf1ncDNbxORy5VJKseifXi_KXmSVc3VOJC4pV_cq34BWKAQ25rT233jZFjOew2qp_1aTldAK6C2jdTTiymLvo-nTY47wzsQBwRSPeMFUAI9vCjD6e/s1600/Screen+Shot+2013-12-09+at+7.59.47+PM.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjaPcAFDo1i0qo2jFdPKo-H-keDqYUOf1ncDNbxORy5VJKseifXi_KXmSVc3VOJC4pV_cq34BWKAQ25rT233jZFjOew2qp_1aTldAK6C2jdTTiymLvo-nTY47wzsQBwRSPeMFUAI9vCjD6e/s320/Screen+Shot+2013-12-09+at+7.59.47+PM.png" width="281" /></a></div>
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<span style="font-family: "Trebuchet MS",sans-serif;">WE HAVE THE ADVANTAGE!</span></div>
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<span style="font-family: "Trebuchet MS",sans-serif;"><br />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. </span></div>
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<span style="font-family: "Trebuchet MS",sans-serif;">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!<br /><br /><br />Don Boozer<br />DON BOOZER & ASSOCIATES<br />1-800-543-0886</span></div>
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Anonymoushttp://www.blogger.com/profile/06015664137778748297noreply@blogger.com0tag:blogger.com,1999:blog-1861577491188746907.post-46263240481269596232013-12-05T10:28:00.001-08:002013-12-05T10:28:57.481-08:00It is E&O Renewal Season!<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgkuLn0y833Brt5H-lvt9RRh3xR4tsBKTzB0Y1fUD_W1t1QvFjBhJsYLEncGnc9rot5JVhqVBU6ECbm3_gsLyW1e7u9sPr6cOIACZbaOejHFDQiN5DQdWcCNo29jKZdhKmq53I7kxnGeY2E/s1600/Screen+Shot+2013-12-05+at+11.21.48+AM.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgkuLn0y833Brt5H-lvt9RRh3xR4tsBKTzB0Y1fUD_W1t1QvFjBhJsYLEncGnc9rot5JVhqVBU6ECbm3_gsLyW1e7u9sPr6cOIACZbaOejHFDQiN5DQdWcCNo29jKZdhKmq53I7kxnGeY2E/s400/Screen+Shot+2013-12-05+at+11.21.48+AM.png" width="355" /></a></div>
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<b><span style="font-family: "Trebuchet MS",sans-serif;"></span></b><span style="font-family: "Trebuchet MS",sans-serif;"> 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. </span></div>
<div style="text-align: justify;">
<span style="font-family: "Trebuchet MS",sans-serif;"><br /><span style="font-size: large;"><b>$1 Million Per Claim – As Low as $435!</b></span></span><span style="font-family: "Trebuchet MS",sans-serif;"></span></div>
<div style="text-align: justify;">
<span style="font-family: "Trebuchet MS",sans-serif;"><br />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!<br /><br />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. <br /><br /><span style="font-size: large;"><b>Fast – Easy-to-Obtain Coverage!</b></span></span></div>
<div style="text-align: justify;">
<span style="font-family: "Trebuchet MS",sans-serif;"><br /><span style="font-size: small;"><span style="color: #990000;"><b>You can apply online on our <i><a href="https://sites.google.com/site/donboozerandassociates/Agent-Resource-Center/e-o-insurance-program" target="_blank">website</a>.</i></b></span></span>
There is a simple one-page enrollment form; no multi-page application
required! You can print off your certificate immediately after your
enrollment. </span></div>
<div style="text-align: justify;">
<span style="font-family: "Trebuchet MS",sans-serif;"><br /><br />When You Receive Your E&O Renewal Notice – GO SHOPPING!<span style="color: red;"><b> <span style="color: #990000;">You can see a complete breakdown of coverage and costs<i> <a href="https://app.box.com/s/rmlepy0ze0w85w4bpmqq" target="_blank">HERE</a></i>. </span></b></span></span></div>
<span style="font-family: "Trebuchet MS",sans-serif;"><br /><br />Thank you!<br /><br />Don Boozer<br />DON BOOZER & ASSOCIATES<br />1-800-543-0886</span>Anonymoushttp://www.blogger.com/profile/06015664137778748297noreply@blogger.com0tag:blogger.com,1999:blog-1861577491188746907.post-13123841367100851972013-12-03T08:39:00.000-08:002013-12-03T08:39:02.116-08:00Why not the BEST?<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi91ybtHu5cRSxtA3tlJRU-O5SWLcyKGycaBefYmeW2J7PZKC2uDKhYRyEKE2K1bBfDPit3Zj2TWRuOMiaYC6xr7yhrpwachYIZgyelUz6y-376R7AQWDyEGt1fIyfVfYLoAXqLbipWlEP1/s1600/Screen+Shot+2013-12-03+at+9.22.01+AM.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi91ybtHu5cRSxtA3tlJRU-O5SWLcyKGycaBefYmeW2J7PZKC2uDKhYRyEKE2K1bBfDPit3Zj2TWRuOMiaYC6xr7yhrpwachYIZgyelUz6y-376R7AQWDyEGt1fIyfVfYLoAXqLbipWlEP1/s1600/Screen+Shot+2013-12-03+at+9.22.01+AM.png" /></a></div>
<br />Anonymoushttp://www.blogger.com/profile/06015664137778748297noreply@blogger.com0tag:blogger.com,1999:blog-1861577491188746907.post-15884149983646380502013-11-27T14:36:00.002-08:002013-11-27T14:36:43.112-08:00Happy Thanksgiving!<div style="text-align: center;">
<span style="font-size: large;"><span style="font-family: "Trebuchet MS",sans-serif;">Happy Thanksgiving to You and Your Family!</span></span></div>
<div style="text-align: center;">
<span style="font-size: large;"><span style="font-family: "Trebuchet MS",sans-serif;"><br />As you Celebrate This Holiday<br />Please Take a Moment to Remember<br />Our Troops On The Other Side of the World<br />Who Are Protecting Our Freedom</span></span></div>
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Anonymoushttp://www.blogger.com/profile/06015664137778748297noreply@blogger.com0tag:blogger.com,1999:blog-1861577491188746907.post-4626887532636306892013-11-24T19:27:00.003-08:002013-11-24T19:27:44.731-08:00Tis The Season!<b><span style="font-family: "Trebuchet MS",sans-serif;">It is E&O Renewal Season!</span></b><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><br />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. <br /><br /><b>$1 Million Per Claim – As Low as $435!</b></span><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><br />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!<br /><br />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. <br /><br /><b>Fast – Easy-to-Obtain Coverage!</b></span><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><br />You can make application online at our <i><b><a href="https://sites.google.com/site/donboozerandassociates/Agent-Resource-Center/e-o-insurance-program" target="_blank">website</a>.</b></i> There is a simple one-page enrollment form; no multi-page application required! You can print off your certificate immediately after your enrollment. <br /><br />When You Receive Your E&O Renewal Notice – GO SHOPPING!<br />You can see a complete breakdown of coverage and costs<i><b> <a href="https://app.box.com/s/rmlepy0ze0w85w4bpmqq" target="_blank">HERE</a></b></i>. <br /><br />Thank you!<br /><br />Don Boozer<br />DON BOOZER & ASSOCIATES<br />1-800-543-0886</span>Anonymoushttp://www.blogger.com/profile/06015664137778748297noreply@blogger.com0tag:blogger.com,1999:blog-1861577491188746907.post-75518783166403805572013-11-22T10:02:00.003-08:002013-11-22T10:02:58.658-08:00“Sell the sizzle – not the steak.” An excellent LTC alternative!<span style="font-family: "Trebuchet MS",sans-serif;">If you have been the business of selling long enough, you have heard the expression, “Sell the sizzle – not the steak.” If you have ever been to a good steak restaurant you fully understand the statement. Your hear the sizzle and your mouth waters. However, selling steaks to hungry people is pretty easy. On the other hand, selling a non-tangible product that’s benefit will never be seen during a person’s lifetime is another matter indeed. <br /><br />People are living longer today than they were even 20 years ago. With that longevity comes another set of problems. Now you are trying to sell a product to someone that might not pay out for 40 or more years. However during that 40 years, the insured faces another potential financially crippling situation. As a person ages, the time will come when most people will need some help in completing their daily activities. In fact, the statistics say that 70% of your clients will need help as they get older. That assistance can be in-home care or care in an inpatient facility – but they will need assistance. The question is – who will pay for it and where will they get the money?<br /><br />THIS IS WHERE THE SIZZLE COMES IN!</span><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><br />Protective Life has a product that not only offers a death benefit . . . but offers the added benefit of being able to use the death benefit before you die! The ExtendCare Rider can be added to the Protective Custom Choice UL or the Protective Advantage Choice UL. This rider is basically a ‘chronic illness rider’ that is triggered when a person is no longer able to perform any two of their normal activities of daily living (bathing, toileting, eating, dressing, transferring and continence). At that occurrence, the insured will be able to access their death benefit and receive up to $9600 per month to aid them in their upkeep – or for any other reason. This is SIZZLE. This product pays if you live or if you die and is an <u><i><b>excellent LTC alternative</b></i></u>. <br /><br />You have clients that can’t picture themselves dead, but they can picture themselves dependent on their family and friends. This is the product that will make them sit up and take notice. <br /><br />ILLUSTRATION AND FAQ SHEETS provided upon request!</span><br />
<br />
<span style="font-family: "Trebuchet MS",sans-serif;">If you would like us to run some illustrations for you – let us know. We will try to get them to you within 30 minutes of the time you ask. This is the product that you have been looking for to use with the guy that doesn’t think he is going to die – but understands that he is not getting any younger. <br /><br />Thank you!<br /><br />Don Boozer<br />DON BOOZER & ASSOCIATES<br />1-800-543-0886</span>Anonymoushttp://www.blogger.com/profile/06015664137778748297noreply@blogger.com0tag:blogger.com,1999:blog-1861577491188746907.post-14361998412695516952013-11-20T12:51:00.000-08:002013-11-20T12:51:17.463-08:00Kick Butt UL Product<span style="font-family: "Trebuchet MS",sans-serif;">THE NUMBER 1 UL – SERIOUSLY?</span><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><br />You see us advertising the Number 1 UL Product from time to time. We are promoting what we believe to be the across the board – most competitive UL product (based on lifetime rate guarantees). This product is not offered by a company that you normally encounter. However, the company is a very large – very strong company. The company has the strongest financials in the industry . . . better than ANY other company. In the words of one of my old time agents from Oklahoma, they are “Cleaner than a Safeway Chicken.”<br /><br />In addition, this excellent product is available for a NO UNDERWRITING exchange or conversion for term or UL products issued since November 20, 2008 (there is a list of acceptable companies – but most name brand companies are on the list). If you are not replacing a product issued in the past 5 years or if you are writing a new product, this excellent product could be the one to beat the competition and get YOU the case!<br /><br />A BETTER CHRONIC ILLNESS RIDER</span><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><br />These days there are a lot of companies that offer a “chronic illness rider” and all of them are good. However, unlike all of the other chronic illness riders, this one does NOT require that the symptoms do NOT have to be permanent for the benefit to be paid. PLUS – this chronic illness rider is approved for sale in Florida and California! That is a BIG deal if you live in one of those states. <br /><br />LOAN RESCUE PROGRAM</span><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><br />This product also offers a loan rescue program. If you have a policy inforce with an outstanding loan that is killing it. THIS product will allow you to move the loan to the new policy. Many times – this will SAVE the policy. <br /><br />HOW COMPETITIVE IS IT?</span><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><br />We have an agent whose client has an American General Policy that is cratering. The woman is 71 years old and a preferred non tobacco user. We quoted 3 companies for her. Here are the numbers – and these are not unusual;<br /><br />Protective Life $218.41 per month<br />North American $202.44 per month<br />Symetra $158.00 per month<br /><br />Because there is limited distribution for the Symetra product (we are one of the few agencies who have it), you can be the first agent in your area to sell this great product. Another benefit of this product is that the application is MUCH shorter than most companies (usually 10-12 pages). Call us and let us illustrate this product for you. We will both be glad that you did.<br /><br />Thank you!<br /><br />Don Boozer<br />DON BOOZER & ASSOCIATES<br />1-800-543-0886</span>Anonymoushttp://www.blogger.com/profile/06015664137778748297noreply@blogger.com0tag:blogger.com,1999:blog-1861577491188746907.post-28793363837164193722013-11-17T14:12:00.000-08:002013-11-17T14:12:14.639-08:00Find More Customers<span style="font-family: "Trebuchet MS",sans-serif;">EMAIL FLYERS ARE EASY TO SEND AND ECONOMICAL!</span><br />
<br />
<span style="font-family: "Trebuchet MS",sans-serif;">Email flyers are our way of keeping in touch and showing you the latest product or concept offering. We switched from Constant Contact to Contact Marketing Pro a few years ago when a friend of ours brought the product to the market. In the years that followed, we have worked closely with them to tweak the system and make it even more usable for our purposes. The product is designed especially for people who are in my business. </span><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><br />A couple of years ago we asked for a system that we could provide for our agents that will help them reach out to prospects in their geographical area with the intent of promoting their business. I am happy to say that the product is now available and you can access it through our website. <a href="https://sites.google.com/site/donboozerandassociates/Agent-Resource-Center/customer-finder" target="_blank">CLICK HERE</a> and take a look. We are offering a free month of service on Customer Finder for those agents who would like to take it for a test drive. <br /><br />35 MILLION CONSUMER PROSPECTS<br />8 MILLION BUSINESS PROSPECTS</span><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><br />The system will allow you to go into the consumer database and carve out a list of prospects in your neighborhood and send up to 1000 email flyers in the first month. You can filter the prospects by income, home ownership, occupation, gender, smoker / nonsmoker, etc. You can absolutely refine your list to those people who are your target market!<br /><br />Call us for your free promo code. Once inside you will find a complete system for finding prospects and marketing directly to them on an easy and inexpensive basis. You will find templates for life and health insurance that you can customize to suit your needs or we can help you design your own flyers. Either way – you have a system that will get you in front of new prospects. <br /><br />TAKE A LOOK. </span><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><br />You have nothing to lose and everything to gain.<br /><br />Thank you!<br /><br />Don Boozer<br />DON BOOZER & ASSOCIATES<br />1-800-543-0886</span><br />
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<br />Anonymoushttp://www.blogger.com/profile/06015664137778748297noreply@blogger.comtag:blogger.com,1999:blog-1861577491188746907.post-76236785455757199542013-10-16T09:02:00.000-07:002013-10-16T09:02:22.491-07:00THIS INFO CAN SAVE CASES FOR YOU!<span style="font-family: "Trebuchet MS",sans-serif;"><br />Any time you find a system or product or concept that can save cases for you – you should commit it to memory! This is one of those situations. <br /><br />United of Omaha offers “FIT” credits on both their UL and their term products! There are other companies that will offer a ‘table shave’ program for UL products but I believe that UOO is the only one that offers an option for term plans. While UOO goes to a lot of trouble to say that this is not a ‘table shave’ program, the end result is hard to tell from an actual table shave program.<br /><br /><b>HERE IS HOW IT WORKS</b></span><br />
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<span style="font-family: "Trebuchet MS",sans-serif;">If you have a client that we know will be rated up to a table 4, this option can help them! Basically – after the underwriting has been done, UOO will use the lifestyle credits to credit down the extra rating. There are both medical credits and lifestyle credits that can be applied. If the client has 3 of these credits it will improve the rate ONE table. If they have 5 of the credits – it will improve the rate TWO tables. The benefit is available between ages 18 and 75 and in face amounts of $250,000 to $2,000,000. <br /><br /><b>FILL IT OUT – SEND IT WITH THE APP!</b></span><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><br />The FIT form is simple and easy to complete AND it does not require the client’s signature. When you take the app, complete the form and send it with the application – every time. It is good information to give to an underwriter. If the underwriter has the information and there is a judgment call – this information could tip the scale in your favor!<br /><br /><b>TABLE 2 TO STANDARD!</b></span><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><br />This is the help you will need when you get your next case with a minor rating. Call today and we will send you the FIT form and assist with illustrations and questions!<br /><br />Thank you!<br /><br />Don Boozer<br />DON BOOZER & ASSOCIATES</span><br />
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<span style="font-size: large;"><span style="font-family: "Trebuchet MS",sans-serif;"><b>1-800-543-0886</b></span></span></h4>
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<br />Anonymoushttp://www.blogger.com/profile/06015664137778748297noreply@blogger.com0tag:blogger.com,1999:blog-1861577491188746907.post-64880994799476776772013-09-26T12:23:00.000-07:002013-09-26T12:23:11.293-07:00Finish This Phrase . . . <span style="font-family: "Trebuchet MS",sans-serif;">A PICTURE IS WORTH . . .</span><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><br />We have heard it all of our lives – and we know that it is true. Ours is a visual society and is becoming more visual every day. The experts in this field tell us that we need to make our message appealing to the eye. Our message should grab the imagination. The giant advertising companies make fortunes building ‘brands’ for their customers. The commercials and advertisements that they display are colorful to the eye and offer phrases that will catch the buyer and lead him to the product. <br /> </span><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><br />HOW CAN WE CREATE THAT IMAGE FOR OUR BUSINESS?</span><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><br />The least expensive and most effective method available to us today is the internet. Even there are hundreds (if not thousands) of companies trying to get business from our clients – statistics show that OUR customer would rather shop with US. Our challenge is to make our product available to these prospects on a regular basis (repetition is the key). We offer a free account with <i><b><a href="https://sites.google.com/site/donboozerandassociates/Agent-Resource-Center/FREE-CMP-Account" target="_blank">Contact Marketing Pro</a> </b></i>on our website. This is the same system that we use to contact you weekly to make you aware of our products and services. <br /> </span><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><br />IF A PICTURE IS WORTH 1000 WORDS?</span><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><br />What is a video worth? You may not know that we offer <i><b><a href="https://sites.google.com/site/donboozerandassociates/Agent-Resource-Center/video-library" target="_blank">a complete library of videos</a></b></i> for your use that are designed to help you get your message across to prospects who will only give you a few minutes. OR to clients that need to upgrade their life insurance program. These videos cover many different markets (Mortgage Insurance, Disability Income, Final Expense, Low Cost Term, 401k, IRA and much more). <br />All you need to do to send one of these videos to a prospect is to insert the link from our website into your newsletter, email or advertisement. <br /><br />(Example: “Your home is not only your biggest investment, it is the center of your family life. What would happen if you were killed? <i><b><a href="http://www.webprez.com/5998/34" target="_blank">Would your family be able to stay in their own world?</a></b></i>) Please take a look at this video. I will call you in a few days to discuss it with you.”<br /> </span><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><br />IDEAS ARE A DIME A DOZEN BUT THE PEOPLE WHO USE THEM ARE PRICELESS!</span><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><br />The uses of these videos is limited only by your imagination and your initiative. Take a few minutes to construct an email to a half dozen of your best clients and attach a video with a request that they watch it and discuss it with you – then follow up with a phone call. I predict that you will generate many new sales. Give it a try this week.<br /> </span><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><br />Thank you!<br /><br />Don Boozer<br />DON BOOZER & ASSOCIATES<br />1-800-543-0886<br /><br />www.donboozer.com</span><br /><br />
<br />Anonymoushttp://www.blogger.com/profile/06015664137778748297noreply@blogger.com0tag:blogger.com,1999:blog-1861577491188746907.post-35929900158804724032013-07-31T12:05:00.001-07:002013-07-31T12:05:18.386-07:00Impaired Risk SPIA<span style="font-family: "Trebuchet MS",sans-serif;"><br />If your client is interested in lifetime annuity benefits and expresses an interest in the possibility of an Impaired Risk quote, let me know and I will walk you through the process, beginning with our quoting standard rates, and then allowing our underwriters to review your client’s medical records to determine their eligibility. Thereafter, a final quote will be provided.<br /><br />WHAT IS AN "IMPAIRED RISK" SPIA?</span><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><br />Immediate annuities provide benefit payments over a period of time, often a stream of payments guaranteed to last for a client’s lifetime. The cost of the annuity is partially determined on the life expectancy of the annuitant. For example, if two men, one aged 70 and the other aged 55, both purchase lifetime immediate annuities costing $500,000, the younger one will receive smaller monthly benefits because he is expected to live longer than the 70 year-old.<br /><br />Suppose the younger client has a medical condition, such as heart disease, diabetes or cancer, with the probable outcome of a shortened life expectancy. Upon the request of the client, we can perform an underwriting review of the records and determine an adjusted life expectancy based on his condition. The lower life expectancy (an “Impaired Risk”) will reduce the cost of lifetime annuity benefits and produce larger annuity<br />benefit payments.<br /><br />An example for a man age 65; If he is healthy his lifetime income would be $748 per month on a $100,000 annuity. If that same person has heart disease or Parkinson’s or Kidney Disease his lifetime payout could increase to $902 per month. <br /><br />HOW IS AN "IMPAIRED RISK" SPIA DIFFERENT FROM SUBSTANDARD LIFE INSURANCE?</span><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><br />With medical underwriting for life insurance, the insurance company reviews medical records and may request a physical exam or lab tests to determine if the proposed insured has an impaired life expectancy. This allows pricing to reflect the increased claims expenses anticipated for certain medical conditions. The company can increase the cost of the insurance in order to match the increased risk in anticipated claims.<br /><br />With a SPIA, the opposite is true. It is in the client’s best interest to share as much information as possible in order to help the insurance company determine an adjusted life expectancy, because it will result in a decreased cost of the annuity benefits with resulting higher benefit payments. The company makes its determination based only on submitted medical records; there are no physicals or lab tests for the client to undergo.<br /><br />CONDITIONS THAT COULD INCREASE THE PAYOUT:</span><br />
<span style="font-family: "Trebuchet MS",sans-serif;"><br />Conditions which merit review include heart disease, diabetes, cancer, chronic lung disease, stroke, and chronic conditions affecting kidney, pancreas, or liver functions. Some medical conditions have little or no negative effect on life expectancy. Examples include arthritis, allergies, or hearing difficulties.</span><br />
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<span style="font-family: "Trebuchet MS",sans-serif;">Allow us the opportunity to help you. We will both be happy you did. <br /><br /><br /></span> <span style="font-family: "Trebuchet MS",sans-serif;"><span style="font-size: medium;"><b>One phone call - hundreds of options! <br /><br /> We'll do the research for you! </b></span><span style="font-size: medium;"><b> <br /><br /> 800-543-0886</b></span></span>Anonymoushttp://www.blogger.com/profile/06015664137778748297noreply@blogger.com0