It's our Responsibility!

More than flowers when they need it most

Have you ever had a client walk into your office to file a claim on their loved one's Life Insurance – only there wasn’t any in place?

This may well be every Insurance Agents' worst nightmare. 

As Insurance Professionals, we help our clients insure against loss so why not help them protect their families against the loss of THE greatest asset they have – their lives. 

There really are no good excuses for not offering Life Insurance to every client.

Which of these statements would most comfort a grieving spouse?

• "I’m sorry, there just never was a good time to sit down and apply for coverage."
• "I’m sorry, it never came up."
• "I’m sorry, we didn’t get to it, everything else seemed so much more important."
• "I’m sorry; eating out one less time a month in order to budget in a Life Insurance premium just wasn’t appealing."
• "I’m sorry, I didn’t do my job."
• "I'm sorry for your loss, we'll have this processed right away and provide you with the funds to help you and your family through this difficult time" 

We all understand not every case is cut and dry, but that doesn’t mean don’t try!

And, of course no one expects every agent to know every product and every underwriting guide – and that’s why we are here to help. 

Your function is to ask the questions, get the conversation started, _____________, then present the options.

We fill in the blank!

With one call to our office, we will research all of the options with our 30 + carriers for you to be sure you are able to maximize every dollar for every client, every time! 

If there is a need, chances are we have a way to fill it – and that makes starting the conversation even easier.

Ask the questions, start the conversation, then give us a call. 

Not sure what questions to ask, ask us – we will be happy to provide you with a guideline to use with every client. 

Not sure what coverage options are available, give us a call, we’re here to help.

Bottom line is, if you don’t ask, the answer is always no – and “no” just isn’t good enough for a grieving family.

Call us any time – we make “LIFE” easier!

800-543-0886

Visit our website for all of your Life Insurance needs. Click here

Phoenix Launches New Annuity Product - and yes it does Keep Getting Better!

The Phoenix Personal Income Annuity has been a big hit with our agents and their clients since its release...and just when you thought it couldn't get any better, it does!

Say hello to the Phoenix Personal Protection Choice Annuity! Released just yesterday, this product promises to deliver in all the areas a client most values. Adding to the already popular and competitive Income Riders, this annuity includes an Enhanced Death Benefit and an Enhanced Care Benefit.

To sum it up:

Multiple Needs - Single Solution

Secure Lifetime Income - Protect Family - Plan for Extended Care

Income Protection

Guaranteed Lifetime Income with an Income Bonus of up to 45%

Provides an additional 3% simple interest roll-up years 3-10 or until rider is exercised

Guaranteed Lifetime Income with a 14% simple interest roll-up for the first 10 years or until rider is exercised

Income Roll-Up Restart

Option to restart a new 10 year roll-up period if rider has not been exercised

Care Protection

Guaranteed Enhanced Benefit for care up to 250% of GLWB

paid for up to 5 years if confined to a nursing home and/or unable to perform 2 of 6 ADL’s

Family Protection

Enhanced Death Benefit with max benefit 250% of premium less withdrawals

Enhanced Flexibility

RMD Friendly

10% Free Withdrawals that will not trigger rider

For more detailed information and state availability, marketing material and illustrations, call today!

Ingrid Huddleston

VP Annuity Sales and Marketing

Don Boozer and Associates

866-777-1881

Some Gave All

OUR OFFICE WILL BE CLOSED MONDAY MAY 28TH, 2012 IN HONOR OF OUR FALLEN WARRIORS Our staff will be spending the day with our friends and family.  We hope that you will have a safe and enjoyable MEMORIAL DAY.   Freedom is never more than one generation away from extinction. We didn’t pass it to our children in the bloodstream. It must be fought for, protected, and handed on for them to do the same.  - RONALD REAGAN

THE TRUE MEANING OF MEMORIAL DAY

2 Ugly 2 B A Hooker

Former Drug Addict - Standard!

Male Age 61 - Non Tobacco
Former Head Football Coach
5' 11" 256 Pounds
Former Drug Addict
Former Alcoholic

A former pillar of society, our client got swept into the world of drugs and lost his family and his business before he hit bottom.  He reached his turning point when he had his throat cut in a drug deal gone bad.  After this brush with death he decided to make changes in his life.  On the road to sobriety, he met a good woman, cleaned up his life and became a productive member of society again.  He is 6 years sober.

He Applied for $1 Million UL
We Issued STANDARD

LET US HELP WITH YOUR RATED CASES

800-543-0886 

Or Click Here

Life's A Niche!

When you have a client with a particular need, you need more than just a quote, you need a solution. A solution that when presented is exactly what they need.

We offer solutions, and solutions are designed based on each case. The perfect solution comes from extensive knowledge and research - and that's where we come in.

When we provide you with illustrations you can feel confident that it is the solution your client is looking for.

Our illustrations are backed by industry knowledge and experience - we are here to assist you in writing more business.

And, it's not just about the illustration, getting each case issued is equally important - we are here to help with the application process all the way through policy issue to ensure you get paid.

So, when you call us, you can be confident you are getting ALL of the support you need to write your next case. 

 

Call today and learn how we can help you help your customers!

• Easy 10-minute life app, in person or over the phone
• 170% commission products
• Table 4 to Standard, no exam
• PREFERRED RATES FOR PRIVATE PILOTS
• NON SMOKER RATES for Chewers, Dippers, Cigars, Pipes - even if insured tests positive for nicotine
• Coverage that requires no medical exam, NO blood NO Urine
• Lowest Cigarette Smoker Rates
• Final Expense Plans
• Group Benefits
• Guarantee Issue Plans
• Coverage for Diabetics
• Preferred rates for sleep apnea
• Coronary Artery Disease
• Height and Weight: generous build charts
• Senior Underwriting: liberal guidelines for blood pressure, cholesterol and build
• Non-med 66 and older, any face amount
• Competitive Juvenile Plans
• Preferred rates for Foreign Travel
• Mild Asthma clients may be eligible for Preferred
• Preferred rates for cholesterol or hypertension
• Blood Pressure control credit treated or untreated of 130/80 or better
• Preferred rates for occasional scuba divers

 

800-543-0886

GENWORTH BACKS DOWN!

With this week’s announcement from Genworth that they will be dropping their 30 year term and increasing the rates on their 10 and 20 year term, Protective Life is emerging as the new low-cost leader in the term market. We run literally dozens of term illustrations every day and in most cases Protective proves to be the choice of the agent.


In addition to the competitive price, there are other less-obvious reasons to choose Protective;


1) NO POLICY FEE. Every dime of the premium is commissionable!

2) NO MONTHLY BANK DRAFT FEE. If you write most of your cases on a monthly bank draft – THESE RATES are usually the best.

3) FULLY CONVERTIBLE PRODUCTS. Convertible to age 70 (or the guaranteed period of the policy – maximum 21 years - whichever comes first).

4) SIXTY-ONE DAY GRACE PERIOD. Remember – this product is actually on a UL chassis.

5) ONE PAGE APPLICATIONS PROCESS. The TeleLife system provides two different platforms for submitting your new business (either the on-line version or the famous ONE PAGE paper version).

6) VERY COMPETITIVE UNDERWRITING. Protective utilizes a unique system that allow the underwriter to pick the most liberal interpretation from two different reinsurance manuals. They are very competitive in the ‘slightly impaired’ market.


Click HERE for a quote on this great product OR email or call us. If you would like to run the quote yourself, click HERE.

Thanks for your business!

Don Boozer

Don Boozer & Associates

1-800-543-0886

NEW SHORTER APPLICATION!

ONE PAGE APPLICATION

ONE HEALTH QUESTION

#1 Term Products - Short Form App

How Are You Going to Beat That?

www.donboozer.com

AIM: Instant Messaging: DonBoozerNBC

PROTECTIVE IS BACK IN THE COMPETITIVE TERM BUSINESS!

The new LOWER rates for the Secure T products are available on the quote sites. If you have not tried Protective lately – DO IT TODAY! You will find that they are at or near the top of the charts when compared to other leading companies.


USE TELELIFE FOR EVEN MORE BANG FOR YOUR BUCK!

There is An easy way to write your term plans with Protective Life. You can use the amazing TeleLife system. If have not used this excellent system – today would be a good time to take it for a test drive.

There are two methods available for your use.

1) The first one is the online version that allows you to qualify, quote and write the app all on the same platform. If you are computer literate, I highly recommend this system.

2) The second system is the paper version of the system and this version allows you to complete a ONE PAGE paper app and submit it to our office.


BOTH OF THESE APPS CAN BE TAKEN OVER THE PHONE.


WANT A QUICK QUOTE?

Click Here! You can save this quote engine to your computer and be ready when your client asks you the magic question. “How much will it cost?”


Take a look at these links for more information on these application processes;

1) TeleLife Pre-Application Instructions

2) TeleLIfe Pre-Qualification Questionnaire (I highly recommend that you use this on ALL of your cases).

3) TeleLife Applicant Checklist (You will want to share this with your client when you start the process)

4) TeleLife Consumer Reference Guide


Ask us for illustrations and applications – we have plenty.

Thank you for your business!

Don Boozer

Don Boozer & Associates

1-800-543-0886