Find More Customers

EMAIL FLYERS ARE EASY TO SEND AND ECONOMICAL!

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.  

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.    CLICK HERE 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.

35 MILLION CONSUMER PROSPECTS
8 MILLION BUSINESS PROSPECTS

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!

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.

TAKE A LOOK. 

You have nothing to lose and everything to gain.

Thank you!

Don Boozer
DON BOOZER & ASSOCIATES
1-800-543-0886

THIS INFO CAN SAVE CASES FOR YOU!

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.

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.

HERE IS HOW IT WORKS

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.

FILL IT OUT – SEND IT WITH THE APP!

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!

TABLE 2 TO STANDARD!

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!

Thank you!

Don Boozer
DON BOOZER & ASSOCIATES

1-800-543-0886

Finish This Phrase . . .

A PICTURE IS WORTH . . .

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.
 

HOW CAN WE CREATE THAT IMAGE FOR OUR BUSINESS?

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 Contact Marketing Pro on our website.  This is the same system that we use to contact you weekly to make you aware of our products and services.
 

IF A PICTURE IS WORTH 1000 WORDS?

What is a video worth?  You may not know that we offer a complete library of videos 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).
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.

(Example: “Your home is not only your biggest investment, it is the center of your family life.  What would happen if you were killed?  Would your family be able to stay in their own world?)  Please take a look at this video.  I will call you in a few days to discuss it with you.”
 

IDEAS ARE A DIME A DOZEN BUT THE PEOPLE WHO USE THEM ARE PRICELESS!

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.
 

Thank you!

Don Boozer
DON BOOZER & ASSOCIATES
1-800-543-0886

www.donboozer.com

Impaired Risk SPIA

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.

WHAT IS AN "IMPAIRED RISK" SPIA?

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.

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
benefit payments.

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.

HOW IS AN "IMPAIRED RISK" SPIA DIFFERENT FROM SUBSTANDARD LIFE INSURANCE?

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.

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.

CONDITIONS THAT COULD INCREASE THE PAYOUT:

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.


Allow us the opportunity to help you. We will both be happy you did.


One phone call - hundreds of options!

We'll do the research for you!

800-543-0886

Prayers for West, Texas

Today our hearts and prayers are with the citizens of West Texas who have all been impacted in the past few hours by the horrible losses as a result of the devastating explosion of their fertilizer factory.  Because this is a town of only 2400 people and the damage was so widespread, hardly any person will be spared a loss.  These people need all of the help we can send.

 

http://en.wikipedia.org/wiki/West,_Texas

2013 Tax Facts At A Glance

Download your free copy today 

www.donboozer.com

One phone call - hundreds of options!

1-800-543-0886

ESTATE TAX CASES!

The current estate tax code is set to expire on Dec. 31st. If congress does not extend the current code: 

• The exclusion will drop from $5.12 million to $1 million
• The top marginal rate will rise from 35% to 55%

Contact your clients that have estates worth more than $1 million and start the conversion regarding the need for updated planning. 

We are paying a $500 bonus for SUL cases with apps rec'd by Dec. 31st and a paid target premium of $10,000 or more. 


One phone call - hundreds of options!

1-800-543-0886