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 make application online at 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
DON BOOZER & ASSOCIATES
1-800-543-0886
Sunday, November 24, 2013
Friday, November 22, 2013
“Sell the sizzle – not the steak.” An excellent LTC alternative!
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.
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?
THIS IS WHERE THE SIZZLE COMES IN!
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 excellent LTC alternative.
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.
ILLUSTRATION AND FAQ SHEETS provided upon request!
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.
Thank you!
Don Boozer
DON BOOZER & ASSOCIATES
1-800-543-0886
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?
THIS IS WHERE THE SIZZLE COMES IN!
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 excellent LTC alternative.
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.
ILLUSTRATION AND FAQ SHEETS provided upon request!
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.
Thank you!
Don Boozer
DON BOOZER & ASSOCIATES
1-800-543-0886
Wednesday, November 20, 2013
Kick Butt UL Product
THE NUMBER 1 UL – SERIOUSLY?
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.”
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!
A BETTER CHRONIC ILLNESS RIDER
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.
LOAN RESCUE PROGRAM
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.
HOW COMPETITIVE IS IT?
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;
Protective Life $218.41 per month
North American $202.44 per month
Symetra $158.00 per month
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.
Thank you!
Don Boozer
DON BOOZER & ASSOCIATES
1-800-543-0886
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.”
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!
A BETTER CHRONIC ILLNESS RIDER
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.
LOAN RESCUE PROGRAM
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.
HOW COMPETITIVE IS IT?
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;
Protective Life $218.41 per month
North American $202.44 per month
Symetra $158.00 per month
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.
Thank you!
Don Boozer
DON BOOZER & ASSOCIATES
1-800-543-0886
Sunday, November 17, 2013
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
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
Wednesday, October 16, 2013
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
Thursday, September 26, 2013
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
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
Wednesday, July 31, 2013
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
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