insights
Insights
Underwriting Exceptions for Tobacco Users
Identifying non-tobacco pricing solutions for tobacco user is key: it cuts premiums in half for the most popular forms of life insurance. Several highly rated life insurers currently offer non-tobacco pricing exceptions for: Daily cigar smokers Dippers, chewers Some vapers Occasional cigarette smokers Former daily cigarette smokers who quit smoking 12 months ago (or earlier) […]
Turn Al Granum’s 10-3-1 into 50-20-10
Financial Advisors: Don’t limit yourself to prospecting strategies developed in the 1960s! Put them on steroids by taking advantage of LinkedIn’s newest client acquisition tools. It’s free, quick to set up, and can be done compliantly. Think of LinkedIn as a resource with thousands of ideal prospects. The network’s newest tools enable you to find them quickly, connect with them, draw […]
Potential Advantages of Layering Large Life Insurance Applications
Life insurance applications for tens of millions of dollars – sometimes much more – are commonly purchased to secure a large loan, to facilitate the transfer of a business, or to pay death taxes. Individuals who have these needs are often ultra-busy business owners or executives who prefer to focus on growing their companies rather […]
