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Resources for our Strategic Partners

What is an introduction?

An introduction is a simple but very effective referral.

Here is what you need to keep in mind:

A basic question such as “do you have enough life insurance?’ or “are you concerned about the price you are are paying for your life insurance?” is enough to see if they have a need to discuss their coverage.

They do not have to be in the market now. They should just want to make the aquaintance of a life insurance expert now, for when they are ready to make a purchase.

They simply need to be open to an introductory conversation with me, so I can explain our services and how we can help them. Once they agree, send me an email reviewing your conversation with them, and asking me to reach out. Copy them, and be sure to include a phone number.

Sources of introductions

You can make introductions to people in your personal, business, and communal networks, including;

Your friends and family.

Community groups.

Your clients.

Your employees.

Business and networking associates.

Colleagues in the same business, industry, or parent company as you.

When you talk to people about their life insurance, remember that they may have multiple needs for coverage:

For living benefits:
Wealth accumulation
Retirement funding
Long term care expenses

For their family:
Income replacement
College or trade school funding
Mortgage protection
Legacy gifts

For their estate:
Final expenses
Paying estate taxes
Charitable giving

For their business:
Funding partnership agreements
Key person indemnification
Executive bonuses
Business loan protection

Prequalification is the key to our VIP service

Prequalification is the foundation of our VIP service to every client.
It adds integrity and efficiency to the application process.
It enables us to:

Provide quotes that are both competitive and reliable.
Help underwriting run smoother.
Get our client’s application approved at the rate quoted.

You can find out more on our Blog:

Leave it to the expert

How exactly do you make a referral to a life insurance expert – or any other professional, for that matter? Let’s look at a common referral instance from everyday life.

Suppose you go to your primary care physician for a routine exam. She checks your heart and gets concerned about your heart rate; so she advises you to go to a cardiologist. She knows enough in general terms to identify a potential heart problem, but she does not have the expertise to diagnose and treat you. So she refers you to an expert.

The same applies when you speak with someone you know about their life insurance. You may know enough to see they have a potential problem, but you don’t know enough to solve it. So you refer them to an expert – someone who knows the products, who understands underwriting, and who can counsel the client on choosing the right policy for them.

Term insurance is not always the right choice

Financial advisors should never have a bias, right? Their recomendations must always be based on their client’s needs and goals, right?


But sometimes advisors do have a bias towards a certain product, company or strategy. Maybe they have a good reason, from personal experience or research. Good.

But maybe they just have a bias.

I find this is the case when it comes to life insurance. Too many advisors take a simplistic approach: “Buy only term. Whole life is bad.”

Not really.
Click here to find out more.

When should you look at your life insurance policy?

It’s a good question, for both consumers and their financial advisers. Many people simply buy a policy, stick the certificate in a drawer, and forget about it. The trouble is, there are SO MANY reasons why that coverage should be reviewed, time and time again. Click here for a quick list.

Why Life Insurance is the Rock of Your Portfolio

People have all kinds of insurance in their financial portfolio: life, medical, disability, liability, home, auto, business…

But life insurance is the foundation of the entire structure. There are very sound reasons for this. Read more here:

Do you know people who have improved their health – or who are health coaches or healers?

Some of my favorite clients are people who have improved their health. This could mean you have lost weight… reduced your A1C…. lowered your PSA… stayed sober an additional year…

There are so many ways people get better, feel better, and live better. And they could all help you pay less money for your life insurance! Underwriters like people who take better care of themselves.

Here is a blog post that relates to this topic.

Five ways to save money on your life insurance

People often think of life insurance as purely a “cost:” you pay a premium. and your beneficiary gets a benefit. But there are ways to get much more bang for your buck. Here are a few…

The Five “No’s” of employer-sponsored life insurance

Life insurance is frequently sponsored by employers as a group benefit for their workforce. Is it a nice add-on perk? Yes. Is it a cheap way to get some coverage? Yes. Is it the way most people should purchase the life insurance they need? No.

As a matter of fact, there are Five No’s. Here they are

Coaches: the new generation of financial advisers

For years, I have had the good fortunate of getting referrals from financial advisers. Bankers, attorneys, and accountants have provided me with a steady steam of introductions to their clients. I have been honored to be the “resident life insurance expert” when the topic of life insurance pops up.

One challenge has been the “transactional” nature of their consultation. These financial advisers typically excel at, well, giving advice . Their client has a need for a product or service, and the adviser solves the problem by steering them in the direction towards buying it.
Continue reading here…

How to avoid giving bad advice to your clients about life insurance

Life insurance is the foundation of our finanacial portfolio. It is the only insurance product for which we are guaranteed to make a claim (assuming we keep the policy in force.) It covers the most disasterous of all risks – the death of a loved one / financial provider. And it is extremely cost-effective – each dollar of benefit literally costs pennies.

Because it is so integral to financial security, financial advisers will focus on this product when consulting with their clients. Planners, bankers, attorneys, accountants, and coaches all seek to make sure proper coverage is in place. Here are three pitfalls to avoid when doing so:

Continue reading here…

The 10 Life Events that call for a life insurance review

How do you know when to review your life insurance – or to encourage a friend or colleague to look at their policy? Here are ten key life events that call for a look at your coverage.

Continue reading here…

Who is “high risk’ for life insurance?

If you have ever shopped for life insurance, you know that underwriters consider some candidates “high risk.” This means that you may have a health, lifestyle, or other factor that could make you more of a mortality risk.

The good news is that “high risk” is somewhat of a relative term. Yes, there are some factors that will prevent you from getting preferred best rates from just about all carriers. But at the same time, carriers tend to specialize in underwriting certain risk aggressively. Given the right company, even “higher risk” candidates can get excellent rates.

Prequalification will determine how low those premiums can get. It all starts with the broker obtaining thorough and accurate quote information about the “higher-risk” factors. 

Here is an overview of them…

The place for term insurance

Is there a place for term life insurance in your portfolio? Yes, there is.

Here are some examples:

Protecting your child’s insurability

Take a look at a list of hereditary deseases. A good health-related web site will provide one. The list is huge – running from breast cancer, to Diabetes, to kidney disease, and more.

Click here to find out how this factors into family financial planning:

Life insurance for Diabetics: three things to remember

If you are a Diabetic, you can still get life insurance. And it does not have to cost an arm and a leg. But certain factors have to be in place.  Here they are:

How much life insurance should you get on your stay-at-home spouse?

Many households have a spouse or partner that stays home. Does that mean he or she does not work? Not a chance. Kids require a ton of time and effort. Then you have all kinds of domestic chores, to keep the household running smoothly. Plus meetings with the various vendors – landscapers, accountants, etc. – that keep the estate in tip-top shape. Even small estates need management help.

So how much life insurance should be carried on your Stay-At-Home-CEO?

Will my life insurance benefit really get paid?

Many people feel cynical about big corporations in general, and insurance companies in particular. It’s almost as if we expect to not get what we paid for.

A lot of this is unfortunately based in personal experience. It can be hard to get claims paid on your home, auto, medical or disability insurance policy. Sometimes the insurance company is in the right, but other times it just seems they want to welch on the deal.

What about your life insurance?

When is vanilla not vanilla?

Financial advisers and coaches ask me this question on a regular basis: “If we have a ‘plain vanilla’ client – young, healthy, with no high-risk factors – should we still send them to you for life insurance?”

The answer of course, is yes , for two reasons.

How to talk to your clients about life insurance

Financial advisors and coaches frequently ask me for advice on how to talk with their clients about life insurance. I am always gratified to hear that. Life insurance secures your client against the life hazard that can have the most damaging impact on both their emotional and financial well being: the death of a loved one and bread-winner (and in a business, the death of a partner and / or key employee.)

This means that for your client to have true financial security, the right life insurance policy (or policies) must be in force. How do you know this is the case? Here are some questions you can use to get the conversation going. Once you confirm your client’s coverage needs work, get me involved. I will make sure they get what they need.