Life Insurance Selling August 01, 2011
Cover Story
The "Yes" Man
Every producer comes across a hopeless case once in awhile. The client's too old, too unhealthy, too risky for any carrier to take on -- at least, not at a rate that's in any way affordable.
Features
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Social Media - it's not just for kids
Grandmas and college students alike are sending friend requests on Facebook, tweeting on Twitter and connecting on LinkedIn. Here's why you need to join them.
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Annuities: The solution to baby boom retirement doom?
Many baby boomers are underprepared for their looming retirement, but smart use of annuities could help them.
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Retirement: It's Not all Scary
Countless studies tell depressing stories of anxious, unprepared pre-retirees who will never be able to stop working. But most boomers are focused on the positive -- and looking for financial advisors who avoid scare tactics.
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Gen X and Y agents: Don't hesitate to approach boomer market
Many younger producers are working with clients from their own generation -- but boomers need help too.
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The Boomer Business
The first wave of boomer retirees broke this year, and more will keep coming for the next two decades. Here, three boomer-focused producers talk challenges and opportunities for boomers, post-financial meltdown.
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Make your LTC conversations a little easier
Asset-based long-term care products offer cash accumulation, death benefits -- and the LTC protection your clients won't admit they need.
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Transferring longevity and market risk with immediate annuities
Retirees may not make enough money on their investments in a volatile market and, even if they do, there's a good chance they'll outlive it. Those risks may be better managed with an annuity; here's how.
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Serving up critical illness coverage
On the insurance menu, critical illness coverage is a lot like dessert: clients can take it or leave it. Use these strategies to make your CI policies more irresistible fudge brownie, less day-old fruitcake.
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Tax-free planning... without the heartburn
Use these three basic questions to help you frame the subject in more palatable terms.
Columns
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Boomers on the retirement precipice
Boomers have to be the most analyzed generation in history.
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The first question you should ask
The best way you learn is through your mistakes. When you do something wrong and that mistake comes with a high price tag, you'll never forget that lesson.
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What's Next?
Where are we going and what will we do? "We" in this case means folks in the United States, Mexico, Canada and overseas. In other words, everyone.
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Dick Cheney: Medicine Man
Richard Bruce "Dick" Cheney began a career in public service in 1969, when he was an intern for U.S. Rep. William A. Steiger of Wisconsin. For most of the following 40 years, concluding with 8 years as President George W. Bush's vice president,
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What's your offer?
When you approach a prospect, or even a potential prospect, what's the offer? If you want someone's attention, you should make them an offer they can't refuse. What's your offer?
Departments
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From the Archives
Editor's note: The following excerpts are from the August 1984 issue of Life Insurance Selling.
Special Features
2013 Outlook As we move into a transition year, check out LifeHealthPro's conjectures for the life, annuities, health and disability markets.
100 Best Sales & Marketing Ideas Whether you want ideas for referrals, generating leads or just listening to your clients better, we have the sales and marketing tips you need.
The Complete ELNY Saga For more than two decades, the Executive Life Insurance Company of New York (ELNY) has been bled for billions of dollars while languishing in a state-imposed purgatory.
Life Insurance A-Z This alphabetical-themed infographic will help your clients feel more comfortable discussing life insurance protection concepts.
2012 Advisor of the Year Through a very thorough nomination process we look to find a top producer who is a true cornerstone of a community.
Senior Survey 2011 In this special section, find out how seniors build their nest egg, make an estate plan, finance their health care and where they live.
