Rate Calculators are a good start, but how do you tell if your client qualifies for those “Olympic Athlete” super preferred rate. You want to keep “at issue” surprises to a minimum.

It’s not fun or profitable to go back to your client and resell a case because they did not qualify for the rate you originally quoted them. We can help. Our underwriting prescreen process improves the accuracy of YOUR quotes.

Commissions on term insurance business have declined steadily for 20 years. We maintain complete records of every schedule and pay all our producers the highest “street level” compensation available. Some companies actually still pay renewals! Our producer bonus program pays additional compensation to volume producers.

Converting term insurance to permanent insurance is good for the client and the producer when the temporary need for term insurance becomes a permanent one. We can tell you what the conversion options are with EVERY carrier we represent.

“Return of premium” plans – policies that refund premiums at the end of the term – are products that have gained consumer acceptance. Be sure to show your clients a “money back” proposal every time.

Term insurance has become a commodity business. We help you be as efficient and profitable as you can be.
 

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	Allianz Life AIG-American General Americo Aviva Banner Life Central United EMC National Life Fidelity Life GENWorth GPM Life Guarantee Trust Illinois Mutual MTL Insurance North American Old Mutual Group West Coast Life     More Info State Guarantee Fund Rules and limits

Last Updated:
06/29/2007