a quarterly newsletter for the agents of · 2017-07-15 · 1. qualifying business must be dated...
Post on 04-Aug-2020
1 Views
Preview:
TRANSCRIPT
PRODUCT POINTS PER APP OR BY PREMIUM
Medicare Supplements 1 point per application
Final Expense 2 points per $1,000 of annualized premium
Long-Term Care/Short-Term Care 1.75 points per $1,000 of annualized premium
Dental, Hospital Indemnity & Cancer Plans 2 points per $1,000 of annualized premium
Major Medical & Short Term Medical 1 point per $1,000 of annualized premium
Life 2.5 points per $1,000 of target premium
Single-Premium Life 3 points per $10,000 of premium
Fixed-Indexed Annuities* 3 points per $25,000 of premium
MYGA Annuities 3 points per $50,000 of premium
A Quarterly Newsletter for the Agents of
IN THIS ISSUE :
MEDICARE SOLUTIONS ● LIFE INSURANCE ● ANNUITIES ● LONG TERM CARE
DENTAL & VISION ● CRITICAL ILLNESS ● HOSPITAL INDEMNITY
WWW.WMACORP.COM FOR AGENT USE ONLY. NOT INTENDED FOR CONSUMER USE.
© 2017 Western Marketing
Earn More Cash with
Cigna’s Med Supp!
DOUBLE TRIP CREDITS on CHS Products!
HOT Short-Term Home
Health Care from GTL
Cash-In on These Carrier
Med Supp BONUSES!
Win a Trip for Two Selling
UCT DVH & STC!
HOT Aetna’s Cancer, Heart
Attack or Stroke Insurance
Competitive Med Supps
from Thrivent Financial &
Liberty Banker’s Life
NEW What’s HOT with
Medico?
Ameritas Primestar Dental
& Vision Insurance
Partner With an IMO
You Can Trust!
NEW Income Protector
Annuity from NWL
Give Your Clients a 10% or
12% BONUS!
MYGA Rate Guide
Single Premium Life vs.
Annuity
NEW SecureCare
Universal Life
NEW WealthHorizon
Single Premium Life
from EquiTrust
Foresters Your Legacy
Single Premium Whole Life
HOT Top 10 Reasons to
Sell AIG GIWL
NEW 125% Increased
Death Benefit Whole Life
Introducing Western
Wealth Builders
Meet the Western
Marketing Team!
1. Qualifying business must be dated July 1st, 2016—December 31st, 2017 and issued by January 31st, 2018. 2. These qualifications are based on street-level writing agents only; not all agents and agencies will qualify at these numbers. Please contact your Marketer for details. 3. *Rollovers from Qualified Funds may not count towards the trip after April 1st, 2017 due to the recently passed Department of Labor Fiduciary Rule. Call for details.
4. The trip is not redeemable for cash or any other prize.
Please visit our website at
www.wmacorp.com for complete
terms, conditions and details.
Still 9 MONTHS
left to qualify!
2
Pages 2—10
800-852-7152
Call Western Marketing today for more info!
800-852-7152
Earn Double Trip Credits selling Cancer, Heart Attack & Stroke policies
during the months of May, June and July 2017.
Call 800-852-7152 for carrier details!
See front cover, or go to www.wmacorp.com for trip qualifications
and complete rules!
2018 Top Producers Convention
3
AVAILABLE NOW! The Best Short-Term Home Health Care (HHC) Insurance on the Market!
Be the first to offer to your clients!
4
Call today for more information! 800-852-7152
3 Short-Term HHC Benefit Options $150, $300 or $450 maximum daily benefit
Great Value Added Riders HIP, Critical Accident, Dental/Vision, Ambulance
Policyholder Access to Ask Mayo Clinic Nurseline and Critical Illness Support
Great Cross-Selling Opportunity and Great for Clients
Now available in Alaska, Michigan, Montana & Wyoming!
— Available in the following states —
Alabama, Alaska, Arkansas, Delaware, Illinois, Indiana, Iowa, Louisiana, Michigan, Missouri, Montana, Nebraska, Oklahoma, South Carolina,
West Virginia, Wyoming & more coming soon!
FOR AGENT USE ONLY - Cannot be distributed to the public or used in any consumer solicitation. This is not long-term care insurance. Short-term home health care insurance, is issued on Policy Form
Series G1670 and Rider Form Series RG15CA, RG16ASH, RG16ASB, RG12DV by Guarantee Trust Life Insurance Company, Glenview, IL. This product, its features, and riders are subject to state
availability and may vary by state. Certain exclusions and limitations may apply. For cost and complete details of coverage, please refer to the outline of coverage.
Ask Mayo Clinic is a service provided to Guarantee Trust Life Insurance Company by Mayo Clinic at no cost to the consumer. Mayo Clinic and the triple-shield Mayo Clinic logo are trademarks of Mayo
Foundation for Medical Education and Research. Mayo Clinic does not endorse any third party products advertised. Availability of Ask Mayo Clinic is subject to change without prior notice. Ask Mayo
Clinic does not diagnose medical conditions and is not a substitute for consulting with your own healthcare provider for the diagnosis and treatment of personal health and medical conditions. GAD51-17
5
We have carriers paying cash bonuses up to
$200 per underwritten app!
Call 800-852-7152 for details,
or click the link below!
http://www.wmacorp.com/bonusoffers
6 Call Western Marketing today for more info! 800-852-7152
7
8
Not for profit membership organization that helps Christians be wise with money and live generously.
Is rated A++ (Superior) by A.M. Best; the highest of 16 ratings.*
#318 on the Fortune 500 (Fortune Magazine, June 2016)
Add a Medicare Supplement
Insurance option to your product
offerings that stands out.
Thrivent Financial Medicare Supplement Insurance
lets you offer clients coverage with highly
competitive premiums and commissions.
In addition, Thrivent is a :
*Ratings are based on Thrivent Financial's overall financial strength and claims-
paying ability, but do not apply to the performance of investment products.
Thrivent Financial is not connected with or endorsed by the U.S. government or the federal Medicare program. Not available in all states.
Thrivent Independent is a division of Thrivent Insurance Agency, Inc., a wholly owned indirect subsidiary of Thrivent Financial for
Lutherans, Appleton, WI. This contract has exclusions, limitations, reductions in benefits and terms under which the contract may be
continued in force or discontinued.
Insurance products are underwritten and issued by Thrivent Financial, the marketing name for Thrivent Financial for Lutherans,
Appleton, WI. Not all products are available in all states. For additional important information, visit Thrivent.com/disclosures.
For agent use only. Not for use with consumers. 06071601 3309TF 06/16
Approved States—CO, DE, GA, IA, ID, IL, IN, KS, KY, LA, MD, MI, MS, MT, ND, NE, OH, OK, PA, SC, SD, TN, TX, UT and WV
Coming Soon—NM and VA
Introducing a New Medicare Supplement from Liberty Bankers Life Insurance Company. Western Marketing is proud to release an exclusive Medicare Supplement from a name you trust. Suit up and make sure you have this competitive offering available for your senior clients.
Liberty Bankers Life Med Supp Provides:
Great Name Recognition
Ultra Competitive Rates
Industry Leading Commissions
Multi-State Product Release
E-App Platform for Quick & Easy App Submission
FOR AGENT USE ONLY. NOT FOR PUBLIC DISTRIBUTION. Not affiliated or endorsed by the Federal Government or Social Security Administration.
Call Western Marketing today for more info!
800-852-7152
Approved States—AL, IL, IN, KS, KY, LA, MD, MS, NC, OK, PA, SC, TN, WV Coming Soon—VA
Call Western Marketing
today for more info!
800-852-7152
9
Call for more details!
800-852-7152
State Age Focus Area Focus
Alabama 67-85 Ranked #1 in most of state
Arizona 65-69 Ranked #1 at age 68 in Phoenix, Mesa, Sierra Vista, Tuscon
Colorado 67-76 Ranked #1 in most of state
Iowa 68-80 Ranked #1 in Des Moines; ages 68-80 in most areas
Kansas 70-80 Ranked #1 in Kansas City, Topeka, Wichita, Altamont
Kentucky 68-76 Lexington, Ashland, Covington, Owensboro, Henderson, Allen, Blackey, Paducah
Louisiana 68-76 Ranked #1 in South, esp. New Orleans, Baton Rouge, Houma
Maryland 68-76 Ranked #2 in most of state
Michigan 69-76 Ranked #1 in most of state
Nebraska 68-80 Omaha, Blair, Lincoln, Scottsbluff (70-75 Kearney, Hastings)
North Carolina 69-76 Ranked #3 in most areas. Competitive age 69 in Durham, Greenville
Ohio 68-85 SE & Central regions Ranked #1 in several cities
Pennsylvania 65-85 Ranked #1 in nearly all cities
South Carolina 72-76 Ranked #1
South Dakota 70-80 Ranked #1
Tennessee 70-76 Ranked #1 in most areas, esp. Nashville, Chattanooga, Johnson City, Knoxville, Cookeville
Texas 72-85 Ranked #1 in Dallas, Fort Worth, Arlington, Waco, Houston, Pasadena, Port Arthur, Beaumont, San Antonio,
Corpus Christi, El Paso
Utah 67-85 Ranked #1 in entire state
Virginia 69-76 Ranked #1 in most areas
West Virginia 70-75 Ranked #2—within $3 of lowest rate in most areas
Wisconsin 68-85 Ranked #1 in entire state
What’s HOT with ?
The T-65 Market is flooded with agents, and clients are bombarded with mailers and calls. Think outside the “Open Enrollment Box” and focus on older ages for Medicare Supplement Enrollments. Why focus on 67 and above? ▪ Clients are working longer and retiring later (67, 68, 69) ▪ Less competition with agents ▪ Lead generation is more effective ▪ Rate increases at these ages opens the door to allow clients to go through underwriting and lower premiums
SEE BELOW WHERE MEDICO IS HOT!
This is the perfect time of year for agents to add Ancillary Plans to current client portfolios. Here are the most popular plans and demographics: ▪ Dental—Preferred Plan ($1,500), Female, Ages 60-75 ▪ Hospital Indemnity—6 day benefit, $250/day, Ages 60-69, 62% Female
▪ Cancer—61% Female, Ages 60-69. $10,000 benefit amount
10
11
12
Pages 12—22
800-852-7152
13
PLUS:
► No exposure to market risk—share only in the gains, not the losses
► Lifetime Income Rider available so your clients can’t outlive their money
► 10% Penalty-Free Withdrawals
► Full Accumulated Value at Death
► Built-in Nursing Home Waiver
► 8.5% Commission through Age 75 (most states)
Why should you
offer your clients
these outstanding
ANNUITIES?
How about a
10% Premium Bonus added immediately,
or 12% over first three years!
Call us before
your next
annuity sale!
800-852-7152
14
15
Single Premium Life Annuity
Tax Free Transfer Upon Death Yes No
Tax Deferred Yes Yes
Physical Exam No No
Suitability No Yes
Accelerated Benefits Yes Yes
Issue Ages 0-95 0-90
Commissions Up to 15% Up to 10%
Who is your typical prospect for Single Premium Life?
Funds have been earmarked for the purpose of transferring
wealth to beneficiaries
The prospect has a lump sum available
There is an additional established emergency
fund
Looking to maximize their legacy
Wants to avoid taxation of their legacy
Call one of our
marketing
experts today!
800-852-7152
SINGLE PREMIUM
LIFE
ANNUITY
Which is a homerun?
16 800-852-7152
17
18
800-852-7152
19
20
For more information, contact us at (844) 265-0656 or visit our website at www.WesternWB.com
21
top related