Creative Life Sales Team - 3/3 - Creative Edge

We’ve all heard about Murphy’s Law … and felt the wrath of it at the most inopportune times. Think about the last case you worked to place that didn’t go as planned. Maybe you had a tight placement deadline to meet, a table rating you were trying to get for your client or both. As one thing after another went wrong, you either had to put in additional time and energy to get it placed - or it ended up as a dreaded decline. At times like these, wouldn’t it be nice to have a trusted resource step in to change fate, fix anything that might be “broken” in the placement process and start turning things around? By partnering with Creative Life, you can be confident that even the worst of situations result in the best possible outcomes.

As you grow your business and work to place policies on clients of all ethnicities, backgrounds, ages and lifestyle habits, you will become increasingly familiar with just how varied underwriting challenges can be. Sometimes, you may work with clients who have health issues that aren’t so obvious, resulting from a cause that isn’t easily identifiable. For example, what should you do when a client receives test results suggesting he or she has some variation of abnormal liver function?

The month of February leads many people to think of everything from cupids and engagements to roses and diamonds. Merriam-Webster defines the word diamond as “a native crystalline carbon that is the hardest known mineral that is usually near colorless.” Most women define diamonds as the ultimate gift of love. The true beauty of a diamond can be enhanced by the proper cutting of the stone – known as faceting. This process is designed to allow the gem to reflect light and must be carefully adjusted to maximize optical performance.

Your clients have chosen to partner with you to help them prepare for what’s to come in life – both the expected and the unexpected. From births and graduations to weddings and funerals, life’s most influential events mark each calendar year, and your clients’ finances feel every ebb and flow. Sometimes, these life-changing events can leave clients feeling vulnerable and confused, unsure of what to do next, and whether or not their finances remain protected. Help ease the transitions by accessing our personalized, non-carrier-branded materials and guiding clients through the planning process.

Many of us can remember simpler times and a slower pace of life. Back in the good ‘ole days, goods and services were provided by people you knew by name, who lived in your neighborhood, and who visited just to check on your children or catch up on any family news. There were fewer choices, and no one seemed to mind. The milkman would bring whole dairy milk to your door each week, and families enjoyed the vitamins and nutrients this product offered. But with the advent of new technologies, individuals began going to the grocery store to buy milk in 2%, 1% and skim varieties to enjoy a different set of nutritional benefits.

In last month’s Case Consulting feature, we discussed a situation in which a client was looking for upside earning potential with no downside market risk for an asset he wanted to leave for loved ones. Given his particular situation, Creative Marketing helped identify an annuity that met his needs and gave him the flexibility he desired. However, it’s possible that similar needs for a different client would lend themselves to a life insurance conclusion. If you have clients who are uninsured or underinsured and are looking for tax-free savings potential, consider offering them the benefits afforded by life insurance. And just like many good things, they often come in threes.

As Americans’ habits continue to change and impact their health, we’re seeing an increasing prevalence of a number of disorders and diseases. Some of these are easily treatable, and may seem like an inconvenience rather than a cause for serious concern. One of these chronic conditions is sleep apnea. However, if left untreated, this disorder can lead to an increased risk of high blood pressure, heart attack, stroke, or work-related and driving accidents, which is why it could impact potential carrier offers for life insurance.

Even in today’s rapidly changing industry, financial and insurance professionals can always count on a couple constants when charting out a business plan. First, there is a need to identify and capture new markets. Second, there is a goal to better serve existing clients with new product and service offerings.