The Producer Conversation for Secure Lifetime GUL3 with Asset Protector!

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The Producer Conversation

Knowing a product is only a small part of the overall selling process. In fact, knowing the product may be the simplest part. The challenge that often hinders the sale is how to pitch the idea to a client. How do you introduce the Secure Lifetime GUL3 to clients?

Check out this video from American General and Steve Schumaci who shares his secrets to success!

The 10-10-10 Plan with AIG’s Secure Lifetime GUL3

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10-10-10 Plan | Secure Lifetime GUL3

Guaranteed Universal Life products have generally been “no frills” type of products. American General is changing the game with their Secure Lifetime GUL3. The innovative features of this product make it simple for your clients to protect against dying too soon, living too long, or getting sick along the way.

The 10-10-10 is a simple concept that can help those who are looking for a guaranteed death benefit, a short payment schedule, and an additional income source during their retirement years.

Download the items below and read more about the 10-10-10 plan!

View Your In-force & Pending Life & Annuity Cases

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Have you ever called FPG after hours to check on the status of your case or you needed information for a policy you placed in-force? Now you can use MyCases to check your pending business and in-force business!

If you have any questions, your case managers are always happy to help.

Gigi Gervacio 949.455.0119 x222

Tracy Gaspard 949.455.0119 x220

Focus On: Mood Disorders

By | Life Insurance, Underwriting | No Comments

This month we focus on mood disorders, the most common of which are depression and anxiety, and which affect approximately 20% of the adult population of the United States. From an underwriting point of view, the mortality risk is due primarily to suicide, cardiovascular disease, and substance abuse. Research shows that risk is highest early in the course of the disorder or within a few years of a hospitalization.

Because diagnosing and underwriting mood disorders can contain a degree of subjectivity, most underwriters rely on information found in prescription history checks and medical records. They look for the type and number of medications a client may take, what degree of severity a client’s doctor has labeled the diagnosis, and whether the client has admitted to any suicidal thoughts, among other things.

If you know or suspect your client has a mood disorder, but don’t want to ask too many sensitive questions during the pre-underwriting process, we can help! Click on the following links to be directed to our  Depression and Anxiety Questionnaires. Have your client complete any and all relevant information on the form, in confidence if they so desire, and send it to FPG. Using the questionnaire and our quick-quoting tool, we will let you know which carrier can offer the best underwriting class for your client!

Call your Case Manager or Marketing Director for more information!

Try Out FPG’s Mobile Quote Tool!

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Sharing the value of life insurance is easier when you have FPG in your back pocket. Our mobile quote tool allows you to provide your client Term and GUL quote right from your mobile phone or tablet!

This tool is simple to use and provides you quotes to all our term and GUL carriers! You’ll need the death benefit amount, the term length, and the underwriting risk class you want to quote!

Click HERE to visit our mobile quote tool and don’t forget to bookmark the page for easy access!

Launch Mobile Quotes

Legalization & Risk Class : The Best Life Insurance Carriers for Cannabis Users

By | Life Insurance, Underwriting, What's Trending | No Comments

California recently became the most populous state in the nation to legalize the recreational use of marijuana. With many states following this trend, which life insurance carriers offer the best underwriting for cannabis users?

Click HERE or the button below to download our carrier chart that includes carrier guidelines.

Did you know that marijuana use in the U.S. has doubled in the last decade, according to the National Survey on Drug Use and Health!

Understanding your clients options can set you apart from the crowd. Knowing what company can provide the most favorable rating and the best experience to your clients is just a click away! Download our chart by clicking the button below.

Download Chart - Agent Use Only

Find Out Why Your Clients Are Reluctant to Discuss Life Insurance

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Discussing our own mortality can be an unpleasant experience, and as a financial professional you don’t want your clients feeling unpleasant when they speak with you. You also do not want your clients feeling pressured into a discussion they do not want to have.

Check out this article from Life Health Pro and read the tips that Ben Rovee provides to you!

We know life insurance is an important part of your client’s financial planning, and overlooking the consequences of not protecting against the certainty of death can have detrimental financial impacts to a family.

So how do you initiate the life insurance discussion with clients?

Click here for Article!

*Ben Rovee is the founder and CEO at Strategic Financial Designs, affiliated with The Penn Mutual Life Insurance Company.

Looking for a GUL Alternative? Check out Protective’s Indexed Choice UL!

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Protective’s Indexed Choice UL offers the guaranteed death benefit protection of a GUL, but with potential to accumulate higher cash values!

Dial-in the death benefit protection to any age your client desires! The death benefit will guaranteed to the age specified and through index crediting the policy has the potential to accumulate higher cash values when compared to a GUL!

Download the items below and contact us to run an illustration!