The Basics of Life Insurance

Join us as we discuss the different types of life insurance and how they work.  We will also cover key topics to help you navigate the life insurance process.

• How to identify which product is best for your client
• How to identify how much insurance your clients need
• Field Underwriting to help determine what rate class to quote and avoid surprises during the underwriting process
• The most efficient way to submit applications
• Tools to help you manage the life insurance process more effectively

Term Life Insurance

Join us as we discuss how to position term life insurance solutions for your clients. Although term life insurance is the most basic form of coverage, there are various situations where term insurance can provide additional value to your clients.

• Choosing the right term length to protect your client
• What happens when the term policy ends?
• Conversion Options and why they are important
• Riders that provide more value to your clients

You have worked hard to build your block of business - what are your options when you want to retire, go on a mission, slow down, etc?

Jeff Jones from Stone Hill will walk you through what you can do (should do) NOW to make sure you are prepared for that phase of life, what some of your options might be, and what steps are taken to determine valuation and a smooth and successful transfer of your Block of Business.

Permanent Life Insurance

Join us as we discuss the various types of permanent insurance and how they fit into your client’s life insurance needs.

• No-Lapse Guarantee Provisions
• 1035 exchanges, short-pay designs
• Return of Premium options
• Cash Value Accumulation and how it benefits your clients
• Policy Reviews to make sure your client’s needs are met

Introduction to Indexed Universal Life

Join us as we discuss Indexed Universal Life and how it fits into your client’s life insurance needs. Indexed Universal Life can be a valuable tool for clients who want more value from a life insurance product.

• How Indexed Universal Life works
• Comparing protection focused solutions to accumulation focused solutions
• Designing policies to accomplish the client’s goals
• Accessing cash values for various future needs

Executive Life Market

Join as we discuss a market designed at rewarding highly compensated employees with benefits beyond what may be available through their group term plan.

• Benefits for Employer
• Benefits for Employee
• Simplified Application Process with minimal administrative requirements (non-med underwriting and no application paperwork)
• Identifying opportunities within your current book of business
• Large commission opportunity with potential for additional sales