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Seven Keys to Direct Response Impaired Risk
Selling
By Greg Hellmich
Email: gregh@onlyfinancialgroup.com
Before Submitting:
- Empathy
- Take a little time
- Find something to relate to
- Show empathy for pain or discomfort
- Create a sense of urgency
- Premium Tolerance
- How much is comfortable
- Start at, say, $200 per month and work down
- Must be employed (no disability)
- Ask the Right Questions
- Have Questionnaires Ready
- Go to http://www.onlyfinancial.com/impaired.asp and print off - keep on file till needed
- Explain that they cannot withhold information
- Now Submit the Case. It’s Easy as A-B-C
- Use Primary Carriers IF it’s just minor impairment
- Cholesterol, Blood Pressure, some Build, some DUI, Mild Depression
- Not Sure? OR it looks worse than above?
- Greg Hellmich will contact you with a carrier and instructions; Follow his lead.
Remember to:
- Explain the Process
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Time Line
- APS help a possibility
- MIB
- Exam if needed
- Offer and Acceptance; payment options
- Ongoing Service
- Confirm Premium Tolerance
- Confirm again “If we can get this at X, that is going to work for you?”
- Presenting the case to the Underwriter
- Cover letters
- US Financial likes “control; taking care”
- Complete Application Packets – Condition Specific forms
If you wish, Greg will personally assist you and your client with a three-way conference call. Helping you write, place, or save a case! Greg has 16 years experience in this field and is terrific with prospects turning them into clients. This allows you to stay focused on what you do best while still making substantial money on a case you may not have had time to pursue – 866-INS-ONLY ext 108 to visit with Greg Direct.
With Impaired Risk Remember to Look For:
- Conversion Opportunities
- Medically Underwritten Annuities
- Second to Die
Need to know more about these? Just give us
a call!
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