L T C Cash: New Long Term Care Insurance To Cover Your Financial Needs

August 24th, 2010

Finally, there is one plan to ease your financial burden if you would ever find yourself in need of long term care. LTC Cash (100% cash policies for long term care insurance) can bridge the gap between disability benefits and your monthly expenses during a debilitating, long-term illness. Disability plans only pay about 60% of your income before taxation. For example, if you earn a $40,000 annual income you would only receive about $1,400 each month. At this rate, you would need to figure out how you would pay your other monthly expenses such as your mortgage, your children’s education, as well as your daily living expenses. LTC Cash is your best option to cover all of your expenses.

LTC Cash offers countless benefits. L

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Tags: Care Insurance, Financial, Term Care, Term Care Insurance

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Three More Pro Tips for Phone Conversations

August 23rd, 2010

Add some “mhmms” and “ahs.” It may sound silly, but responding to a customer with a simple “uh huh” instead of dead silence shows the customer that you are listening while allowing them to continue what they are saying.

Get used to “no.” Then get past it. People are practically programmed to say “no” or give a negative response to salespeople until they’ve been convinced that the salesperson actually has something worth their time. It’s your job to try to overcome these negative responses. You don’t need a firm “yes,” just permission to continue with the conversation.

Talk like the customer. When the customer is

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Why Automating Calls and Follow-up E-mails Can Make a Big Difference

August 20th, 2010

As soon as a lead gets fed into your lead management system, many systems have the ability to immediately send an e-mail to a client thanking them for their interest. That gets your foot in the door and makes the client aware of who you are and that you plan to give him or her a call.

Of course, you’ll have to make your own call – and soon – but the software can make that first step.

After you make contact with clients, your lead management system can keep up with what you’ve done. After a set amount of time, it can remind you to follow up with those clients you spoke to recently so that nobody gets lost in the process.

Any client you fail to follow up with is almost certainly a lost sale. In fact, studies show that companies who regularly and thoroughly follow up with potential clients have closing rates three times higher than those who do not. Many sy

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Use of 8/9/2010 Variable Material Checklist for NY Policy Form Submissions

August 20th, 2010

As a member of the life committee of the New York State Insurance Department’s task force on modernizing insurance regulation, I worked with Ms. Nelligan on the creation of a checklist for use when drafting memoranda of variable material for life and annuity policy form submissions. This was an area of concern because so many certified submissions (CL-6) are rejected due to variable material problems. In drafting the checklist, we tried to identify the most common errors and provide concrete tips for avoiding them. The [checklist] we came up with was posted on the NYSID website last week.

This week, I had my first occasion to use it during the process of preparing variable material for a client.

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Tags: Checklist, Checklist Ny

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