Insurance Agents
Welcome Insurance Professionals
Our goal is to illustrate how we can be of service
to you and your clients. Read more to learn how:
Many insurance professionals sell insurance, not as
a stand alone product but as a retirement planning
tool. There are usually higher commission dollars
selling whole life vs. term insurance (which doesn't
make them "bad").
In the world of insurance, there are so many
products to choose from that the process of
integrating insurance products into one's total
financial portfolio has never been more complicated
and confusing an issue than it is today.
Many insurance products have now integrated the
option of allowing a consumer to select mutual funds
and other investment options from their "cash value"
within certain types of insurance. Thus, the need
for professional guidance in structuring the proper
insurance mix into one's portfolio.
If the advice is good and we benefit from the
professional's advice, they should earn a
commission. The same value we, as loan originators,
provide for the client, insurance professionals
provide their clients.
With a tool called "equity repositioning" a client
may be able to eliminate all or most of their
consumer debt through a debt consolidation refinance
of their home or other real estate. In most cases
this will free up monthly cash flow of from $500 to
$1,500 or more. Here are ways that this strategy can
enhance your business:
- Clients that need to restructure their debt to
allow monthly contributions into an insurance
product.
- In the event that a person may think of canceling
an existing policy due to "tough times", or they are
going through a "financially LEAN cycle", the client
may consider an equity repositioning strategy to
allow the insurance to remain a very important part
of their portfolio.
To view a letter our Preferred
Insurance Providers can use, to give their clients
other options besides canceling their policy, Click
Here.
- An Insurance Professional/Financial Planner may
want to semi-annually send out a joint marketing
piece promoting a "debt evaluation check up."
- Insurance and Financial Planning Professionals
need to maximize their clients' retirement planning
potential. To view the Equity Repositioning report,
and how it can benefit you by improving your
clients' monthly cash flow (thereby decreasing their
need to cancel/liquidate their investment, and
giving them more discretionary income to invest into
retirement accounts). To see a sample report:
In addition, Insurance Professionals grow their
business & income by maintaining their current
client database, even if those clients move on to
different products. For example, clients that are
currently renting will be buying sometime in the
near future, moving from renter's insurance to
homeowner's insurance. Many of our Preferred
Insurance Providers maintain their relationships by
mailing a quarterly marketing piece, referring those
interested in purchasing a home to us. We will, of
course, then refer the clients back to that
Preferred Provider for insurance services.
We have developed long term relationships with
Insurance Professionals, who have realized the true
value of this service to their clients & themselves,
and have referred their clients to us. In return, we
now ask our clients at closing if they are currently
working with an Insurance Professional; if not, and
they're in need of Insurance services, we will refer
them to our Preferred Providers, thereby returning
the referral favor.
Click here to view the special form we created
for this purpose; it accompanies each and every
loan application we send out or take in person.
Using this form provides us with the information
that can help grow your business!
In addition to the services we provide to our
Preferred Affinity Providers, we also help maintain
their past client loyalty through our
Client
Retention Contact Program, therefore increasing
their monthly business & monthly income. To see how
we help our Providers businesses grow through this
program, Click Here.
We only team up with proven professionals with
the highest ethical standards who have demonstrated
a desire to work in their clients best interest. If
you feel you meet these standards, please
apply now to join
our elite team of Professional Providers.
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