Getting Your Prospect to Think About Longevity, and Longevity Calculators

By Stephen Horvath, Annuity Brokerage Director at Partners Advantage Insurance Services, LLC

How often do you search for a way to get the conversation with a prospect rolling on the right track, particularly taking the discussion into retirement planning territory? You can use the phrases below and the links provided to help shape a thought-provoking conversation and encourage your clients to spend a few minutes “predicting” how long they might live and what a potentially long life could mean.

Since skillful fact finding can lead you to offer correct solutions, why not arm yourself with some thought provoking statements you can use while looking your prospect in the eye across that proverbial kitchen table? Statements like: 

“Let me ask you this. Do you come from a family that has a history of living into their eighties or nineties, or beyond?” 

“Has anyone in your family ever lived to age 100 or more?” 

“Do you have expectations of being the oldest living member in your family?” 

“If I asked you how many years you think you will live in retirement, what would you say?” 

And, conclude with this: 
“Would you be interested in checking out some fun websites that may help you estimate how many years you might continue to live?” 

Usually, the answer will be in the affirmative, so here are those websites – generic in nature – that you can share with clients to play that guessing game that everyone wants to know about but might be afraid to ask … what IS my longevity? 

LONGEVITY CALCULATORS   (click on the link or copy and paste to your browser)

• www.bluezones.com
• www.northwesternmutual.com/learning-center/the-longevity-game.aspx
• www.livingto100.com/calculator
• www.ssa.gov/planners/lifeexpectancy.html

NEXT STEPS
Now that you’ve opened the door to get your prospect thinking about their longevity, you can move to a more comprehensive deep dive into their overall financial situation and talk about their levels of planning, and protection to make those years in the future as well planned as possible.  This is where your Partners Advantage Brokerage Director can be your best friend, arming you with more comprehensive fact finders, as well as programs like Retirement Analyzer or our proprietary The PILLAR System. 

You can rely on us to guide you to more successful sales. Call us today at 888-251-5525, Ext. 700.

For financial professional use only. Not for use with consumers.

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Five Steps That Could Potentially Grow Your Business

By: Michael Macias, Relationship Coordinator at Partners Advantage Insurance Services, LLC

Here are five steps that could potentially help put you in front of more clients and grow your business by fully engaging a referral mindset. This will benefit your current clients, future prospects, and even the network of other financial professionals you work with on a regular basis.

Step 1: Make a Decision and Throw Out the HeadTrash¹
Before developing your referral strategy, you need to make a decision; the decision that you want to be in front of more clients and you are willing to put forth the effort that can potentially create the success you want to achieve.

Step 2: Develop and Work a Process
Developing a process needs to be customized in a way that works for you and your unique business model, but inflexible enough so that you will stick to it.

Step 3: Develop “Referral” Networks
Have you ever thought of giving referrals yourself? What if giving those referrals equated to you receiving referrals in return?

Step 4: Harness the Power of Expectation
Rather than be hopeful of getting referrals, be expectant. Would you agree going into any situation expecting a certain outcome would increase the chances of that outcome actually happening?

Step 5: Rinse, Repeat, and Monitor Results
The final step in the process is bringing it all together. Monitor your process over time for results based off of the action items you have taken. Are you getting the results you are “expecting”?

Putting forth effort into this process can help create a profitable referral strategy. When combined with your overall business model and prospecting strategy, you can create a solid foundation where your referral network and business can continue to grow. Get the full article titled, "Developing a Referral Mindset" by completing the form below.

Contact Michael Macias, Relationship Coordinator for additional creative ways to ask for referrals: 888-251-5525, Ext. 389. 

¹headtrash911.com

FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.

This material is intended to provide general information only. It is not intended to render legal, accounting, Social Security or tax advice, and the services of those professionals should be sought. Financial professionals who utilize this material may be able to identify potential retirement income gaps and introduce products, such as fixed annuities, as potential solutions. The testimonial may not be representative of the experience of other financial professionals and is no guarantee of future success.

Always follow your firm’s policies and procedures regarding review and use of third-party templates, creation and distribution of client and prospect materials, hosting of client and prospect events, offering giveaways or prizes, and your firm’s employment process.

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Key Services Critical To The Success of Your Business — Launch Into 2018 with the Right Partnership

The start of 2018 has come and gone throwing us into the midst of a New Year! Is your agency ready for whatever may come your way?

Partners Advantage has been reflecting on 2017, where we were fortunate to experience a prosperous year, with just over $1 billion in annuity sales and $50 million in life sales. Were you able to reach your goals?

We can help make 2018 YOUR year with a business plan for you and your agency. Partners Advantage has the formula you need to make growing your business easy. We accomplish this with our cutting-edge sales technology, vast experience and dedicated support. We’ll provide you with new sales opportunities and further your development with valuable training and education.

These key services provide a critical link to the success of your business, including:

• Personal Marketing Consultants
• Personal New Business Specialists
• Sales & Marketing Systems
• In-House Underwriting Team
• Compliance and Suitability Team
• Advanced Markets Consultants

Everything we do begins and ends with our agent’s best interest in mind - let us show you how we can make a difference in your life - and your client’s lives.

Partners Advantage is here to help grow your business, provide new sales opportunities and further your development. Contact us to learn how we can turn our 25 years of experience into your success at 888-251-5525, Ext. 700, or complete the form below and a member of our team will contact you.



For financial professional use only. Not for use with consumers.

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Client Reviews: Help Your Clients Be Prepared For Life Changes With A Policy Review

Do you have clients who are getting married? Buying a house? Having grandchildren? Recently widowed? Acquiring assets?

Right now is the time to begin scheduling a policy review for 2018. An essential component of the life insurance sales process is periodically reviewing the coverage to make sure it is addressing your clients' current needs. Many people assume their protection is sufficient and appropriate for the duration of their lives. However, life changes, and a client's life insurance plan should adapt as well.

Have your clients' needs changed?

With a client review, you can help your clients make use of their premium payments and accumulated cash values. Position yourself as a reliable financial professional. Complete the form below and we'll provide you with three marketing pieces: life events checklist, life insurance client review, and a case study. These three items can help you explore the client review process and put it to work to help you further grow your sales. 

Start now, and help your clients meet their financial protection goals today and into the future. 



We are available to you by phone 12 hours each business day - 7 a.m. to 7 p.m. Central. 
For financial professional use only. Not for use with consumers.
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