Technology

  • Website
    • Term Quote Engine
      • Needs Analysis Tool
      • XRAE Health Profile Tool
    • Forms
    • Annuity Rate Watch
    • iGo e-App (paperless application system)
    • InsureNow Drop Ticket (Coming Soon!)
      • Bundled Online ‘Application’ System
        • 10-15 Simple Health Questions
        • Determine Best Term Carrier Options
          • Lowest Premium Options Based on Health
        • Simple Pre-Application Process
        • Telephone Interview Completes Application
  • Swift App
    • Quote Term Rates and Begin Application Process on Smart Phone
      • Simple Pre-Application Process
      • Telephone Interview Completes Application

‘Old-Style’ Brokerage

  • On All Applications ‘E’ or Paper
    • Case Management
      • Weekly or Bi-Weekly Updates (as desired)
      • Exam Ordering and Follow-up
      • Medical Records Ordering and Follow-Up
      • Negotiation with Underwriters
      • Informal Application available for pre-underwriting tough medical cases, large cases or cases with competition
        • Best Combination of Product and Underwriting wins case!
      • Answers to Necessary Questions can be obtained via Financial Advisor or Direct to Client (if desired)
      • Professional Packaging of Policies for Easy Delivery
    • Accelerated and Simplified Issue Options Available!

Point of Sale Expertise

  • Insurance Planning and Policy Design
    • Financial Planning vs. Product Based Approach
    • Expertise in Multiple Disciplines
      • Income Protection
        • Life Insurance Needs Analysis
        • Disability Income Insurance
      • Business Protection & Succession Planning
      • Key Man Insurance
        • Buy-Sell Planning
        • Executive Compensation Plans
      • Retirement Planning
        • Pension Maximization
        • Life Insurance Retirement Plans (with Whole, Indexed or Variable Life)
        • Tax Management
        • Life Insurance in Qualified Plans
      • Long Term Care Planning
        • Stand Alone Long Term Care
        • Life with LTC Rider
        • Combination Approach
      • Estate Planning & Wealth Transfer
        • Estate Liquidity Needs
        • Trust Planning
        • Estate Reduction Techniques
        • Gift Tax Planning and Reduction Techniques