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8/17/2019 Life Sales Process
1/29
Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed inNew York. In New York, life insurance is underwritten by Companion Life Insurance Company,Hauppaue, NY !!"##$%&'(.
Breathing New Life Into Your Customers ) new approach to marketin life
insurance
8/17/2019 Life Sales Process
2/29
Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed inNew York. In New York, life insurance is underwritten by Companion Life Insurance Company,Hauppaue, NY !!"##$%&'(.
Why People Buy Insurance
They haveThey have
needs.needs.
Source: LIMRA International
8/17/2019 Life Sales Process
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Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed inNew York. In New York, life insurance is underwritten by Companion Life Insurance Company,Hauppaue, NY !!"##$%&'(.
Why Don’t They Buy?
You haveYou have
solutions.solutions.
*ource+ LI-) International
8/17/2019 Life Sales Process
4/29
Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed inNew York. In New York, life insurance is underwritten by Companion Life Insurance Company,Hauppaue, NY !!"##$%&'(.
You should have the ey todominate this maret!
W"#T I$ $T%PPIN& Y%'?
8/17/2019 Life Sales Process
5/29
Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed inNew York. In New York, life insurance is underwritten by Companion Life Insurance Company,Hauppaue, NY !!"##$%&'(.
%()ections to $elling *i+e Insurance
!. Life insurance sale too complicated
%. It is too difficult to et someone to understandthe need and then act
'. Could possibly lose credibility if sale oes bad
8/17/2019 Life Sales Process
6/29
Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed inNew York. In New York, life insurance is underwritten by Companion Life Insurance Company,Hauppaue, NY !!"##$%&'(.
*i+e $ales Process
8/17/2019 Life Sales Process
7/29
Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed inNew York. In New York, life insurance is underwritten by Companion Life Insurance Company,Hauppaue, NY !!"##$%&'(.
*i+e $ales Process
8/17/2019 Life Sales Process
8/29
Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed inNew York. In New York, life insurance is underwritten by Companion Life Insurance Company,Hauppaue, NY !!"##$%&'(.
8/17/2019 Life Sales Process
9/29
Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed inNew York. In New York, life insurance is underwritten by Companion Life Insurance Company,Hauppaue, NY !!"##$%&'(.
$ample ,mail to Customer
8/17/2019 Life Sales Process
10/29
Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed inNew York. In New York, life insurance is underwritten by Companion Life Insurance Company,Hauppaue, NY !!"##$%&'(.
*i+e $ales Process
8/17/2019 Life Sales Process
11/29
Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed inNew York. In New York, life insurance is underwritten by Companion Life Insurance Company,Hauppaue, NY !!"##$%&'(.
8/17/2019 Life Sales Process
12/29
Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed inNew York. In New York, life insurance is underwritten by Companion Life Insurance Company,Hauppaue, NY !!"##$%&'(.
8/17/2019 Life Sales Process
13/29
Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed inNew York. In New York, life insurance is underwritten by Companion Life Insurance Company,Hauppaue, NY !!"##$%&'(.
8/17/2019 Life Sales Process
14/29
Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed inNew York. In New York, life insurance is underwritten by Companion Life Insurance Company,Hauppaue, NY !!"##$%&'(.
Client $cenario
Dale arried /wo children 0" and &1 2rimary income earner 3ife consults on the side
ortae $ 4%'',555 Has 4665,555 of e7istin life
life insurance co8erae
8/17/2019 Life Sales Process
15/29
Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed inNew York. In New York, life insurance is underwritten by Companion Life Insurance Company,Hauppaue, NY !!"##$%&'(.
%,655
655
%,555
'5(,'!'
'5(,'!'
%'',555
6,555
!6,555
!6,555
'6,555
8/17/2019 Life Sales Process
16/29
Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed inNew York. In New York, life insurance is underwritten by Companion Life Insurance Company,Hauppaue, NY !!"##$%&'(.
'5(,'!'
'6,555
%'',555
%!',6!#
%!',6!#
6"%,'!'"#6,#'!
665,555
%'6,#'!
#5.55
8/17/2019 Life Sales Process
17/29
Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed inNew York. In New York, life insurance is underwritten by Companion Life Insurance Company,Hauppaue, NY !!"##$%&'(.
*i+e $ales Process
Needs based flyer sent *end consumer fact finder
Option
1:
Consumer fact finder sent-espond with timeline for
recommendations
Option2:
8/17/2019 Life Sales Process
18/29
Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed inNew York. In New York, life insurance is underwritten by Companion Life Insurance Company,Hauppaue, NY !!"##$%&'(.
*i+e $ales Process
Options should be:
Based on client response Ready before meeting Reasons for options should be identied
%ther tools you should have- 2roduct hihliht sheets -e8iew product hihlihtbrainsharks -ecommendation 3orksheetcompleted prior to meetin
8/17/2019 Life Sales Process
19/29
Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed inNew York. In New York, life insurance is underwritten by Companion Life Insurance Company,Hauppaue, NY !!"##$%&'(.
In it +or li+e. In it +or you.
8/17/2019 Life Sales Process
20/29
Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed inNew York. In New York, life insurance is underwritten by Companion Life Insurance Company,Hauppaue, NY !!"##$%&'(.
/inancial $trength
/rusted utual companysince !&5&
*uccess built on 8ision
and performance
).. 9est Company
): 0*uperior1 oody;s In8estor *er8ices
)a'0
8/17/2019 Life Sales Process
21/29
Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed inNew York. In New York, life insurance is underwritten by Companion Life Insurance Company,Hauppaue, NY !!"##$%&'(.
Term *i+e ,0press 1T*,2
Complete portfolio of !6, %5 and '5year products
$impli+ied issue up to 34556555
= No Blood6 No 'rine6 No Paramed >our riders?pro8isions included with
policy = -esidential @amae 3ai8er of 2remium -ider = Unemployment 3ai8er of 2remium -ider = )ccelerated @eath 9enefit 2ro8ision = Common Carrier @eath 9enefit 2ro8ision
#vaila(le on the i&% e7#pp$8 97day issue +or :clean’ applications
8/17/2019 Life Sales Process
22/29
Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed in
New York. In New York, life insurance is underwritten by Companion Life Insurance Company,Hauppaue, NY !!"##$%&'(.
Term *i+e #nswers$8
&uaranteed *evel Term
Competiti8e ratesA aes (5 $ B5 = reat smoker rates
Liberal con8ersion opportunities
#vaila(le on i&% e7#pp$8 ; Speed eTicet$8 plat+orms
Commissions on policy fees for faceamounts under 4%65,555.
Other Insured -ider
8/17/2019 Life Sales Process
23/29
Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed in
New York. In New York, life insurance is underwritten by Companion Life Insurance Company,Hauppaue, NY !!"##$%&'(.
/it Credit Program
)pplies to all +ully underwritten T,=8; 'NI>,=$#* life products
Three characteristics @ Ta(le Credit
/ive characteristics A Ta(le Credits
The (est case +inal o++er is $tandard
reat for build D @iabetes clientele
!% Lifestyle and medical credits apply
8/17/2019 Life Sales Process
24/29
Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed in
New York. In New York, life insurance is underwritten by Companion Life Insurance Company,Hauppaue, NY !!"##$%&'(.
&uarantee 'niversal *i+e 1&'*2$econdary &uarantee 'niversal *i+e
Competiti8e lifetime le8el premiums
= 2referred N/, *tandard N/, and*tandard /obacco
= )es 65 = "5 = 4655,555 and 4!,555,555 bands
Competiti8e dial down uarantees
8/17/2019 Life Sales Process
25/29
Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed in
New York. In New York, life insurance is underwritten by Companion Life Insurance Company,Hauppaue, NY !!"##$%&'(.
3hy @ial @ownE
uarantee their premium for a period closer to their actual lifee7pectancy
Offer competiti8e premiums,
8/17/2019 Life Sales Process
26/29
Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed in
New York. In New York, life insurance is underwritten by Companion Life Insurance Company,Hauppaue, NY !!"##$%&'(.
*i+e $ales Process
Term Life
Answers
Fillable application available for all products
Term *i+e ,0press
Term *i+e #nswers
8/17/2019 Life Sales Process
27/29
Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed in
New York. In New York, life insurance is underwritten by Companion Life Insurance Company,Hauppaue, NY !!"##$%&'(.
*i+e $ales Process
8/17/2019 Life Sales Process
28/29
Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed in
New York. In New York, life insurance is underwritten by Companion Life Insurance Company,Hauppaue, NY !!"##$%&'(.
*i+e $ales Process
8/17/2019 Life Sales Process
29/29
Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed in
New York. In New York, life insurance is underwritten by Companion Life Insurance Company,
*i+e $ales Process