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When it comes to financial planning, we all could use a little help. The importance of saving (not only for a rainy day) but for higher education costs, retirement and even possible illness and long-term care are crucial.
Not all of us are star pupils when it comes to the financially fit class, but with the right tools and some planning, you can assist your clients, and help them save for the future. If your clients are asking you about long-term care, disability insurance and life insurance, you can be the one to assist them if you’re already writing Medicare Supplement policies for them. If you’ve already established a rapport and a good relationship with your clients, it’s only logical to offer to help them with other needs they may have. Debt If your clients are saddled with credit card debt, this convenient tool will help them figure out how long it will take to pay off that balance, and find financial peace. The stress of revolving debt is something no one wants, and this tool will put them on the right track to eliminating that debt. Retirement If your clients are still in the workforce and have yet to retire, this calculator asks for some basic math and will give them a plan in the making to realize their retirement dreams. There are even tools to help them figure out how long their money will last once they’re no longer working. This one allows you to enter the proposed withdrawal amounts and will calculate how long your client has before their money runs out. Life Insurance Investing in life insurance is not just smart, it can be very cost effective. Clients with young children and without the resources to provide for their children, should something happen, are best-served by investing in life insurance. Clients often ask “How do I know if I have enough life insurance?” This tool will calculate your client’s needs and his/her spouse’s needs as well. Disability Insurance Many people wonder if they need DI, and if they can afford it, then yes. It not only provides monies at a critical time of need, but offers peace of mind knowing that if something should happen, they’ll have a way to cover their day-to-day expenses. This tool can help you show your client the costs for disability insurance and how much they’ll be able to afford. “Money is what makes the world go ‘round”, as they say. And it’d be fantastic if we didn’t have to have it, use it, or worry about it. As daunting as it may seem to try and create a fiscal plan that fits your clients’ needs, it is indeed do-able. And with the right tools, you can make it happen for them. Help your clients get fiscally fit, and help them prepare for their retirement and long-term needs. By Carolyn Portanova Beginning in June, Cigna will be overhauling their Underwriting criteria, and previously un-qualified applicants will now be able to obtain coverage. Prior conditions, such as Diabetes, Coronary Artery Disease and COPD will now be considered when the application goes to Underwriting. Height and weight will no longer determine coverage for an applicant. And among other newly accepted health-related conditions are Alzheimer's and Parkinson's Diseases. For a complete listing, please click here.  Don't forget these other important and compelling reasons for writing a Medicare Supplement policy with Cigna:
By Carolyn Portanova Effective April 1st, 2015, Mutual of Omaha Insurance Company will be issuing a 12% household discount for North Carolina and Nebraska Medicare Supplement policies. Typically they have offered a 7% household discount in the past. This is an unprecedented amount, and now is the time to offer a Plan F or a Plan G with Mutual of Omaha to your clients. For complete details regarding the household discount, click here. For access to the new North Carolina Outlines of Coverage, please click here.  Don't forget these other compelling reasons for writing a Medicare Supplement policy with Mutual of Omaha:
By Carolyn Portanova Cigna's launching a new program that will earn you more commissions based on your prior Medicare Supplement sales. The program targets your existing Medicare Supplement policy holders, and Cigna trained professionals reach out to them on your behalf, to inform them about Cancer and Heart products that could potentially be a good fit for them. You maintain the 'Agent of Record' status and reap the benefits of additional income. For complete details on the program, click here. To sign up for the program, please click here.  Why does this benefit you?
By Carolyn Portanova |
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