Did You Know?
Weekly Insurance Sales Tips & Tools

Did You Know is a weekly Life and Living Benefits Insurance Tips & Tools e-mail to remind or help you with the nuances of selling and servicing your client’s insurance needs.

Helena has some terrific advice in her newsletters. Her content is clear and valuable.
Wayne Cotton, Cotton Systems Inc.

I believe what you bring to the table is invaluable for today’s advisors as no one
is providing this type of training, guidance and assistance.
Art Robson, 40 yr Insurance veteran & Top of the Table Producer

I find your Insurance Know-How articles very informative and helpful even though I am in the Insurance business for 39 1/2 years. Thank you. Enayat Michael Ali, CFP, CLU, CH.F.C., EPC

I cannot miss this opportunity to thank you for your sound articles that I have been reading and learning from for the past few weeks. I am an accountant, almost ready to retire now due to health issues, so it is a little late in the day for me, but I do hope that you will be gracious enough to permit me to quote from them from time to time to my younger relatives, with acknowledgements to you of course. If I had known about you earlier, I would have chosen insurance as a career and benefited from your wisdom and guidance.
With warm regards, Amir

• Painless Prospecting with a Fish Bowl – REALLY!

  Dd you know that all you need is a fish bowl to create a successful prospecting system?

• “I don’t believe in life insurance.”

  Did you know that Canadians received more than $1.2 BILLION A WEEK in benefits paid out by Canadian Life Insurance companies and that over 90% of the payments went to living policyholders with the remainder paid out as death benefits?

• Another Asset Class – Assigned Life Insurance Policies

  Did you know that not only can policy loans affect everything, but so too can assigned life insurance policies?

• Decreasing Term to 100

  You can view indebted whole life insurance policies (both Par & Non Par) as decreasing Term to 100

• LifeAssist and Canadian’s Policy Loans

  In Canada 72% of policy owners with policy loans are over age 50 and they bought the indebted policy before 1999

• About the Kids – Part 2

  If parents absolutely do NOT need the life insurance proceeds they can use it in any number of ways to benefit others. They can set up a bursary or scholarship in their child’s name or make a significant charitable donation. Money = choices.

• About the Kids

  An advisor in one of my training sessions said, “I think that selling life insurance on children is the sickest thing I’ve ever heard of.” Before I could say anything, another attendee asked to speak to that. When he finished talking you could have heard a pin drop.

• The Boston Marathon Bombings

  None of us know how we will deal with such catastrophic loss until it happens

• Ben Feldman on Product Suitability

  Greatest life insurance sales people have the ability to find the problem and state it simply

• Lessons from the Greatest Life Insurance Salesman Ever – Part 4

  Did you know that Ben Feldman’s legacy as the greatest salesman of all time is not only in the amount of insurance he sold, but in the example he set? He would do 30 – 40 walk-in cold calls per week, work 12 – 13 hours a day, 6 or [read more]

• A Ben Feldman Strategy for Getting Life Insurance Sales Appointments – Part 3

  Did you know that Ben Feldman not only used real $1,000 and $10,000 bills to close his life insurance sales meetings, but that he also used real $100 bills to get appointments?

• 13 Successful Life Insurance Sales Secrets – Part 2

  Ben Feldman, the greatest insurance salesman of all time was not only the master of the KISS formula but also a master of self management.

• 13 Successful Life Insurance Sales Secrets – Part 1: Mastering the KISS System

  Ben Feldman, the greatest insurance salesman of all time, was the master of the KISS system

• Growing Your Insurance Business Organically

  A simple way to grow your life insurance business organically is to develop stronger and deeper relationships with the wives of your male clients

• Substantial Presence Test, Life Insurance Ownership, & USA Estate Taxes for Canadians

  Canadians can unwittingly be deemed to be a USA resident for estate tax purposes by failing the Substantial Presence test.

• Life Insurance Ownership & USA Estate Taxes for Canadians

  Did you know that the ownership of a life insurance policy can form part of a Canadian’s world-wide estate for the purposes of calculating USA Estate taxes?

• USA Estate Taxes for Canadians Are Back

  Did you know that unless further legislation is enacted this year, the USA estate tax for deceased Canadians owning tangible American property has been reinstated for estates of over $1 million U.S.?

• Dying Out of Country & Your Life Insurance Needs Analysis

  Did you know it can be very expensive to die while traveling out of your home country? While it is almost second nature for most people to buy travel insurance now, think about the following checklist and list of 10 questions when doing your next life and living benefits needs analysis!

• When Premiums Exceed the Death Benefit

  Some advisors think there is something wrong with life insurance policies when the premiums paid to date exceed the face amount of the contract.

• Mitigating a Life Insurance Death Claim Investigation

  Adding three questions to your life insurance policy review process you can significantly mitigate a life insurance death claim investigation