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- Columbia’s Life Insurance Subcontractor
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- I am an Independent Life Insurance Broker
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- You may have Life Insurance
Sales passing you by…
I can work these cases for you
YOU GET PAID 50%
OF THE COMMISSION
JUST FOR THE REFERRAL!
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- Mortgage Brokers
- Bank Representatives
- CPA Firms and Independent CPAs
- Law Firms
- Other Insurance Agents Including:
- Life Agents who want to subcontract work out
- Property & Casualty Agents & Agencies
- Life & Health Agents who work mainly in Health Insurance
- Financial Advisors
- Investment Representatives & Firms
- Realtors & Real Estate Consultants
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The life insurance industry has gotten increasingly competitive
over the past 10 years.-
It is rare to come across a life insurance agent that specializes
in Life Insurance only.
Life Insurance agents, for the most part, have had to diversify
their portfolio for reasons such as competition on the internet like
“LifeQuotes.com”, competition with “Matrix Direct” type companies, and
competition from captive agents that work for companies such as State
Farm or Nationwide.
This competition has made it very hard for an Independent Agent
to win the business of the client and to stay abreast of important
issues in the marketplace.
To pay the bills, Agents who were formerly concentrating
on Life Insurance only have taken the focus off of the pure
life insurance sales approach.- This diversification has
spread the Independent Agent’s
resources too thin as they are no longer able to spend
their
time keeping abreast of the Life Insurance Industry. Often
times, the agent’s time is spent working on group health
insurance, claims, Medicare supplements, or the like.
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When a life insurance case comes along, the Agent may not have
the ability on their own to do whatever it takes to make the sale like:
- Shopping the case for the best price available
- Preliminarily underwriting the case
- Product knowledge
- Ordering Parameds
- Medical record tracking
- Client follow-up
- Policy Delivery
That’s where I come in!
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The Life Insurance Industry is very lucrative yet very dynamic
and competitive…there is lots of money to be made that you may be
leaving on the table!
Every year there are less and less licensed Agents who
understand the concepts and resources completely enough to stay
competitive.
I can help you tap into this wealth
by offering expert assistance in the sale.
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- Do you or your associates ever encounter clients that need Life
Insurance?
- Are you licensed to sell Life Insurance but are not making many Life
Insurance Sales?
- If you are trying to make life insurance sales, are you frustrated with
the process?
If so, then I can help you increase
Life Insurance Sales while
completely relieving you of the
red tape involved…
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- You have a client that needs Life Insurance…
- You collect:
- The Client’s Name
- The Client’s Contact Information
- You give me the Client’s contact information.
- I contact the client, work the case completely from quoting, to
application, to processing, to delivery of the policy.
- You receive 50% of the Agent Commission in the form of a check from the
Insurance Company.
- You have a “lead” à I work the “lead” à We split the commission
It’s That Easy!
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- The biggest assumption is that you:
- Do not have the desire to work these Life Insurance Cases.
- Do not have the time to work these Life Insurance Cases.
- Have not kept up with the increasingly competitive Life Insurance
Market
- How many cases are you losing to the competition?
- In order for us to split commissions, you must have a valid S.C. Life
Insurance License.
- Once I close the sale, your check and my check will be coming from the
Insurance Company - No monetary ties to me
- There is no need for you to get “pre-appointed” with any of the Life
Insurance Companies that I will present to the client.
- I will quickly and easily get you appointed with whatever company fits
your client’s needs when the client applies for coverage.
- There are NO COSTS involved in this process.
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- I am an Independent Broker.
- I can sell just about any company’s products.
- I keep my finger on the pulse of the Life Insurance Industry.
- I am a third generation Life Insurance Salesman.
- I regularly attend continuing education seminars.
- I can personally offer some of my own client oriented, group
presentations with topics like:
- Term Insurance Vs. Permanent Insurance
- Whole Life Vs. Universal Life
- Underwriting for Impaired Risk Clients
- Shopping The Preferred Market
- I am rarely outsold on price or product!
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- Here’s an example of a
typical case:
Mr. Jones is a male, non-smoker, age 55 with well controlled type
2 diabetes. Mr. Jones needs
$500,000 of 15 year term because he just got a business loan. I determined that the best company for
Mr. Jones’ situation would be Banner Life, an A++ rated company. Mr. Jones’ annual premium is ~$2,000
per year with Banner. The
soliciting agent’s (that’s You and Me) commission with Banner Life is
75% of first year premium. So,
total agent commission on this case is $1,500 (first year only).- You would receive your 50% of the agent’s commission ($750).
$2,000 X 75% = $1,500 (Total Commission)/2 = $750
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There are dozens of insurance companies out there. Which one is the best choice for your
client? This is one of the
benefits of getting me to work the case – I have worked with all of
these companies and more. Here
are a few of the select carriers that I frequently write business with:
- AIG (American General)
- Genworth (Formerly GE, First Colony Life)
- United of Omaha (Sister company to Mutual of Omaha)
- Principal Life
- US Financial Life
- Empire General Life
- West Coast Life
- Banner Life
- Cotton States Life
- North American (NACOLAH)
- Zurich Kemper
- Jackson National Life
- Lincoln National Life
- Jefferson Pilot
- And many more!
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- Life Insurance Products:
- Term
- Return of Premium Term (ROP Term)
- Universal Life (Fixed UL)
- Universal Life (Indexed UL)
- Survivorship Universal Life (SUL)
- Second to Die Term
- Whole Life
- Limited Pay or “Paid Up” Permanent Plan Design
- Preferred Risk Market – Best “price” shopping and proficiency
- Impaired Risk Market – Access and associations with underwriters and
medical directors. Full-time
underwriting experience.
- Final Expense Market – Guaranteed Issue and Simplified Issue; I can
offer policies that require no medical questions!
- Jumbo Case Market ($10,000+ in Annual Premium) – Leverage My business
relationships and “pull” with several jumbo case market companies
(Principal, Jefferson Pilot, Jackson National, Etc.)
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Ready to talk business?
Have Questions?
Contact me and we can sit down and talk about the details.
I am available almost every day for a working lunch.
- I look forward to helping you!
L. Ashley Brooks, CLTC
1411 Barnwell Street, Columbia S.C. 29201
(800)223-2762 | (803)254-2215 |
Cell (803)331-LEAD
On the web at www.AshleyBrooks.info
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Notes
