How to use MoneyGuard II to help your 65 year old client plan for Long Term Care.

Jerry Thomas Case Study, Financial Planning, Life Insurance, Lincoln Financial, Linked Benefit Product, Long Term Care Insurance, Male Age 65, MoneyGuard, MoneyGuard II 0 Comments

Long Term Care can drastically change how quickly assets are used up during retirement. 70% of people age 65 today will need some sort of Long Term Care. The average length of care for a male is 2.2 years and the average length of care for a female is 3.7 years. The average cost of a nursing home in the …

How can you use Mutual of Omaha’s Guaranteed Refund Option Rider to create $0 cost life insurance?

Jerry Thomas Advanced Planning, Business Planning, Case Study, FIT Credit, Guaranteed Refund Option, Life Insurance, Mutual of Omaha 0 Comments

Guaranteed Refund Option Rider Overview If the client no longer needs their coverage, Mutual of Omaha’s GUL and GUL Plus policies have a Guaranteed Refund Option rider. This option provides the client with seven 60-day windows in which they can receive their premiums back – up to 50 percent at the end of year 15 and up to 100 percent …

You’re Invited! Carrier Round Table Workshop Thursday, May 19th, 2016

Jerry Thomas Advanced Planning, AIG - American General, Business Planning, Carrier Round Table Wokrshop, Impaired Risk Underwriting, J.L. Thomas & Company Events, Life Insurance, Lincoln Financial, Linked Benefit Product, MoneyGuard, Protective Life, Prudential, Supplemental Retirement Planning 0 Comments

Workshop Overview J.L. Thomas & Company will be hosting a Carrier Round Table meeting. This meeting will give you the opportunity to meet with carrier regional vice presidents (RVPs) to review trending sales ideas, services available to help your clients, and an overview of their underwriting advantages. Guests will be organized into groups of 5-8 and meet with each Round …

How to use Required Minimum Distributions (RMDs) to create a legacy.

Jerry Thomas Advanced Planning, IRA Stretch Planning, Life Insurance, Multi-Generational Strategy, Protective Life, Required Minimum Distributions - RMDs 0 Comments

How to use your RMDs to create a larger estate for your kids and grand kids, to create a lifetime of giving. So you have two clients who are now age 70 and they are asking you what they should do with their RMDs they have to start taking. Their current plan is to gift it to their children with …

5 products changing the Long Term Care conversation.

Jerry Thomas AIG - American General, Asset Care I, Life Insurance, Lincoln Financial, Linked Benefit Product, Long Term Care Insurance, MoneyGuard, Nationwide, NLG SUL II LTC Rider, OneAmerica, Protective Extend Care Rider, Protective Life 0 Comments

5 products changing the Long Term Care conversation. These products are being used to help clients plan for a potential long term care event. What makes these options most attractive is that these products provide flexibility and benefits that traditional long term care does not always provide… Guaranteed Level Premiums –┬áDeath Benefit Option Return of Premium –┬áCoverage for Multiple Insureds …

Non-Smoker rates for Cigar Smoker, Pipe Smoker, Nicotine Gum, Dip, Chew, E-Cigarette, and Marijuana users.

Jerry Thomas 1 Page Life Insurance Application, Chewing Tobacco, Cigar Smokers, e-cigarette, Easy Term Insurance, Impaired Risk Underwriting, JLTexpress App, Life Insurance, Marijuana Users, Non-Smoker Rates for Tobacco Users, Prudential, Term Life Insurance 0 Comments

Prudential Non-Smoker Plus With Prudential your clients are able to qualify for Non-Smoker Plus rates even with weekly use of non-cigarette nicotine and/or marijuana products. The rules are… The client must admit it usage on the application. The client can test positive in the labs for nicotine and/or THC and receive Non-Smoker Plus rates as long as they do not …

3 ways to increase term life insurance sales… and how to make it easier to process.

Jerry Thomas 1 Page Life Insurance Application, AIG - American General, Banner Life - Legal & General America, Cincinnati Life, Easy Term Insurance, Insurance Company, JLTexpress App, Life Insurance, MetLife, Mutual of Omaha, Principal Financial, Protective Life, Prudential, Term Life Insurance, VOYA 0 Comments

We want life insurance on all of our clients and we also want it to be easier to process. There are a couple ways to make it easier right from the beginning. ┬áConsider these 3 things when writing term insurance. Quote multiple carriers the first time around. Clients want to know you can offer them the same low rates they …