{"id":469,"date":"2016-05-11T21:35:18","date_gmt":"2016-05-11T21:35:18","guid":{"rendered":"http:\/\/www.himmelsteinfinancial.com\/?p=469"},"modified":"2016-05-11T21:35:18","modified_gmt":"2016-05-11T21:35:18","slug":"simplified-issue-competitive-term-with-excellent-commissions","status":"publish","type":"post","link":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/simplified-issue-competitive-term-with-excellent-commissions\/","title":{"rendered":"Simplified Issue Competitive Term with Excellent Commissions"},"content":{"rendered":"

\"blogimage1\"<\/h4>\n

The Operative words are EASY and QUICK.<\/h4>\n
\n

Companies are finally coming to the market with EASY issue term that doesn’t require the usual hassle of APS’s, blood or urine. In addition, your cases will get issued in less than a week in most situations. Best of all unlike other companies in the simplified issue marketplace, these rates are extremely competitive and beat many of the leaders in the underwritten term space. One does not have to force their clients to have an inferior product from the usual competitive company products, and\u00a0 the Preferred<\/em> & Preferred Plus<\/em> are still available using these products. All of this WITHOUT commission cuts!<\/strong><\/p>\n

The Benefits of these programs are:<\/h4>\n
    \n
  1. Incredibly low premiums with streamlined underwriting.<\/li>\n
  2. Shorter underwriting time because APS’s and fluids (blood and urine) are not required.<\/li>\n
  3. You make more in shorter period of time.<\/li>\n
  4. You do not need a lot of other staff for this program to work.<\/li>\n
  5. Go from selling to sold in three simple steps<\/li>\n<\/ol>\n

    Of course you are wondering: What is the catch??<\/em><\/h4>\n

    The catch is that you have to follow the procedures to get this done right, quickly, and efficiently.<\/span> These companies worked very hard at their systems to handle this business so there is no re-inventing the wheel in this process.<\/p>\n


    \n\"hancock\"\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \"lincoln\"<\/center>
    \nThere are 2 new programs on the market issued by 2 A + companies, who are leaders in the Life Insurance space. Lincoln Financial and John Hancock are these two companies. However , we will highlight Lincoln in this article because they have more approvals in more states and their program seems easiest. Lincoln’s threshold for this program is $500,000 and John Hancock is $1,000,000.<\/p>\n

    The attachments tell the whole story for Lincoln. They include:<\/p>\n

      \n
    1. The Client Guide<\/li>\n
    2. The Comparison with the competition and appropriate rates<\/li>\n
    3. How does the process work ?<\/li>\n
    4. The Underwriting guide<\/li>\n
    5. Preparing your client for the Tele-app process<\/li>\n<\/ol>\n

      This is very timely as Genworth goes out of the life insurance business. They had an OK program that allowed your client to get good rates, however their process, as easy at it sounded, still required full exams. We all know how full exams can screw up your business especially when they are taking blood and urine from your client.<\/p>\n

      \n","protected":false},"excerpt":{"rendered":"

      The Operative words are EASY and QUICK. Companies are finally coming to the market with EASY issue term that doesn’t require the usual hassle of APS’s, blood or urine. In addition, your cases will get issued in less than a week in most situations. Best of all unlike other companies in the simplified issue marketplace, […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":""},"categories":[1],"tags":[],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/pdUwpZ-7z","jetpack-related-posts":[{"id":636,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/underwriting-basics\/","url_meta":{"origin":469,"position":0},"title":"Underwriting Basics","date":"04\/12\/2017","format":false,"excerpt":"Underwriting At Its' Best in the Current Market If you have been in the business for a longer period of time, over 10 years, then you have seen significant changes in underwriting.\u00a0 What you experienced in the past should not necessarily be a sign of the future. Companies now use\u2026","rel":"","context":"Similar post","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":576,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/pot-smokers-can-get-preferred-non-smoker-rates\/","url_meta":{"origin":469,"position":1},"title":"Pot Smokers can get Preferred Non Smoker Rates","date":"09\/28\/2016","format":false,"excerpt":"\u00a0 That's right the headline speaks for itself.\u00a0\u00a0 Many states have either legalized pot for medicinal purposes and some states have allowed using it for recreational use as well. \u00a0 In the past it was a no-no for anyone even applying for insurance to ever admit that they smoke weed\u2026","rel":"","context":"Similar post","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":597,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/business-mortgage-leads-program\/","url_meta":{"origin":469,"position":2},"title":"Business Mortgage Leads Program","date":"01\/04\/2017","format":false,"excerpt":"Many of us in\u00a0the business have called on personal mortgage leads, which does not require life insurance.\u00a0 However, to get an SBA loan the government requires life insurance.\u00a0 Some banks actually require additional disability insurance (special kind) to collateralize the loan.\u00a0 This is spelled out on our www.sbasuperclose.com and www.practiceloanins.com\u00a0\u2026","rel":"","context":"Similar post","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":772,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/secrets-of-underwriting\/","url_meta":{"origin":469,"position":3},"title":"Secrets of Underwriting","date":"02\/07\/2018","format":false,"excerpt":"Some Underwriting Secrets There are certain companies to go for certain conditions. We know companies that favor people with Heart Disease, diabetes, cancer,etc. We have one company that has given us a standard issue on cases like Parkinson\u2019s, Juvenile Diabetes, Stent patients, Minor cardiac Issues, Former Hep C, and even\u2026","rel":"","context":"Similar post","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":775,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/financial-underwriting\/","url_meta":{"origin":469,"position":4},"title":"Financial Underwriting","date":"02\/07\/2018","format":false,"excerpt":"Financial Underwriting: When one is writing those larger cases and even some smaller ones the advisor agent can\u2019t assume just because the client wants it that the insurance company will accept the client for what they apply for.\u00a0 Just like a mortgage the company wants to know if the client\u2026","rel":"","context":"Similar post","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":502,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/abr-ltc-cc-tc\/","url_meta":{"origin":469,"position":5},"title":"ABR-LTC-CC-TC Explained","date":"06\/02\/2016","format":false,"excerpt":"ABR, LTC, CC, TC, and other confusing abbreviations Long Term Care in the past was the only way one could get coverage for extended stay or services relating to Convalescent Care or Supervised Care. Life Indemnity Critical Care, ABR and LTC Riders are most talked about today because if added\u2026","rel":"","context":"Similar post","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]}],"_links":{"self":[{"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/posts\/469"}],"collection":[{"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/comments?post=469"}],"version-history":[{"count":2,"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/posts\/469\/revisions"}],"predecessor-version":[{"id":471,"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/posts\/469\/revisions\/471"}],"wp:attachment":[{"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/media?parent=469"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/categories?post=469"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/tags?post=469"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}