Resources

August 28, 2023HST

NationwidePresents : “Land as Your Legacy” Program (Agricultural Workers)

Join Chris Chertboonmuang, RVP and Timothy Kohl, RVP with Nationwide as they present a special program to help various stakeholders in the agricultural industry (produce delivery, farmers, local produce companies, and more) to both plan for their future and receive underwriting concessions.

Nationwide’s Land As Your Legacy® Program (LAYL) is specifically tailored for agricultural workers, including those involved in food distribution, fishing, and chocolate growing, aims to provide flexible underwriting benefits and support to this vital sector.

The Land As Your Legacy® program, reduces barriers to life insurance. Individuals must disclose tobacco use (chew, snuff, cigars) for the potential non-tobacco rating. Enjoy flexible build rates and a possible 50-credit rating upgrade on build or BMI. APS is only based on age and insurance amount.

View the Webinar Recording

Land As Your Legacy®

Discover the benefits of Nationwide’s program for agricultural workers including food distribution, fishing, and chocolate growing. Get flexible underwriting with the Land As Your Legacy® program.

Learn More

August 21, 2023HST

Life Insurance Riders for the Living

In this informative webinar, we will delve into the versatility of life insurance riders, showcasing how they offer added coverage within a single policy. We’ll explore the benefits and important factors to consider when utilizing riders such as Long-Term Care, Chronic Illness, Critical Illness, and more. Join us to discover the extensive range of living benefits that can greatly benefit your clients.

Who Should Attend:

Insurance advisors aiming to enhance their sales skills by leveraging versatile life insurance riders.
Professionals seeking to strengthen client relationships by offering comprehensive and personalized solutions.
Anyone interested in staying informed about the latest industry updates and trends in life insurance riders and living benefits.

View the Webinar

Accompanying Materials

Speaker: Michael Sato, CLTC®, LUTCF®, FSS

With a proven track record in the industry and a wealth of knowledge in life insurance sales, Michael Sato is an esteemed expert who understands the nuances of the market. His guidance will equip you with the tools needed to stay ahead of the competition and secure long-term success for yourself and your clients.

July 21, 2023HST

Valuable 1035 Exchange Sales Ideas

Join us for an informative and professional online event as we explore powerful 1035 exchange concepts that can supercharge your sales and benefit your clients simultaneously. Our esteemed speaker, Michael Sato, CLTC®, LUTCF®, FSS, Brokerage Manager, will share his extensive expertise and guide you through a range of valuable strategies.

Who Should Attend:

Insurance advisors looking to enhance their sales skills through 1035 exchange strategies.
Professionals seeking to maximize their client relationships and provide tailored solutions.
Anyone interested in staying informed about the latest industry updates and trends in 1035 exchange sales.

View the 1035 Exchange Webinar & Materials

Speaker: Michael Sato, CLTC®, LUTCF®, FSS

With a proven track record in the industry and a wealth of knowledge in 1035 exchange sales, Michael Sato is an esteemed expert who understands the nuances of the market. His guidance will equip you with the tools needed to stay ahead of the competition and secure long-term success for yourself and your clients.

Webinar Overview:

Three sales ideas were presented during the meeting:

Repositioning a failing Universal Life (UL) policy with cash value into a cash value or annuity policy, allowing the client to receive tax-free withdrawals.
Moving cash value from one life insurance policy to an asset-based hybrid long-term care (LTC) policy, offering tax-free withdrawals for long-term care needs.
Utilizing a qualified long-term care annuity to make tax-free withdrawals for long-term care expenses instead of using taxable annuity withdrawals.

The meeting emphasized the importance of understanding the client’s situation and finding opportunities to leverage existing policies for their benefit. It was also highlighted that certain hybrid products like Annuity Care Two might offer tax-free withdrawals for long-term care.

June 30, 2023HST

Nationwide: “Land as Your Legacy” & CareMatters Together Launch

We had the privilege of bringing in Nationwide’s Chris Chertboonmuang, Regional Vice President, and Julie Odovch, Regional CareMatters Wholesaler. The event was centered around their revolutionary CareMatters Together product, showcasing its exceptional strength as a cash indemnity long-term care product for couples!

Download the Nationwide Materials

Land As Your Legacy®

Discover the benefits of Nationwide’s program for agricultural workers including food distribution, fishing, and chocolate growing. Get flexible underwriting with the Land As Your Legacy® program.

Learn More

CareMatters Together

Find out what makes CareMatters Together a potential solution for couples’ LTC protection needs.

Learn More

June 6, 2023HST

Nationwide’s Mythbusters: Long-Term Care Insurance

Tuesday, June 6, 2023 at 11:00 am

Online via ZOOM

Join us for an exclusive Nationwide Update meeting with Chris Chertboonmuang, Regional Vice President.

Chris will do a comprehensive overview of CareMatters II, play an insightful “Mythbusters: LTC Edition” to debunk common misconceptions and outdated beliefs about LTC insurance, and discuss linked benefits (LTC vs. life + LTC riders vs. CI riders).

Nationwide materials from this webinar:

May 18, 2023HST

Disability Insurance Awareness Month with MassMutual

Disability Insurance Awareness Month with MassMutual
Thursday, May 18, 2023 at 11:00 am
Online via Zoom

Join Erika Adkins, Managing Director Disability Insurance with MassMutual, to discuss how we can help you sell more disability insurance. We’ll be talking about how you can work with your business owner clients to protect their business, utilize discounts to sell to medical residents and limit underwriting hassles with Express Underwriting. We’ll also go over Hawaii TDI and providing guaranteed issue executive carve-outs to certain business occ classes.

Resources from this webinar:

May 9, 2023HST

Addressing Transamerica’s Enhanced Surrender Endorsement Opportunity

Many of you and your clients have received letters from Transamerica regarding an offer on a one-time Enhanced Surrender Endorsement opportunity for selected inforce products. This meeting will address what’s involved and give clarity for those who are interested in the endorsement. Matthew Kagawa, FLMI, VP & COO at OUH, will guide you through the various aspects of this endorsement, and the necessary steps you may need to take.

May 1, 2023HST

Life Insurance in Retirement Planning (LIRP)

A study released by the American Institute of CPAs (AICPA), reported that 57% of financial planners said that running out of money was the top retirement concern for their clients. Social Security and 401(k)s or IRAs may not provide enough income for clients’ retirement goals. Life insurance can be used as a tool to supplement retirement income. Explore our campaign ideas, packaged marketing resources and more!

Campaign Ideas:

Offer A Retirement Checkup.
One of the biggest risks to a comfortable retirement is running out of money too soon. Use an industry calculator to help uncover a client’s projected shortfall at retirement. Then, fill the gap with permanent life insurance.
Target High-Income and High-Net-Worth Individuals.
Affluent clients often “max out” their 401(k)s or other employer-sponsored retirement savings plans, but the contributions are limited and may not meet their future retirement needs. IRAs and Roth IRAs both offer additional savings opportunities, but a client must fall within income limitations to use them. This is where a Life Insurance in Retirement Planning strategy can serve as a solution.
Tax Diversification.
Does your client’s current retirement plan consider future tax exposure? Provide a tax-advantaged option for clients through cash value life insurance.
Retirement Backstop.
Your clients are saving for retirement, but they are unsure if their current accounts will last through life expectancy. A cash value life insurance policy can provide a “backstop” against unplanned retirement risks (sequence of return risk, withdrawal rate risk, inflation, taxes, longevity, and long-term care events).

Marketing Materials

April 4, 2023HST

Mutual of Omaha Update (Webinar)

Bill Ellis, Brokerage Life Sales with Mutual of Omaha, guides you through their long-term care rider, and underwriting niches. Bill is a trusted source for information about life insurance and its associated products.

Download Slides (PDF)

March 15, 2023HST

Policy Review

A Policy Review is designed to help you develop conversations with clients and evaluate the performance of their existing insurance coverage to see if it still meets their needs. Purchasing life insurance isn’t a “set it and forget it” transaction. There are many factors that may impact a client’s policy. As life changes, needs change too. Explore our campaign ideas, packaged marketing resources and more!

Campaign Ideas:

Lifestyle Changes.
Did your client just get married? Divorced? Purchase a home? Have a child? There could be a gap in the amount of coverage your clients need.
Business Related.
Did your client switch careers? Is there a new business venture or possibly a business ownership change? Make sure your client is protected with the right coverage.
Changes In Health.
Your client (or their spouse) may now have a positive development in their health. Perhaps they’re thinking about long-term care benefits as they age. Maybe they have Term policies approaching conversion date expiration. Highlight how additional coverage and/or policy changes would adapt to current circumstances.

Legislative and Industry Specific Factors.
Changes in tax law occur. New and innovative products become available in the life insurance marketplace. Policy performance shifts due to market volatility or interest rates. These are all important reasons to conduct policy reviews.

Marketing Materials