sales ideas

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 23, 2023HST

Valuable 1035 Exchange Sales Ideas (Webinar)

Tuesday, July 18, 2023 at 9:30 AM

Online event via ZOOM

Join us to learn a few 1035 exchange concepts that can lead to a sale! Use your existing book of business and benefit your client at the same time. Join us for an insightful online event as we delve into 1035 exchange concepts that can supercharge your sales. Michael Sato, CLTC®, LUTCF®, FSS, Brokerage Manager, will share his expertise and guide you through valuable strategies.

RSVP to attend

May 8, 2023HST

Lunch & Learn “Basics of Business Insurance”

Lunch & Learn “Basics of Business Insurance”

Tuesday, May 23, 2023 at 11:30 am

OUH Lounge, 1st Floor

Life insurance for business owners is about financially protecting their company just as much as it’s about protecting their loved ones! OUH Brokerage Manager, Brant Yamamoto, FSS, will go over simple ways business owners can leverage life insurance. RSVP to Cara Kagawa at ckagawa@askoxy.com.

Parking is located at the Young & Piikoi St. lot in the back of the Occidental Underwriters building. Please check-in your vehicle with Maule in the 1st floor reception area.

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

March 22, 2023HST

A Closer Look into Roth Conversions & QLACs

A Closer Look into Roth Conversions & QLACs
May 2, 2023 at 9:30 am
OUH Lounge, 1st Floor

Join us for an exclusive event with Justin Shipman Regional Sales Director, Annuity Solutions at Lincoln Financial as he dives into the details of Roth Conversions and Qualified Longevity Annuity Contracts (QLACs). This event will cover the fundamentals as well as examine the potential benefits and drawbacks so you’ll know how these strategies may fit into your business, especially with the changes enacted earlier this year by The Secure Act 2.0. Don’t miss this opportunity!

RSVP to save your seat at ckagawa@askoxy.com. This is an in-person event.

March 22, 2023HST

Client Event! Overcoming the Great Retirement Income Gap

Client Event! Overcoming the Great Retirement Income Gap

Are your clients ready to learn how to overcome the retirement income gap? Join Ken Herlihy, CLTC, Regional Account Director, Care Solutions and John Broyles, CFP®, Regional Sales Director from OneAmerica for an event that’s not to be missed. With interactive discussions on preparing for retirement, the benefits of long-term care, and hypothetical examples of the Asset Care and Annuity Care products, your clients will leave feeling confident in discussing more about their retirement plans. Don’t miss out on this client-friendly event that will leave a lasting impact on your clients’ financial future.

Client Event! Overcoming the Great Retirement Income Gap
April 27, 2023 at 5:00 pm
OUH Lounge, 1st Floor
*Snacks will be provided

These will be in-person events. If you are interested and would like to save your seat(s), contact ckagawa@askoxy.com.

March 22, 2023HST

Lunch & Learn “Business Insurance”

Lunch & Learn “Business Insurance”
Wednesday, April 19, 2023 at 11:30 am
OUH Lounge, 1st Floor

Life insurance for business owners is about financially protecting their company just as much as it’s about protecting their loved ones! Brant Yamamoto, FSS, OUH Brokerage Manager will go over basic ways you can use life insurance as a business owner.

RSVP to save your seat at ckagawa@askoxy.com. This is an in-person event.

Parking: This event will be located at the OUH Lounge, 1st floor. Parking is located at the Young & Piikoi St. lot in the back of the Occidental Underwriters building. Please check-in your vehicle with Maule in the 1st floor reception area.

March 22, 2023HST

A 401(k) Plan Presentation for Life Licensed Financial Professionals

A 401(k) Plan Presentation for Life Licensed Producers
Thursday, March 30, 2023
9:30 am – 10:30 am

OU Lounge, 1st Floor
Occidental Underwriters of Hawaii, Ltd.
1163 S Beretania Street
Honolulu, HI 96814

A 401(k) Plan Presentation for Life Licensed Financial Professionals

Occidental Underwriters of Hawaii, Ltd. is proud to host Francisco Navarro, AIF, C(k)P Regional 401(k) Sales Director for Lincoln Financial Distributors and Gregg Cowan, PPC Regional Vice President and Retirement Plan Counselor for Capital Group/American Funds.

Francisco has a long-standing relationship with us—since the days our agency was a Transamerica career agency—and we are delighted to welcome him back! This informative seminar will provide insight into the benefits available through Lincoln Financial Distributors and Capital Group/American Funds.

Don’t miss this chance to connect with Francisco and Gregg where you’ll learn about the opportunities Occidental Underwriters of Hawaii, Ltd. and our partnership with Lincoln Financial Distributors and Capital Group/American Funds can provide!

RSVP by 3/28 to Cara Kagawa at ckagawa@askoxy.com.

*Limited to the first 20 people who RSVP. Breakfast is included. Kindly inform us of any vegetarian preferences or specific dietary requirements with your RSVP.

Parking: Located at the Young & Piikoi St. lot in the back of the Occidental Underwriters building. Please check-in your vehicle with Maule in the 1st floor reception area.

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