October ONE Idea Recap
It’s the 4th quarter! Summer trips and vacations are over and it’s time to revisit those cases that have been in the pipeline for a while. Your clients have returned from their long summer getaways and are now available to provide final signatures, answers to lingering questions about their cases, or other information necessary to get the cases placed by year-end.
Remember, the team at AgencyONE is here to help you expedite your cases, get their viability assessed by our in-house Underwriters, and formally reviewed by our preferred carrier partners. Get your Informal Inquiries in as soon as possible. Carriers and AgencyONE will be switching focus to FORMAL APPLICATIONS ONLY as we get further into Q4.
We hope our latest ONE Ideas offer guidance, inspiration, and at least one idea. With that in mind, the following is a recap of our ONE Ideas for the month of October.
AgencyONE started the month with an Annuity ONE Idea written by Craig Baumgartner, RICP, entitled “Are Mortality Credits Missing from Your Client’s Retirement Income Plan?” Craig explores how to create a retirement income plan for your clients who have relatively conservative risk tolerances. He discusses the time-tested solution of laddering bonds and then considers a more efficient solution including a comparative case study using an Annuity that does not introduce excess risk.
Our second ONE Idea for October came from Gonzalo Garcia, CLU and is titled “Pre Sunset Planning Opportunity – Get Ahead of the Massive Increase in Federal Estate & Gift Tax Exemption” Gonzalo has been talking about this for quite some time and it is on the mind of many other planning experts as the sunset date approaches. In this ONE Idea, Gonzalo reviews some exemption history, discusses the current predictions, and explores excellent planning options for you and your clients to consider that include life insurance in preparation for the upcoming changes.
Our final ONE Idea for the month, “Financial Underwriting – How Much Life Insurance Can I Get?” came from our Underwriting Department and was written by Dennis Bartos, PA. While Medical Underwriting is the primary focus in most of the cases we see at AgencyONE, cases with a focus on Financial Underwriting are increasing. This ONE Idea discusses and defines the criteria that must be considered for financial underwriting.
Remember, our most recent ONE Ideas are listed under “Updates > Blogs” on our website homepage. Additionally, a full library exists on your personal Dashboard on our website under the Sales/Marketing tab (you must have a website login for access to the complete library). If you see a ONE Idea you like, it can be branded for your company. Just let us know.
AgencyONE provides these ONE Ideas to help you and your clients gain a better understanding of the planning, product selection, design, and underwriting that goes into the purchase of life insurance (with and without linked benefits), annuities and disability insurance. We hope you find these ONE Ideas helpful when assisting your clients with their financial, wealth, business, and estate planning needs.
Please contact the AgencyONE Marketing Department at 301.803.7504 for more information or to discuss a case.
