When your clients don't know which insurance product best satisfies their needs you'll be there!
Let Corporate Benefits Brokerage provide you the support and additional services to cement the trust your clientele has in you.
Term, Universal Life, Whole Life... All serve a family or business need. It's your job as licensed agents to differentiate
clientele and products.
Corporate Benefits Brokerage
Business partnership is our goal - Personal attention to each client is our priority
Products
Life Insurance Products:
Term Life
Universal Life
Whole Life
Types of Life Insurance Planning:Estate Planning: Wealth and Legacy Planning
Business Need: Buy-sell Funding and Key Person
Personal Family Needs: Return of Premium Term Life, Systematic Payout Life Insurance, Permanent Life Insurance: Universal Life and Whole Life
Term Life Insurance:
Designed to cover short-term need (loan or business agreement)
Generally offers the most amount of coverage for the least amount of money
When the "term" ends premiums increase
Term can range from 1, 5, 15, 20, etc. yearsWhole Life Insurance:
Guarantees the death benefit and premium will never change
Develop equity (cash value) that may be borrowed in future years
Plan option sometimes include dividends that reduce future premiums or increase the death benefitUniversal Life Insurance:
Allows the owner to vary premium payments each year
Paid premiums go into a policy account that earns interest
Example: buying term insurance and saving the difference in an attached account
Insurance continues as long as there is enough money in the account to pay the costs of the annual term insurance
