In this episode of This Morning with Life and Annuities Ray Parman and Brady Doppler talk about end of year sales incentives.  Allianz with their underwriting upgrade program and many various sales bonuses with some key Med Supp providers.  Ray also dives in the GLT Turbo Term and how this kind of term product will be a game changer.  Brady gives an update on GM’s premier lead program called "Leadstar".  Ray gives holiday sales idea for life insurance called Gift of a Lifetime in the Advanced Sales Corner.  Lastly Brady and Ray go over the Mt. Rushmore of things agents should avoid in the practice that can slow down productivity and growth. Don’t miss this episode!!