Direct Insurance Podcast - DIP!

Welcome back to the Direct Insurance Podcast - or DIP! for short! A podcast for independent insurance agents; brought to you by Insurance Advisors Direct, a full-service FMO.  Today we sat down with Donald Kirkendall from Kirkendall/AffordableOne Insurance! Don walks us through the importance of life insurance in today's world, and why it's MORE important for younger generations to think about life insurance now than ever before.

The cost of living has gone up...but so has the cost of DYING! Young people have less risk of passing away unexpectedly, therefore their monthly premiums will be much lower than for those who are in their later years of life. Many young people believe that life insurance is too costly, so they put it off - thinking they won't need it until they get older...but then the unthinkable happens.

Don explains for us all the different situations that young people in the Millennial (ages 25-42) and Gen Z (ages 7-24) can possibly be in; when it comes to needing life insurance. Situations ranging from being a single parent with children from multiple fathers, a child with family health risks, and a child who lost their mother during childbirth. It's these stories that make us realize that tomorrow is never promised. Don also shares with us a few tips on how you can start generating life insurance leads in these age brackets, and how to speak to these groups on the importance of these products for their family's sake.

Share this episode with a small business owner that you think would find this information helpful; even if they're not an insurance agent! But until then - Let's D.I.P. into insurance!

Welcome back to the Direct Insurance Podcast - or DIP! for short! A podcast for independent insurance agents; brought to you by Insurance Advisors Direct, a full-service FMO.  Today we sat BACK down with Robert Intelisano, aka The Insurance Doctor! Rob walks us through some really important things that can help you sell more annuities! We talk about the features and benefits of annuities that help educate the client, while still making the most sense to them!

Robert is the Founder and President of Intelisano & Associates. Since 1999 he has worked with thousands of individuals, families, and businesses helping them to obtain the best and most cost-effective insurance protection for their specific needs.
 
Taking a holistic approach with every case, Rob does not promote products until he understands his client’s short and long-term goals and needs. Only then does Rob and his team of independent professional advisors design the best solution, and always with the goal of providing you with protection and peace of mind at the right premium.

Rob has earned the following designations:
• Earned Chartered Life Underwriter CLU in 1995
• Earned Certified Senior Advisor CSA in 2003

Rob shares some of the most important lessons he's learned since starting in the industry, including the importance of having a good mentor, and being honest and transparent with your clients.

Share this episode with a small business owner that you think would find this information helpful; even if they're not an insurance agent! But until then - Let's D.I.P. into insurance

Welcome back to the Direct Insurance Podcast - or DIP! for short! A podcast for independent insurance agents; brought to you by Insurance Advisors Direct, a full-service FMO.  Today we sat down with Chris Schiefer; a life insurance specialist and IAD's partner from TruChoice Financial! Chris has been working in the insurance industry for almost 20 years and has been helping agents and brokers alike grow their book of business by educating them about different insurance products that can help them retain and grow generational wealth for their clients.

There are numerous ways that today's consumers can save for retirement. But how many ways are people saving for life after death? Today Chris helps us outline the benefits and caveats of different insurance, and non-insurance options for today's consumers to help them grow or maintain wealth. These options can also help generate generational wealth for the client's family. 

But how do we know which is best?

Share this episode with a small business owner that you think would find this information helpful; even if they're not an insurance agent! But until then - Let's D.I.P. into insurance

Welcome back to the Direct Insurance Podcast - or DIP! for short! A podcast for independent insurance agents; brought to you by Insurance Advisors Direct, a full-service FMO.  Today we sat down with Robert Intelisano, aka The Insurance Doctor! Rob walks us through some really important things that both you and your clients need to know about annuities; including some basic definitions and tax deferrals.

Robert is the Founder and President of Intelisano & Associates. Since 1999 he has worked with thousands of individuals, families, and businesses helping them to obtain the best and most cost-effective insurance protection for their specific needs.
 
Taking a holistic approach with every case, Rob does not promote products until he understands his client’s short and long-term goals and needs. Only then does Rob and his team of independent professional advisors design the best solution, and always with the goal of providing you with protection and peace of mind at the right premium.

Rob has earned the following designations:
• Earned Chartered Life Underwriter CLU in 1995
• Earned Certified Senior Advisor CSA in 2003

Rob shares some of the most important lessons he's learned since starting in the industry, including the importance of having a good mentor, and being honest and transparent with your clients.

Share this episode with a small business owner that you think would find this information helpful; even if they're not an insurance agent! But until then - Let's D.I.P. into insurance

Welcome back to the Direct Insurance Podcast - or DIP! for short! A podcast for independent insurance agents; brought to you by Insurance Advisors Direct, a full-service FMO.  Today we sat down with Chris DeMars; an annuity specialist and IAD's partner from TruChoice Financial! Chris has been working in the insurance industry for almost 20 years and has been helping agents and brokers alike grow their book of business by educating them about different annuity, securities, & traditional savings options that consumers can use to save for retirement.

The cost of raising a child in the year 1990 has since more than tripled in today's world. While the cost of living; has shot up significantly in the last 3 years. What will the financial climate look like in the next 30 years, and how will we all have enough money to survive after the employer paychecks have stopped rolling in? What do we do if every day is a Saturday in retirement? There are numerous reasons as to why we all have to save for retirement, and there's just as many ways to save for that stage of life. 

But some options are better than others. There are so many risks associated with more traditional forms of retirement savings options, including withdrawal risk, longevity risk, tax risks, etc. Teach your clients how to save for a more financially sustainable future by planning for retirement using insurance products, as opposed to their bank.

How many times have we had to bail out the banks? How many times have we had to bail out the insurance company? 

Share this episode with a small business owner that you think would find this information helpful; even if they're not an insurance agent! But until then - Let's D.I.P. into insurance

Welcome back to the Direct Insurance Podcast - or DIP! for short! A podcast for independent insurance agents; brought to you by Insurance Advisors Direct, a full-service FMO.  Today we sat down with Ken Peterson from Benistar, where we talked about 10 ways that you can be a better communicator. Communication is extremely important in a sales environment, and how your client feels in a conversation with you will have a lot to do with whether they will close the sale...or go somewhere else!

In today's digital age, more and more people are craving that face-to-face interaction, as opposed to looking at a computer screen. Although you may still be conducting some meetings via Zoom or other similar platforms due to restrictions of physical distance; it's important to know how to be a good communicator in these situations. Consumers in today's world want to feel like they are truly being heard. And if you are proposing to be able to solve their problems with what you sell, you should be ready to actively listen in order to provide the emotional connection with a client that will make them feel heard. When your clients feel as though you're a great communicator, they'll want to refer you to their friends and family!

Share this episode with a small business owner that you think would find this information helpful; even if they're not an insurance agent! But until then - Let's D.I.P. into insurance

Welcome back to the Direct Insurance Podcast - or DIP! for short! A podcast for independent insurance agents; brought to you by Insurance Advisors Direct, a full-service FMO.  Today we sat down with Shirley Lanier - Shirley has been in the industry for roughly a decade and started out her business in the D-SNP market of Medicare. Shirley explains to us the benefits of D-SNP Medicare products, as well as the differences that the PACE programs make to seniors; but that you can't have both!

The Medicare system can be extremely confusing, and if you're not careful or ask the right questions to your clients, you can end up a creek without a paddle! We talk about the barriers to D-SNP products, the limitations but also the benefits of the program for those people who are dually eligible for both Medicare and Medicaid. With such a large gap in today's wages amongst the working class - most seniors (especially in low-income areas around southeast Michigan) have more limited options for care, or even financial resources in order to stay healthy! What else do you want to know about D-SNP vs. the PACE Program?

Share this episode with a small business owner that you think would find this information helpful; even if they're not an insurance agent! But until then - Let's D.I.P. into insurance!

Welcome back to the Direct Insurance Podcast - or DIP! for short! A podcast for independent insurance agents; brought to you by Insurance Advisors Direct, a full-service FMO. In today's episode, we sat down with Joanne Giardini, owner of Giardini Medicare. Joanne has been a Medicare expert for roughly 2 decades and uses TikTok as a means of generating high quality leads for her and her agency! How many leads you ask? How about 300 people who are ready to enroll in Medicare by the end of 2023?! WOW!!!

Joanne explains how she got started in producing TikTok content and how it has become part of her weekly routine. She explains the time and dedication that she puts into the platform, and how it has helped her grow the business in a way that no one - not even her son - ever imagined! Joanne also talks about how she films videos ahead of time, so that she can have videos ready to post while she's relaxing on vacation. (But as a Medicare agent, are you ever really, TRULY ever able to relax or take vacation? Hmm...)

Share this episode with a small business owner that you think would find this information helpful; even if they're not an insurance agent! But until then - Let's D.I.P. into insurance!

Welcome back to the Direct Insurance Podcast - or DIP! for short! A podcast for independent insurance agents; brought to you by Insurance Advisors Direct, a full-service FMO. Today, we had 3 very special guests in the DIP studio; Dan Tripp, Ruben Rodriguez, and Andrea Hicks. Each of these agents shared some of their client horror stories, ranging from "hindsight is 2020" to "maybe I should bring bug spray with me to every appointment...."

When you work with the general public, there are NUMEROUS things that can go terribly awry! There are so many people that don't understand the importance of working with not only a knowledgeable agent, but also the importance of simply HAVING the insurance policy for their needs - and how their needs could cripple them financially without proper coverage. Learn from these mistakes so you can help take your business to the next level - and have a laugh or two along the way!

Share this episode with a small business owner that you think would find this information helpful; even if they're not an insurance agent! But until then - Let's D.I.P. into insurance!

Welcome back to the Direct Insurance Podcast - or DIP! for short! A podcast for independent insurance agents; brought to you by Insurance Advisors Direct, a full-service FMO. In today's episode, we sat down with Dan Greer, aka Dan "The Man" Insurance Etc.! Dan has been in the insurance industry for a decade and has a lot to share about the insurance industry - mainly about the importance of client retention!

Client retention can be the make or break in your insurance business, especially as a Medicare agent. From referrals, renewals, medicare scams, and unintentional plan switches; it's important to stay up-to-date with your clients, check in with them periodically, and just let them know you're still here to help them. Dan "The Man" explains of a few instances where he could have done more to retain a few clients; and what he learned from those experiences. While also sharing some ways that he keeps in contact with past clients, but without paying for a large CRM system!

Share this episode with a small business owner that you think would find this information helpful; even if they're not an insurance agent! But until then - Let's D.I.P. into insurance!