TBA's Life Linked

We're continuing our Business Solutions Series with Principal's business solutions team - Mark Householder & Tom Bates. After bringing them in to discuss all things Guaranteed Issue Term for Groups, we brought them back to discuss all things Key Person with Zach Gosselin:

• The biggest mistake financial professionals make in the market
• How to quantify a key person need
• The ideal key person prospect
• Reason to consider permanent life for key person coverage

To access all the business solutions calculators and analysis tools mentioned in the episode, click here.

The chances are high that at some point your client will need long-term care, but having the conversation about it requires a different approach than a life insurance proposal.

Kevin Riley, Regional Director at OneAmerica, has been helping advisors have effective conversations about LTC for years, and now he's willing to share some of those secrets with our listeners. This episode covers the following:

1. Client objections and how to overcome them
2. How to start the LTC conversation
3. Common Advisor mistakes during these discussions
4. Quick moniker reference to use as a reminder during these conversations

If you would like some LTC outreach materials, or to know the LTC options available through TBA, reach out to Kathryn Kinnane at [email protected].

Disability Income is crucial for many professionals, but one industry where it isn't a hard sell because they are educated about it's importance from the beginning is any medical field. We brought in our resident DI expert - Kathryn Kinnane - to talk DI, how to best approach medical professionals, what's needed for the most accurate quotes, and how much coverage they would need.

DI Quote Request Form

If you're in need of DI assistance, reach out to Kathryn Kinnane at [email protected] or 865-588-9555.

When it comes to business solutions - specifically guaranteed issue insurance for groups - the options can feel daunting. That's why we brought in two experts from Principal's business solutions team - Mark Householder & Tom Bates - to talk all things guaranteed issue term for groups. They joined our own John Felton to discuss the following questions:

• What is the ideal company/group for this product?
• Does this use level term, Annually Renewable Term, or are there options for each client?
• What type of financial professionals can find success with this product?
• Who handles the plan and policy administration and billing? Is there a cost?
• Can additional insureds be added to an existing group
• Could you discuss some of the more important qualifications for a group to qualify for guaranteed issue?

Product Overview

GI Inquiry Form

Sample Quote

Bonding Piece

Our in-house impaired risk specialist sat down to provide insights on what underwriting can look like for clients with heart issues that include:

• Heart attack history
• Heart murmurs
• Pace Makers
• High Blood Pressure
• & more

In this episode, she touches on what conditions receive more favorable underwriting or are typically declined. She also provides important questions you should be asking your clients with heart issues.

A new year brings new opportunities for life insurance advisors. What trends can you expect this year when it comes to life insurance? Michele Leeming, Relationship Director with LIBRA, discusses what advisors can expect when it comes to the types of products and coverages clients will be seeking and the future of underwriting.

For assistance with a life insurance case email [email protected]

'Tis the season for giving, and that's why we have our vice president, Zach Gosselin, walk us through if your client can provide a charitable gift with life insurance, what the different options are, if there are tax implications, and what - if any - drawbacks there are to using life insurance for charitable giving.

Every December we celebrate TBA Awareness Month! John Felton sits down with Morgan Mynatt to talk about how TBA Awareness Month came to be, what three things advisors are most unaware of about TBA, and what is the #1 thing advisors should be more aware of when it comes to TBA and how they support advisors. If you have any questions about TBA or how TBA.com works, email [email protected].

Over 11%, or more than 37 million Americans, have diabetes, and that number continues to climb. With the increasing number of those affected by this, we brought in our impaired risk specialist Jennifer Stanifer, to discuss all things diabetic underwriting. From what information you need from your clients, to what the best carriers are for the most favorable ratings. Contact Jennifer at [email protected] or 865-588-9555 for a life insurance quote. Also, access the diabetes underwriting questionnaire here: https://www.tba.com/quotes-and-underwriting/impaired-risk-questionnaires/

Long-term care is likely one of the few topics clients come to their advisors about. With November being LTC Awareness Month, we brought on OneAmerica's Kevin Riley, Regional Account Director, to provide perspective on why this coverage is so crucial, the cost of self-funding long-term care, and how to get started in the market if you're an advisor who hasn't branched into it yet. The reality is the cost of care is not getting smaller, and regardless of financial standing, all clients need long-term care coverage.

For a hybrid LTC quote, you can contact Kathryn Kinnane at [email protected] or 865-588-9555.

Cost of Care Calculator: https://www.oneamerica.com/caresolutionscalculator/index.html