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Welcome to the 2014 H ouston Spring Fling!. agenda. Who is The Brokerage, Inc.? Connecting with our webpage & quote engines Medicare portfolio “Legacy Safeguard” The Post Season Cross selling is cross advising New enrollment periods influence on your business calendar year
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agenda • Who is The Brokerage, Inc.? • Connecting with our webpage & quote engines • Medicare portfolio • “Legacy Safeguard” • The Post Season • Cross selling is cross advising • New enrollment periods influence on your business calendar year • Product “quick hits” and sales tips • Lunch
agenda • Sales ideas: • Using high deductible health plans • High deductible Plan F • Adding the second part of the HD solution • Wealth Accumulation products • Asset protection products • Our annuity department • Growing your agency and raising your income with TBI
Who is TBI? • 38 year old insurance marketing organization • Specializing in life, health and accident products • Appointed in all 50 states • Designed to: • Assist your marketing efforts • Increase your sales • Simplify your administration • Grow your agency and your income
Untapped Market–Incredible Potential • Huge potential in this market – the final expense market is NOT saturated! • 30% of U.S. households (35 Million households) have no life insurance protection at all.1 • Half of households (58 million households) say they need more life insurance, the highest level ever.1 • 70% of women and 60% of men believe life insurance is a necessity and everyone should have it.2 • 60% of consumers don’t recall being approached to buy life insurance in the past two years. 2 • 8 out of 10 households need basic insurance but do not have an Agent.1 • A primary reason Americans purchase life insurance is to cover burial and final expenses.1 • Seniors are America’s fastest growing market and they need your help with Final Expense planning! 1. LIMRA Facts about Life 2010 2. Facts from LIMRA – Life Insurance Awareness Month, September 2012
Your Clients Want to Buy From You! 78% of shoppers with a previous relationship with their agent bought life insurance when their agent presented it to them.1 1. Facts from LIMRA – Life Insurance Awareness Month, September 2012
Have Your Clients Planned a Funeral? There is almost a 100% chance that your client’s have planned for at least one funeral!1 If your clients are currently age 65 and their parents were 30 years old when your clients were born, then their parents would be 95 today. U.S. Life Expectancy is 78.1
Legacy Safeguard Membership Benefits Planning Services Provider Software for storage of: • Historical information (family tree) • Lessons you have learned and want passed on • Family values you hope they keep • Information needed to complete Death Certificate, Obituary, and your final wishes (songs, scriptures, speakers, and location of your service) Planning Support • Can create a free living will • Help find Elder Law Attorneys • Discounts on Last Will and Testament, Power of Attorney, and other documents you may want
Legacy Safeguard Membership Benefits Guidance and Assistance • 24/7 advisors to help • Guide family through the process • Locate a funeral home • Help plan services • Bereavement Travel Assistance Life Events • Discounts on flowers – 20%/FTD • RX Card for Walmart drug program • Family Legacy DVD – that combines your photos and favorite music
Smart Phone Rate Calculator • Final Expense Industry's first Smart Phone Rate Calculator! Works with any smart phone browser including: • iPhone • Blackberry • Android • And, many more! • Two Rate Calculators: • Premium Rate Calculator • Amount of Insurance Calculator
Cross Selling = Cross Advising • Need leads? Try going back to your existing block of clients! • “The Postseason Game Plan” marketing concept is a great way to develop new sales using your existing block of clients • Don’t forget: ask for referrals! • Sales tip: use the Legacy Safeguard marketing program to build your agency!
New enrollment periods influence your business activities during the calendar year • Open Enrollment Period – Medicare • October 15 – December 7, 2014 • Open Enrollment Period – ACA • November 15, 2013 – February 15, 2015 • Certifications • Gear up and prepare from July – October • AHIP for Medicare available in June 2014
Product “Quick Hits” & Sales Tips • Legacy Estate Maximizer • Kemper • Home Health Care • GI Final Expense • Cigna Supplemental Benefits • Med Sups • Cancer • Heart • Final Expense
Cigna Supplemental Benefits • Med Sup • Cancer • Heart • Final Expense • Technology
Using High Deductible Health Plans • HDHP and Health Savings Accounts • BCBSTX Bronze plan • PPO version • Bronze HMO is NOT a qualified HDHP! • For your Health Savings Accounts, we recommend UMB www.umb.com
Adding the Second Part of the HD Solution • FreshBenies • Active Care • Dental, Vision and Hearing • Accident Plans And don’t forget to set up the Health Savings Account!
