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New! Disability Income Insurance Sales Material:

New! Disability Income Insurance Sales Material:. Name Title Date. MetLife Disability Income Insurance Approach Talk. L0410100880[exp0411][All States] . Facts About Individual Disability Income Insurance*. In 2009 LIMRA reported 466,607 IDI policies issued

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New! Disability Income Insurance Sales Material:

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  1. New! Disability Income Insurance Sales Material: NameTitleDate MetLife Disability Income Insurance Approach Talk L0410100880[exp0411][All States]

  2. Facts About Individual Disability Income Insurance* • In 2009 LIMRA reported 466,607 IDI policies issued • MetLife issued 19,738 IDI policies in 2009 • MetLife ranked 4th in the industry in IDI sales in 2009** • LIMRA 2009 U.S. Individual Disability Income Sales, February 2010. • ** Based on new premium. CONFIDENTIAL

  3. Facts About Disability Income Insurance Buyers • Almost half of MetLife’s 2008 DI buyers also bought life insurance • Idea of income protection resonates with people • 96% of MetLife.com visitors who started the Term Life and DI tool completed all questions • 12.6% asked a rep to contact them • Most successful tool on the website Note: IDI policy sales to new customers ages 25-44 based on 2008 issue dates = 2.8K (Source: MSS) (Excluding SIPP)Time between purchases derived from policy issue dates. CONFIDENTIAL

  4. When Talking to Life Buyers… • Wouldn’t it be nice if there was a way to • Engage your clients with simple, straightforward questions about the importance of a steady income? • Help your clients better understand the importance of developing a plan in case of a disability? CONFIDENTIAL

  5. The MetLife Disability Income Insurance Approach Talk CONFIDENTIAL

  6. A NEW DI Sales Package to Help You • Introduce DI to more of your clients • Increase your per household premium • Improve persistency with multiple product sales New Approach Talk CONFIDENTIAL

  7. Gives a New Direction for the DI Discussion • Open ended questions drive the discussion • Establishes the need for protection • No statistics • Focus on consequences to client’s lifestyle • Position risk similar to life risk CONFIDENTIAL

  8. Overview of the Approach Talk Process Section 2 Section 1 • Establishes the importance of a • steady income to family • Examines feelings about • financial options without a plan 2. Examines how lifestyle would change if disabled 2. Ask client for agreement to design a plan 3. Explores emotional impact of a disability 4. Uncovers realization of vulnerability CONFIDENTIAL

  9. Focuses on consequences Tracks the Approach Talk Highlights impact of not having a plan Presents DI as the right solution Client Brochure CONFIDENTIAL

  10. 10 pages of suggested language, tips and information Suggested language Additional language for further explanation Important information before moving on. Approach Talk Producer Guide CONFIDENTIAL

  11. Available on FieldFirst and iMetLife DI Portals CONFIDENTIAL

  12. Metropolitan Life Insurance Company, 200 Park Avenue New York, NY 10166

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