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Have You Checked Your Clients Term Today?

Have You Checked Your Client’s Term Today?

Term Insurance – Easy And Profitable

Everybody Has Term Insurance

Through work

Through Association

Individual

All Of These Policies Have Disconnects

*Click Here for Disconnects for Group and Association 

*Click Here for Disconnects for Individual Policies

Items to Check on All Policies For Comparison

Age Last, Age Closest, Banded

Rate Classes Available (Sup-Pref, Pref, std+, std, etc…)

New Underwriting – e.g.. Non-smoker rates for smokeless tobacco users and marijuana users

Every Insurance Company and Brokerage House Has Term Insurance

What they don’t have are the 4 processes needed to have a profitable, efficient term insurance program:

Marketing Programs (Customizable with your logo)

Quoting and Submission

Underwriting and Issue

Placement and Commission Payment

Easy To Do For Them and For You!

Non-Medical Underwriting up to $1 million & age 60

E-Process – Submit, Underwrite, Issue & Deliver means it is possible to get paid in just a few days!

CLICK HERE NOW TO INQUIRE ABOUT CHECKING YOUR TERM!

Himmelstein Financial

-We know each carrier’s specialties

-We know what underwriters are focused on.

-We ‘look under the hood’ and repair the case.

– We speak directly with the underwriters

-We get your clients approved with the best possible ratings.

On staff underwriter with 30 plus years of experience & direct access to head underwriters at many carriers!

Clients with one, two , three or more challenges? HF Can Get Your Client Covered!

* Hypertension * Coronary bypass * Diabetes * Build * Smokers * Avocations * Pilots * Tumors * Strokes * High cholesterol * Depression * Cancer * Medical Marijuana * Financial Challenges * And more!

Impaired risk client questionnaires

Dedicated case managers

Life, Annuity, Disability, LTC and more!

Individual, group and voluntary products

“Branded for you” marketing materials

Innovative and cost saving health insurance plans for your business clients!

CLICK HERE NOW TO INQUIRE ABOUT YOUR DECLINED CASE!

Contact Us Today:

Himmelstein Financial, LLC

TEL 860.761.1216 I FAX 860.269.7026

info@Himmelsteinfinancial.com