Have You Checked Your Client’s Term Today?
Term Insurance – Easy And Profitable
Everybody Has Term Insurance
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!
-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!
Contact Us Today:
Himmelstein Financial, LLC
TEL 860.761.1216 I FAX 860.269.7026