Have You Checked Your Client’s Term Today? <\/p>\n\n\n\n
Term Insurance – Easy And Profitable<\/p>\n\n\n\n
Everybody Has Term Insurance<\/p>\n\n\n\n
Through work<\/p>\n\n\n\n
Through Association<\/p>\n\n\n\n
Individual<\/p>\n\n\n\n
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All Of These Policies Have Disconnects<\/strong><\/p>\n\n\n\n *Click Here for\u00a0Disconnects for Group and Association\u00a0<\/a><\/p>\n\n\n\n *Click Here for\u00a0Disconnects for\u00a0Individual\u00a0Policies<\/a><\/p>\n\n\n\n Items to Check on All Policies For Comparison<\/strong><\/p>\n\n\n\n Age Last, Age Closest, Banded<\/p>\n\n\n\n Rate Classes Available (Sup-Pref, Pref, std+, std, etc…)<\/p>\n\n\n\n New Underwriting – e.g.. Non-smoker rates for smokeless tobacco users and marijuana users<\/p>\n\n\n\n Every Insurance Company and Brokerage House Has Term Insurance<\/strong><\/p>\n\n\n\n What they don’t have are the 4 processes needed to have a profitable, efficient term insurance program: Marketing Programs (Customizable with your logo)<\/p>\n\n\n\n Quoting and Submission<\/p>\n\n\n\n Underwriting and Issue <\/p>\n\n\n\n Placement and Commission Payment<\/p>\n\n\n\n <\/p>\n\n\n\n Easy To Do For Them and For You!<\/strong><\/p>\n\n\n\n Non-Medical Underwriting up to $1 million & age 60 <\/p>\n\n\n\n E-Process – Submit, Underwrite, Issue & Deliver means it is possible to get paid in just a few days! <\/p>\n\n\n\n CLICK HERE NOW TO INQUIRE ABOUT CHECKING YOUR TERM! <\/a><\/p>\n\n\n\n Himmelstein Financial<\/p>\n\n\n\n -We know each carrier’s specialties <\/p>\n\n\n\n -We know what underwriters are focused on.<\/p>\n\n\n\n -We ‘look under the hood’ and repair the case.<\/p>\n\n\n\n – We speak directly with the underwriters <\/p>\n\n\n\n -We get your clients approved with the best possible ratings.<\/p>\n\n\n\n On staff underwriter with 30 plus years of experience & direct access to head underwriters at many carriers!<\/em><\/strong><\/p>\n\n\n\n Clients with one, two , three or more challenges? HF Can Get Your Client Covered!<\/strong><\/p>\n\n\n\n * Hypertension * Coronary bypass * Diabetes * Build * Smokers * Avocations * Pilots * Tumors * Strokes * High cholesterol * Depression * Cancer * Medical Marijuana * Financial Challenges * And more! <\/p>\n\n\n\n Impaired risk client questionnaires<\/p>\n\n\n\n Dedicated case managers<\/p>\n\n\n\n Life, Annuity, Disability, LTC and more!<\/p>\n\n\n\n Individual, group and voluntary products<\/p>\n\n\n\n “Branded for you” marketing materials<\/p>\n\n\n\n Innovative and cost saving health insurance plans for your\nbusiness clients!<\/p>\n\n\n\n CLICK HERE NOW TO INQUIRE ABOUT YOUR DECLINED CASE!<\/a><\/p>\n\n\n\n <\/p>\n\n\n\n Contact Us Today:<\/strong><\/p>\n\n\n\n Himmelstein Financial, LLC<\/p>\n\n\n\n TEL 860.761.1216 I FAX 860.269.7026<\/p>\n\n\n\n
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