Increase your life insurance sales with these real-life, creative, practical, and honest examples of how Timothy Radden, CLU, ChFC, has used whole life insurance in helping his clients during his 27 year career.
Broken up into 5 manageable topics, each in a pocket-sized reference that offers quick scenarios where Cash-Value Life Insurance is often the best solution!
Life Insurance Solutions for Business & Investment Planning
You will learn how cash value life insurance applies to:
Practical funding for business buy-outs
Informal funding for deferred compensation plans
Shielding employers from cash-flow interruptions
Favorable tax treatment on dividends withdrawn
Government-funded business buy-outs
Life Insurance Solutions for Estate Planning
You will learn how cash value life insurance:
Applies to quality lifelong asset-$1,000,000 instant estate
Can go outside of taxable estate
Grosses-up small estates to $1,500,000 tax free exemption equivalent
Is easy to transfer or divide (unlike land or a family business)
Has no probate or settlement costs
Life Insurance Solutions for Financial & Retirement Planning
You will learn how cash value life insurance:
Applies to tax-free accumulation
Can be used as collateral-unlike 401(k)or IRA
Is not included in college financial aid calculation
Is a great alternative to cost of survivor benefits in pension plan audits
Is a better way to fund philanthropic endeavors
Life Insurance Solutions for Insurance Planning
You will learn how cash value life insurance:
Helps you predict the future
Builds wealth even during a disability
Provides asset protection
Offsets the effects of inflation
Makes a viatical settlement unnecessary
Life Insurance Solutions for Divorce
You will learn how to:
Protect children financially
Protect spousal maintenance
Create cash equity and recapture some or all premiums
Handle poliy ownership issues
Divide the life insurance asset
By determining what problems cash value life insurance solves better than other less profitable investment products, you will be able to seek out clients with those needs.
Timothy Radden, CLU, ChFC, believes that there should be as much heart as there is art in providing life insurance for clients. With his stories he hopes to instill in you a little 'practitioner passion' so that the potential clients that you call on might be more likely to do what their families need them to do in order to protect them. "When you pay more attention to your clients than your commissions, your clients are better served and you are better paid."
WHAT PEOPLE ARE SAYING:
"These books give readers a rarely heard perspective on the uses and value of traditional, cash value life insurance. Today's advisors, their managers, and most of their companies are more focused on the easier to sell products such as term insurance, annuities, and mutual funds. While these products have a place in financial plans, they do not offer the unique advantages of cash value life insurance."
John Cruikshank, CLU, Past President, MDRT, Past President, MDRT Foundation
"I first listened to Tim Radden speak early on in my career some 20 years ago. His list of 119 reasons to own permanent insurance back then was not only thought provoking but helped me focus on needs-based planning for my clients. Tim's ideas not only kept me in the business but allowed me to excel in our industry and to consistently achieve Top of The Table status."
Jeff Peterson, CLU, Top of the Table Member, Leading Producer, Northwestern Mutual
"Tim has captured the simple truths of a great asset and the magic it brings to the point of sale. Cash Value Life Insurance, sold only after clients' problems are well defined, with all the facts available, can be designed as a solution to most financial problems. Tim explains in this book the solutions-with great clarity and brevity-that form the foundation of building client trust."
Lyle L. Blessman, Northwestern Mutual, Past President MDRT, Past Chairman TOT
"Tim Radden's books are a practical and substantive work that can help you measurably in your business and your life. Read it to learn. Apply it to succeed."
Nido Qubein, President, High Point University
"Tim Radden has been there and done that! He has a great message for professional life insurance producers. I'm happy to call him a friend."
Ron Willingham, CEO, Founder of Integrity Systems, Author of Integrity Selling for the 21st Century!
"Brilliant, insightful motivation to get back to the basics with one of the finest financial planning tools we have today: cash value life insurance!"
Julie Prince Green, Leading Producer, Northwestern Mutual, Consistent Qualifier - Million Dollar Round Table
|