On-the-Go Functionality to Fit Your Needs

1 Feb

Get real-time case status updates with Crump’s Mobile App! Push notifications are available on your mobile device whenever your pending cases change. Find out right away when your case has been approved or an outstanding requirement has been posted. Tap the notification on your mobile device to get the details you need to keep your cases moving. More>>

Finding the Right Mix: Merging Technology with Traditional Practices

25 Jan

We’ve all become accustomed to the world at our fingertips. One-click shopping, next-day delivery, and customer service at the touch of a button. How can we, as financial professionals, innovate and deliver our traditional solutions and practices in a world where our clients expect instant delivery? Crump’s Vice President of Digital Solutions, Travis Phillips, joins us to offer advice and tools you can use. Podcast>>

The impact of chronic disease and immunity on field underwriting

18 Jan

Guest contributor Emily Bancroft, MS, ALMI, AIRC, ACS, ALU Certified Professional Underwriter, is a senior underwriter, at Crump Life Insurance Services.

We live in interesting times. Our collective vernaculars changed from living through the COVID-19 pandemic. Words such as “vaccine,” “immunity,” “booster,” and “antibodies” are now everyday terms, whereas a few years ago, these words were mentioned a few times a year.

No one truly knows how much longer we will be immersed in these strange times as it is a new reality. Still, as we strive to understand the world around us, it helps to recognize what immunity is and how our pre-existing conditions or chronic diseases impact that immunity. More>>

10 Expressions That Help You Get What You Want

11 Jan

Everyone wants to close business, but no one goes so far as to come right out and say, “C’mon, are you going to buy or not?” This might work in a busy deli at lunchtime, but not for financial advisors.

Put another way: You can always ask for an immediate answer, but in most cases, that answer will be “no.” You often need the right words and expressions to get your point across. There are many situations in an advisor’s day where having the right expression can be the key to getting the desired result.

Check out the gallery for 10 expressions to help you reframe your approach and stick the landing. More>>

Life Insurance: Build and Protect Multigenerational Wealth

28 Dec

Some advisors may wonder what value life insurance can offer high net worth individuals, considering people in that income bracket already have accumulated significant wealth.

But although they might have more wealth, they typically have more debt and more expenses and owe more in taxes. They also may expect or desire to pay for their children’s or grandchildren’s educations, for their children’s or grandchildren’s weddings, or a charitable legacy. Life insurance can help build multigenerational wealth while ensuring that a person’s or couple’s hard-earned money passes to future generations in the most tax-efficient way possible. More>>

Awareness: The Key to Protecting Your Practice from Identity Theft

30 Nov

Guest contributors Joy Dawe, senior vice president, market conduct, and Hannah Wittmer, market conduct specialist at Crump Life Insurance Services.

Here are some fraudulent schemes that target insurance professionals and could compromise privileged information, resulting in an increased risk of fraudsters accessing client information. More>>

Static Assumption Do Not Account for Unforeseen Risks

23 Nov
Guest contributor Reggie Phillips, CLU, ChFC, CASL, is manager—insurance strategists at Truist Life Insurance Services.

How do financial professionals incorporate conversations around the risk of long-term care into their planning? Although the financial impact can be quantified by analysis, the focus first should be on the emotional impact on the family and the struggles of caregivers who would provide care.

Read on for some positioning statements and questions to help your clients think through their potential future need for long-term care. More>>

Planning for LTC: The 4 Words That Drive the Conversation

16 Nov

At some point in our lives, most of us will likely need some kind of long-term care support. But although people find it easy to talk about the experiences of a friend or family member who is going through a long-term care event, they are reluctant to have a conversation about their own need for care. More>>

What Butterfly Gardens and Insurance Brokers Have in Common

2 Nov

Guest contributor Dorothy Bonett, ALMI, AIRC, ACS, is vice president, sales development and marketing enablement at Crump Life Insurance Services.

I took my granddaughter to a local park recently, and to my surprise, we found many butterflies gathered in what is otherwise an open area. As we continued exploring the small area, we noticed a sign stating that this area in the park is designed specifically with butterflies in mind. It had all the flowers and plants that made them thrive.

Still, it fascinated me. The park is wide open with acres and acres of land. The butterflies were free to roam wherever they wanted, yet hundreds chose this small park area to call their home. Reflecting on what financial professionals provide clients reminds me of this butterfly garden. More>>

What a Breast Cancer Diagnosis Means for Obtaining Life Insurance

27 Oct

Guest contributor Lisa Arcuria, director, high net worth client support, at Crump Life Insurance Services.

In the U.S., we dedicate the month of October to Breast Cancer Awareness. Breast cancer and other forms of cancer affect many people’s lives each year. In 2022, roughly 1.9 million people in the U.S. will be diagnosed with cancer. An estimated 287,850 women and 2,710 men will be diagnosed with breast cancer, which makes it the most common cancer diagnosis. I want to share my personal story and my firsthand experience from the business side on how to secure life insurance for clients who have defeated cancer or who may be potentially genetically predisposed to developing cancer. More>>