Six in 16: My Family’s Military Journey and Reflections on Security

10 Nov

Guest contributor Kim Stringer is an insurance specialist with Truist Life Insurance Services.

Military spouses are essentially running single-parent households and have a lot on their plates in addition to the stress of worrying about their deployed partner. With a high frequency of relocation, they also may not have the deep family connections that many of us rely on for advice and support. And with many of the military spouses’ benefits ending when they retire, typically at an earlier age than others retire from the general workforce, their planning needs are different. Take all these factors into consideration and you can offer a great service to those who provide a great service to all of us. More>>

Helping Clients and Prospects Obtain Long Term Care Insurance

9 Nov

The need for LTCi to pay for long-term care is becoming more critical every day. While the U.S. Department of Health and Human Services estimates that 70% of people turning 65 today will require long-term care at some point, only 17% of respondents to the Insurance Barometer Study conducted by Life Happens and LIMRA say they have individual LTC coverage. During November, which is Long-Term Care Insurance Awareness Month, financial professionals will share the message with their clients and prospects that getting LTCi can help cover the cost of care when that care is needed the most. 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>>

Addressing the Two Most Common Objections to Buying Life Insurance

19 Oct
Vice president of Advanced Sales, Carma McCallie, JD, shares how financial professionals can overcome common client objections to buying life insurance.

Life insurance can play an important role in completing clients’ planning goals. I can’t tell you the number of times that I’ve seen a policy make a significant difference after the death of the insured — for example, children being able to go to college, spouses not having to sell off assets to survive, or even family businesses continuing after the owner’s death. So many other situations exist where life insurance benefits are crucial in accomplishing clients’ goals. Sometimes, however, having an open conversation with clients about the protection and benefits of life insurance can be met with objection. How do financial professionals overcome common client objections? More>>

Hispanic Heritage Month—and Beyond

15 Sep
We know that the need for life insurance continues to grow, according to the 2022 Insurance Barometer Study, by Life Happens and LIMRA.

In fact, 44% of Americans would feel financial hardship within six months if their household’s primary earner died, with one in 10 saying it would only be a week.
Our same survey also shows that the need for life insurance is heightened in certain communities, with the Hispanic community expressing the highest need: 51% say they need life insurance or more of it.

That is why, as we look toward the start of Hispanic Heritage Month on September 15, we are offering a full suite of resources in Spanish and English, in keeping with Life Happens’ ongoing commitment to reaching the Hispanic community. More>>

Thanks! It has pockets! — Understanding the Needs of Our Insurance Clients

10 Aug
Guest contributor Courtney Kulp, ALMI, ACS, supervisor, sales development specialist at Crump Life Insurance Services.

How many times have we heard a woman receive a compliment on a piece of clothing she is wearing, and her response is, “Thanks! It has pockets!”? Not having pockets means that women are left scrambling to create a makeshift pocket out of another part of their clothing.

Insurance isn’t an industry where we can add pockets to our clients’ garments. But how many of our clients have a need that we don’t even know exists because we haven’t been faced with that need in our own lives? More>>

Go Where People Are Not Going: Serving the Female Investor

29 Jun

Guest contributor Eileen Shovlin, regional director at Crump Life Insurance Services.

A mentor once told me to “go where people are not going,” and I’ve kept this advice in mind as I work to help financial professionals grow their businesses. Our discussion focused on how to grow your new client business by going where people are not going: serving the female investor. More>>

Help Close the Financial Security Gaps in LGBTQ+ Community

22 Jun

While the LGBTQ+ community has made much progress over the past decade in terms of legal protections, thanks in large part to a few different favorable rulings from the U.S. Supreme Court, when it comes to many measures of financial security LGBTQ+ individuals still lack equality with the general U.S. population. More>>

What Juneteenth Means to Me, as a Black Financial Services Professional

21 Jun
Guest contributor, Jay Wilkerson, is an internal wholesaler at Crump Life Insurance Services.

Now that Juneteenth, also called Freedom Day or Black Independence Day, is a federal holiday, we must celebrate it for what it recognizes: the end of slavery in the United States, and not let it be seen as just another day off work.

To me, the observation of Juneteenth symbolizes the reflection and celebration of our resilience in the face of constant adversity. Although personal freedom is undoubtedly the most basic right, we should strive for a level of financial freedom as it is the ultimate way to protect our families and future generations. More>>

3 Ways to Improve Your Cold-Calling Skills

25 May

Guest contributor Brooklynn Slaughter, direct sales representative at Crump Life Insurance Services.

With a shift toward new digital sales techniques and technologies, it’s easy to forget the value of traditional cold calling in building business relationships. Cold calling has been around for years, and in the world of insurance, we continue to lean on this method because it works.

Here are three recommendations to help you achieve cold-calling success. More>>