Friday, October 31, 2014

How Knowing Tobacco Use & Cessation Guidelines can create opportunities - Underwriting Series



Tobacco use comes in many forms: cigar, pipe, chew, snuff and even Nicorette gum. But cigarettes are the most significant tobacco product that impacts life insurance pricing, especially smoking cessation.

Syndicated financial columnist and talk show host Steve Savant unpacks forms of tobacco and the underwriting protocols of life insurance underwriting with special emphasis on specific carriers.

Thursday, October 30, 2014

How selecting the right carrier can make all the difference - Underwriting Series



Although medical underwriting is touted as a science, the disparity in underwriting offers can vary dramatically. Even specific diseases can be treated more benevolently from one carrier to the next. That's why it's important to shop the entire life insurance market though brokerage outlets who specialize in impaired risk case placement.

Syndicated financial columnist and talk show host Steve Savant points out the carrier features to look for in life insurance underwriting. http://youtu.be/IZUil7xq57k

Wednesday, October 29, 2014

How lifestyle credits & shaving programs can place your case - Underwriting Series



Lifestyle credits are based on positive behavioral traits not necessarily cited in attending physicians statement nor reflected in a blood and urine analysis. Regular exercise and diet top the list of favorable activities that can credit an underwriting balance sheet.

Those credits reduce the rating applied to the underwriting offer and may qualify for table shaving programs that potentially could remove substandard charges altogether.

Syndicated financial columnist and talk show host Steve Savant escorts you through the basics of life insurance underwriting.

Tuesday, October 28, 2014

How to determine what type of underwriting to use - Underwriting Series



There are several approaches to the use of underwriting. But pre-qualifying a case based on premium tolerance can help direct the case to a variety of options like submitting an informal, simplified or guaranteed issue.

Syndicated financial columnist and talk show host Steve Savant addresses the typess you of life insurance underwriting.

Monday, October 27, 2014

Why the basics can help you place more cases - Underwriting Series

Understanding the basics of life insurance underwriting is a critical component in the sales process for financial advisers and insurance professionals. Syndicated financial columnist and talk show host Steve Savant walks you through the basics of life insurance underwriting.

Friday, October 24, 2014

What Life Insurance Companies Are Looking For - Preparing for a Life Insurance Exam



Some of the things you may be tested for through a blood and/or urine sample may include, but are not limited to levels of: Sugar, Protein, Cholesterol, Liver & Pancreas functions. Other items tested for are hepatitis, HIV, PSA, Kidney disorder, Diabetes, Nicotine, Cotinine, Drug Abuse, Immune disorders and certain prescription medications.

Syndicated financial columnist and talk show host Steve Savant interviews seasoned paramedical examiner Kevin Jensen on this week's series, Preparing for a Life Insurance Exam.

Thursday, October 23, 2014

How to Improve Your Exam Results - Preparing for a Life Insurance Exam



Many Americans have a phobia regarding needles that draw blood. Sometimes it's the size of the needle that is disconcerting to the prospective insured. A smaller needle known as the "butterfly" is used for those who experience discomfort with needles.

Certain medications, vitamins and herbs can alter the results in a life insurance exam. While prospective insureds are encouraged to maintain their prescribed medications, vitamins and herbal products may need to be eliminated 2-3 days before the exam.

Syndicated financial columnist and talk show host Steve Savant interviews seasoned paramedical examiner Kevin Jensen on this week's series, Preparing for a Life Insurance Exam.

Wednesday, October 22, 2014

Preparing for the Morning of Your Exam - Preparing for a Life Insurance Exam



There are several protocols before the morning of the paramed exam. Most life insurance medical examiners require no food for 12-14 hours before the exam as well as no coffee. The exam requires a resting period of 8 - 12 hours, i.e. no strenuous physical activity. Prospective insured, who maintain a high protein diet, will need to change their food intake to a minimal protein diet 3-5 days before the exam. Water and other fluids ( excluding alcohol ) are recommended to lower creatine levels. These are just a few of the basic preparations to ready the prospective insured for a life insurance exam.

Syndicated financial columnist and talk show host Steve Savant interviews seasoned paramedical examiner Kevin Jensen on this week's series, Preparing for a Life Insurance Exam.

Tuesday, October 21, 2014

How to Get Ready for an Exam - Preparing for a Life Insurance Exam



Life insurance premiums are priced based on the medical health of the prospective insured. To receive the best possible results from a life insurance exam, preparation is important. This episode introduces the traditional preparation for a life insurance exam and addresses the items that will be required for the paramedical exam.

Syndicated financial columnist and talk show host Steve Savant interviews seasoned paramedical examiner Kevin Jensen on this week's series, Preparing for a Life Insurance Exam.

Monday, October 20, 2014

What is a Paramedical Exam? - Preparing for a Life Insurance Exam

Tens of thousands of Americans seek life insurance coverage every year. Most coverage over $100,000 requires a paramedical exam which includes a blood and urine profile and many times an EKG. Blood pressure tests are taken as well as the height and weight of the prospective insured.

This episode explains the basics included in a 30-minute life insurance exam and the preparation techniques before the exam.

Syndicated financial columnist and talk show host Steve Savant interviews seasoned paramedical examiner Kevin Jensen on this week's series, Preparing for a Life Insurance Exam.

Friday, October 17, 2014

How to Command Respect with a Click



Secular media outlets can add significant authority to your practice and command respect with viewers and prospects. But it can be difficult to have your content displayed with nationally recognized news. But many advisers use insurance carriers who may allow their logos to be placed on adviser web sites. The increased authority of a carrier logo can help you build out your business. This episode highlights the power of third party connections.

Here's a quick link for Jeremiah's newest marketing tip on how to secure a major media that will feature your content.

Syndicated financial columnist and talk show host Steve Savant interviews Millennial marketer Jeremiah Desmarais, award winning business growth strategist and digital marketing guru.

Thursday, October 16, 2014

The 4 Step Lead Nurturing Funnel that Weeds Out Tire Kickers



This four step process that helps reduce and sometimes eliminate unqualified prospects in this simple strategy in securing new clients. The centerpiece to this strategy is an online giveaway like information viewers can download or a link to a video that explains a simple concept. This entire process,when completed, can link to your appointment calendar where clients can schedule an appointment based on open time slots.

Here's a quick link for Jeremiah's newest marketing tip on how to secure a major media that will feature your content.

Syndicated financial columnist and talk show host Steve Savant interviews Millennial marketer Jeremiah Desmarais, award winning business growth strategist and digital marketing guru.

Wednesday, October 15, 2014

The $40,000 YouTube Strategy

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This YouTube strategy can use a simple smart phone video camera to produce a quick and pithy video that can capture online traffic and generate leads. This episode displays the YouTube video template that walks you through the basic video protocols.

Here's a quick link for Jeremiah's newest marketing tip on how to secure a major media that will feature your content.

Syndicated financial columnist and talk show host Steve Savant interviews Millennial marketer Jeremiah Desmarais, award winning business growth strategist and digital marketing guru.

Tuesday, October 14, 2014

The Fast & Free LinkedIn Strategy that Generates 4 Leads a Day

LinkedIn has the highest quality prospects on any of the social media network. Lead buying strategies can work, but often can't be economically justified. Only a few vetted lead systems work. But this LinkedIn lead system is very unique and is highly ranked with Google. LinkedIn is a generally accepted business to business environment, but it actually is a credible consumer arena. This episode explains this lead generating strategy.

Here's a quick link for Jeremiah's newest marketing tip on how to secure a major media that will feature your content.

Syndicated financial columnist and talk show host Steve Savant interviews Millennial marketer Jeremiah Desmarais, award winning business growth strategist and digital marketing guru.

Monday, October 13, 2014

The 10-Minute, One-Line Email that Generates Leads & Good Will



It's rare to find a basic and easy online prospecting campaign that is a low budget and high impact strategy. Tapping into good will and maintaining it is a nurturing tactic that uses consistent contact with short messaging. Broadcast email is fundamentally dead. Leading with a personable and short one liner can generate surprising results.

Here's a quick link for Jeremiah's newest marketing tip on how to secure a major media that will feature your content.

Syndicated financial columnist and talk show host Steve Savant interviews Millennial marketer Jeremiah Desmarais, award winning business growth strategist and digital marketing guru.

Friday, October 10, 2014

How to Select & Retain Ideal Clients - Psychology of the Smart Advisor

You only have a few seconds to get a client or prospective client on board with you and it's not your products. You must sell yourself to the client before having any chance of selling your products or services. Active listening is the key to persuading the client to get on board.

In part 5 of The Psychology of the Smart Advisor, syndicated financial columnist and talk show host Steve Savant interviews sports psychologist Dr. Jack Singer and author of The Financial Advisor's Ultimate Stress Mastery Guide on Amazon.com Dr. Jack has been a special guest on ESPN Sports, CBS Sports, The Glen Beck show and many other media channels.

Thursday, October 9, 2014

How to Learn & Implement the Power of Affirmation - Psychology of the Smart Advisor

Every elite athlete has mastered the steps necessary to remaining mentally tough when challenges present themselves. This simple, yet powerful, formula will teach every sales professional how to accomplish this with less than 5 minutes of practice daily.

In part 4 of The Psychology of the Smart Advisor, syndicated financial columnist and talk show host Steve Savant interviews sports psychologist Dr. Jack Singer and author of The Financial Advisor's Ultimate Stress Mastery Guide on Amazon.com Dr. Jack has been a special guest on ESPN Sports, CBS Sports, The Glen Beck show and many other media channels.

Wednesday, October 8, 2014

How Advisers Can Overcome The Impostor Fear - Psychology of the Smart Advisor

In part 3 of The Psychology of the Smart Advisor, syndicated financial columnist and talk show host Steve Savant interviews sports psychologist Dr. Jack Singer and author of The Financial Advisor's Ultimate Stress Mastery Guide on Amazon.com Dr. Jack has been a special guest on ESPN Sports, CBS Sports, The Glen Beck show and many other media channels.

Tuesday, October 7, 2014

How to Learn & Implement the Power of Affirmation - Psychology of the Smart Advisor

Sales professionals and financial advisors have to overcome the “internal obstacles” to their success before they can ever hope to reach their potential. Internal obstacles are the most powerful, yet least addressed issues in traditional sales training programs. There are powerful ways to take charge of that negative self-talk and unleash the giant within.

In part 2 of The Psychology of the Smart Advisor, syndicated financial columnist and talk show host Steve Savant interviews sports psychologist Dr. Jack Singer and author of The Financial Advisor's Ultimate Stress Mastery Guide on Amazon.com Dr. Jack has been a special guest on ESPN Sports, CBS Sports, The Glen Beck show and many other media channels.

Monday, October 6, 2014

How to Identify Job & Life Stressors Inherent in Advisors - Psychology of the Smart Advisor

Although there are common life stressors that are inherent to simply being human. Then there are specific vocational and domestic life stressors like professional sports or high producing advisers that generate unique challenges to maintaining success.

In part 1 of The Psychology of the Smart Advisor, syndicated financial columnist and talk show host Steve Savant interviews sports psychologist Dr. Jack Singer and author of The Financial Advisor's Ultimate Stress Mastery Guide on Amazon.com Dr. Jack has been a special guest on ESPN Sports, CBS Sports, The Glen Beck show and many other media channels.

Friday, October 3, 2014

Claiming Strategies for Widows, Divorcees & Singles - Social Security

There are incredible benefits available for widows, divorcees and singles that can really make an impact on their Social Security benefits. One key example in the show is divorcees who have been married 10 years or more may tap their ex spouses benefits.

In part 5 of The Strategies to Max Social Security Benefits, syndicated financial columnist and talk show host Steve Savant interviews Social Security strategist and expert Brian Doherty, author of Getting Paid to Wait (Bigger Social Security Benefits, the Simple and Easy Way)

Thursday, October 2, 2014

Claim Early Claim Late Strategies - Social Security

There are at least 81iteration calculations to review to quantify the best "claiming" strategies for Social Security recipients.Thankfully, there many software vendors that offer calculators to advisers. Some of these vendors have simplified the calculators for consumer use. Whether claiming early or late, the calculators can crunch the numbers and deliver the best options for Social Security benefit income.

In part 4 of The Strategies to Max Social Security Benefits, sydicated financial columnist and talk show host Steve Savant interviews Social Security strategist and expert Brian Doherty, author of Getting Paid to Wait (Bigger Social Security Benefits, the Simple and Easy Way)

Wednesday, October 1, 2014

The Power of COLA & Spousal Benefits - Social Security

Since 1975, the Social Security administration has credited a cost of living adjustment (COLA) to combat times of inflation. There has been only two years when the administration didn't assess a COLA raise in 2009 and 2010. COLA is assigned to the benefits filed by the Social Security recipient. Whatever age benefits start, the COLA will be assigned to that monthly income number. Waiting until age 70 would not only maximize your benefit, but the COLA would be benchmarked to that income number, further maximizing benefits.

In part 3 of The Strategies to Max Social Security Benefits, syndicted financial columnist and talk show host Steve Savant interviews Social Security strategist and expert Brian Dorherty, author of Getting Paid to Wait (Bigger Social Security Benefits, the Simple and Easy Way)

About Steve Savant

Steve Savant

As the National Marketing Spokesperson for Ash Brokerage, Steve Savant looks forward to meeting financial professionals in every way possible - in person or by video through conferences and social media.

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