During the last week we have worked on dozens of life, long term care, disability and annuity cases working alongside our Advisers.
If you are not discussing these issues with your clients, then who will?
Westland is here to help you protect your clients, their, families, their businesses and their portfolio.
Don’t procrastinate discussions about protection strategies
We had a few cases this last week where clients finally decided to move forward with their LTC or Life proposals from late last year. Oops! Most carriers base pricing on nearest age, have had some price adjustments and/or have added additional underwriting restrictions form Covid-19.
Outcomes will either cost your clients more or result in no viable protection options available. Don’t get caught. We have been saying for many years that these protections never seem to get less expensive or result in a better outcome by waiting.
Advisor had a client age 58 that had some health issues and went with a reputable carrier who offered the least expensive rate. However, the result was a rated offer that wasn’t acceptable. When the health issues are vetted in the front end, we can likely go with a carrier that is more likely to make a better offer.
In this case, that is exactly what happened when we started over. Case went from a table 6 offer to a table 2 and saved about $5,000 per year.
Strong pre-sales capability can sure save a good deal of time and frustration.
Call me for assistance with a case today