BSMG Blog: Protecting the Future of Families and Businesses

Top 10 Helpful Hints for the Broker


Applying for life insurance can be an arduous process for clients. By setting expectations, you can help your clients avert any pain points and create a more positive experience. Check out these “Helpful Hints” from NAILBA to make sure your clients know what to expect.

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The Ultimate Cover Letter for the Underwriting Process


In those instances where the case submitted isn’t as black and white as one would hope, a well thought out cover letter inclusive of case details will aid in the underwriting process. We worked with our underwriters at Lincoln Financial to provide some guidelines

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Impaired Risk Series Iss. 1 - Approach to a Severely Under Water Plan

The Challenge:

The client, a highly successful business owner in his 70’s, was sold a permanent life insurance policy funded through a Premium Financing arrangement. He had become concerned about the current performance and whether or not it was still the best product for his situation. With a shared concern, his agent dug deeper. What he found as he dug into the details of the case was a very challenging situation, one which needed fixing.

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