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Merit Insurance Services News

• Show Me The Money! June 2, 2020
  When proposing life insurance we would manage client expectations better if we took time to explain the disproportionate obligations that exist once coverage is put in force.
  Tom Virkler
• Maximum Future Flexibility – Cash Value Life Insurance June 1, 2020
  This is seemingly the base definition of the purpose of insurance, but there are additional caveats based on the specific design of the products.
  CPS Insurance Services
• Underwriting Credits Help Make The Sale May 29, 2020
  The following case studies show how the identification and application of underwriting credits can significantly reduce premiums.
  CPS Insurance Services
• Long-Term Care Insurance: Re-Envisioned May 28, 2020
  Instead of trying to persuade the client to purchase what they view as unnecessary protection, why not propose a plan that offers additional layers of protection for scenarios that they do view as likely.
  Matt Anderson
• The “Third-Tier” Of Income Protection For Top Wage Earners May 27, 2020
  A high-cap excess personal DI is a great way for physicians, attorneys, accountants, and white-collar executives to find appropriate levels of economic safeguard.
  Thomas Nicols
• How To Successfully Use RMDs In Life Sales May 26, 2020
  In these situations it is important to know the carriers who are sympathetic to and will underwrite reasonable amounts of coverage if other facts about the case are in order.
  Tom Virkler
• No Adverse Underwriting For Family History Of Cancer May 22, 2020
  While most carriers limit eligible rate classes for this particular family history, there are still a couple of A+ carriers that do not underwrite family cancer histories at all.
  CPS Insurance Services
• What Demographic Is Seeing An Upswing In LTCi Sales? The Answer May Surprise You. May 21, 2020
  According to the American Association for Long Term Care Insurance, 26% of LTCi policies are sold to people age 45 to 54.
  LTC Sales
• Summer Time, And The DI Selling Is Easy May 20, 2020
  Accidents are bound to happen, and there are income protection policies geared towards these types of situations.
  CPS Insurance Services
• Multiplication Tables – Using Basic Financial Underwriting To Increase Your Sale May 19, 2020
  The most common insurance need among prospects and clients is to replace the income survivors would have anticipated had premature death not occurred.
  Tom Virkler