Using Your Resources Wisely

Many of our readers are independent insurance brokers and general agents with practices focused on individual benefits and estate planning services.  Most of you rarely venture into the group and employee benefits sectors, but it wouldn’t hinder your business at all to consider looking there once in a while.  The experience could be delightful and very profitable.  Now I recognize that it is truly best form to stick to your specialties and practice in a field of expertise.  However, there are opportunities that will help you bridge into the group market with ease, expanding and diversifying your potential client base.

Your current client rolodex is your best tool in accessing multi-life or group business.  Navigate your own files.  They are filled with leads and door openers.  You may have a physician client or an attorney client to whom you have successfully sold life insurance, disability insurance, even high-limit excess disability insurance; a job well done.  But that same client has colleagues and co-workers who are also in need of higher levels of insurance.

Instead of or in addition to asking for one-on-one referrals from your client, as you may be so accustomed, request to speak with his/her human resources manager or the company’s executive committee.  For you have direct access to a spectacular income protection benefits platform that will greatly serve those insured better than any other financial services product on the market.

Petersen International’s GSI (guaranteed-issue) Excess Disability Plan is the new buzz around the U.S. employee benefits market.  The plan is flexible and can be designed to provide long-term, comprehensive disability benefits at levels unattainable through traditional individual or group benefit markets.  Another major selling point is that the program is very attractive, and most importantly unobtrusive, to HR departments who historically shy away from benefits platforms that are outside basic necessity.

Petersen’s GSI Plan provides superior income protection (without any medical underwriting) on a voluntary, mandatory or combination basis, and boasts huge group discounts and simple enrollment strategies that have proven to pacify and excite even the most stubborn of HR managers.

There are riches to be discovered in the employee benefits market, and your best prospecting can be had among your faithful clientele.  We can help you turn an impressive individual sale into a multi-life windfall.

Call Petersen International at (800)345-8816 to learn more about accessing the very lucrative excess group DI business.