in withSIM - Senior Insurance Marketing

SIM
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vol. 2 • issue 4
may2011
www.simkt.com
colorfulcabo
Beautiful beaches.
Delectable dinners. Tropical
temperatures. Throw in a
surprise performance by Van
Halen singer Sammy Hagar, and
you can only begin to imagine
how much excitement and fun
was packed into this year’s
SIM rewards trip to the
luxurious Riu Palace in Cabo
San Lucas, Mexico!
Guests enjoyed a special awards
presentation and dinner, ATV
outing, spa treatment and
booze cruise, besides plenty of
shopping and relaxation under
the sun.
Our annual trip fosters agent
interaction and camaraderie,
and we hope many more qualify
to join us next year!  —JG
These SIM agents
joined us in Cabo:
Bob R. * Eric M. * Jeff S.
Lary L. * Larry B. * Paul R.
Tim R. * Wes B.
long-termcare
Is the future long-term care
problem getting smaller?
Expenses for end of life care
are going up and up. So what
is the solution? Long-term
the boomers are coming!
And I am one of them; born
in ’46 and soon to be 65. This
huge boomer retiree market is
just about upon us.
End of life expenses. Just
about all of us have had an
experience or two with living
will directives, assisted living
arrangements for parents or
nursing home stays. Longterm care (LTC) policies have
been in vogue now for nearly
20 years, and what is their
reputation?
but the word is out that this
market is thriving. SIM has
contracted with several. Some
companies pay benefits under a
reimbursement like traditional
What do you think about a plan that
guarantees that there will never be
a rate increase and you will always
get your money back?
About 16 percent of LTC
policies exhaust all of the
benefits that people
purchase ... [everyone else
dies before]. Many
companies are leaving the
marketplace. Most
companies have raised
rates at least one time and
a few more than once.
Underwriting is getting
more difficult. Application
packages are getting longer
with more disclosure.
All in all, a pretty ugly
marketplace for some.
care works if you can get it
issued. However, those who die
before benefits begin have just
experienced erosion of wealth.
What do you think about a plan
that guarantees that there will
never be a rate increase and
you will always get your money
back?
Life insurance policies designed
to deliver LTC benefits by
accelerating the death benefit
is a very good solution for many
people who know they need
capital infusion into their family
for end of life expenses. There
aren’t many companies today,
Happy
birthday
Kathy
MAY 18
health plans, but some offer
indemnity payments directly
to the insured. One company’s
rider allows the insured to dial
in benefits from $1,000 to $8,000
per month on an indemnity
basis. Another offers extension
of benefits riders to pay benefits
up to 100 months at either 2 or
4 percent of the face amount.
Let’s play defense while we
play offense. Every Medicare
supplement client ought to hear
this story from you, not your
competition. Call Larry at SIM
for ideas and illustrations:
(877) 800-3080.  —LL
Staff Sidebar
Where is your dream
summer vacation
destination?
unlbonuses
Don’t forget about the
many perks you can take
advantage of right now, just for
selling United National Life!
be issued on or before July 11.
The excursion includes roundtrip airfare for two, a two-night
During the month of May, for
every UNL application received,
Senior Insurance Marketing will
enter you into a drawing for a
brand-new iPad 2. In addition,
double convention credits will be
awarded.
“Backpacking in Europe.”
—Ann
“The Gibson Desert and
Great Barrier Reef in
Australia.” —Justin
“Hawaii!” —Kathy
“I have a bucket list
of places to go with no
preference.” —Larry
“Rome.” —Jason
Find us on
Facebook!
UNL is also offering a trip
to Chicago Aug. 17–19 for
agents who submit $10,000
in annualized premium from
May 1 to July 1 (which must
hotel stay, a group dinner, and
more! For more information and
restrictions, click the two ad
thumbnails or call Jason at SIM:
(877) 800-3080.  —JG
2012 SIM rewards trip points (need 100 to qualify)
Annuity (equity-indexed)............................. 1 pt.................. per $10,000
Annuity (fixed)............................................... 1 pt.......................... $20,000
Cancer................................................................ 1 pt............................. $1,000
Dental/vision/hearing....................... 1 pt............................. $1,000
Disability......................................................... 1 pt............................. $1,000
Final expense.............................................. 1 pt............................. $1,000
Hospital/other health........................ 1 pt............................. $1,000
Life/final expense................................... 1 pt............................. $1,000
Long-/short-term care...................... 1 pt............................. $1,000
Medicare supplements...................... 0.6 pts.......................per app
Single premium life............................. 1 pt............................. $6,000
PRESIDENT Michael T. Roth VICE PRESIDENT Kristi Roth OFFICE MANAGER Kathy Dudley
LIFE & ANNUITIES SPECIALIST Larry D. Larsen MARKETING REPRESENTATIVE Ann Enevoldson
MARKETING REPRESENTATIVE Jason Woody INTERNET MARKETING COORDINATOR Justin L. Gibson