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A Thaw in the Life Insurance Industry

Posted by Life Team on Oct 25, 2016 in

Life Insurance Awareness Month Starts Today!

Posted by Life Team on Sep 1, 2016 in
September is Life Insurance Awareness Month, and a great time to talk with your clients about their life insurance needs. Life Happens has a comprehensive campaign, including fliers and videos,  to help you get the conversation started. Check it out today. Life Happens LIAM Campaign

New Life Insurance Application for Banner Sales in Kansas

Posted by Life Team on Aug 25, 2016 in
Legal & General America's Kansas life insurance application has recently changed. The old application will no longer be accepted as of September 23, 2016. Please contact any of our life sales team members with questions, and click here to see the official announcement.

Three Important Factors to Making Your Money Last in Retirement

Posted by Life Team on Jul 18, 2016 in

Review More than the Policy – The “Policy Owner” Review

Posted by Life Team on Dec 15, 2015 in
It is amazing how many years can go by before the average client gets an annual policy review.  Sometimes, it’s many, and that’s not good for anyone. Life insurance is the largest unmanaged asset anyone ever owns yet it does need regular review. Yet, there is much more to review in a life portfolio...

Point-of-Sales Assistance

Posted by Life Team on Sep 10, 2015 in
Point-of-sales assistance is a process where a financial advisor (FA) partners with the subject matter expert (SME) within Target Insurance Services. In this partnership, it is not uncommon for the FA and SME to meet jointly with the prospect and develop a customized insurance plan. In some cases, the...

Picking the Right Life Insurance Product

Posted by Life Team on Jul 28, 2015 in
Life Insurance comes in many shapes and sizes. The type of policy that an individual should purchase depends on many factors such as: age when purchasing policy, medical history, use of tobacco, number of children and marital status. Choosing the right type of life insurance depends on individual circumstances...

Life Insurance 101

Posted by Life Team on Jul 21, 2015 in
 Why does my client need life insurance? Buys time: Allows loved ones to focus on their grief by helping to pay for the funeral and other costs. Provides a fresh start: Lets loved ones start with a clean slate by helping to pay off credit card bills, outstanding loans and even the mortgage. Generates...


Posted by Life Team on Jul 7, 2015 in
Target Insurance Services, Inc. has a unique relationship with LifeTrends through our BRAMCO affiliation.   LifeTrends is a consulting company that specializes in benchmarking 30+ of the top life insurance companies in the country. They gather an enormous amount of benching data, features...


Posted by Life Team on Jul 6, 2015 in
Good for Insureds, Good for Agents Almost every term policy has contractual conversion rights in the policy which allows the insured to exchange their policy or a portion of it for a permanent one without providing any medical underwriting. This is a particularly valuable benefit for someone whose...

Win The Big Case

Posted by Life Team on May 11, 2015 in
How Target’s Underwriting Can Help You Win the Big Case Placing a Big Life Case is obviously financially rewarding and can enhance your reputation and possibly increase referral business. When working on the Big Case you need to partner with an agency that can deliver more than just product. Target...

Carrier Websites

Posted by Life Team on May 4, 2015 in
Select one of the links below to learn more ways to meet your clients planning needs. John Hancock An extremely comprehensive resource for personal and business insurance. If you have questions or are looking for ideas, spend a few minutes on this site. • John Hancock Principal Financial...

Advanced Sales

Posted by Life Team on May 4, 2015 in
Serving the needs of affluent individuals and business owners can be complex.  Select one of the links below to discover more ways to meet your clients advanced planning needs. • Key Person Insurance • Buy Sell Planning • Cross Purchase Buy Sell Arrangement • Executive Bonus Plan •...

Ask the Underwriter

Posted by Life Team on Apr 30, 2015 in
In today’s challenging underwriting and reinsurance environment, a very critical component to our service is the ability of our underwriter to prepare difficult cases to help secure the best possible outcome for the client. Our track record in understanding the issues and uncovering pertinent yet often-overlooked...

Target’s Underwriting Advantages

Posted by Life Team on Apr 30, 2015 in
From its earliest days, one of Target Insurance Services, Inc.’s core strengths has been impaired risk underwriting. Target was one of the first agencies nationally to recognize the value of in-house underwriting expertise and has had an underwriter on staff for over 25 years. Our focus is to help...

Anti-Money Laundering Certification

Posted by Life Team on Apr 30, 2015 in
Anti-Money Laundering Training (AML) training is conducted to help detect and report suspicious activity including the predicate offenses to money laundering and terrorist financing, such as securities fraud and market manipulation. All agents must complete this training before submitting any applications,...

Producer Licensing & Contracting Packet

Posted by Life Team on Apr 30, 2015 in
Our generic contracting packet allows us to use this packet for most carrier contracting with the intention of making the contracting process easier for you.  Please click on the file below and complete the packet in its entirety to ensure smooth processing. • Producer Licensing and Contracting...

Working with Clients with Medical Issues

Posted by Life Team on Apr 30, 2015 in
Certain medical conditions or avocations can influence the rate classification your client can qualify for. Use these questionnaires to gather the information our underwriter will need to determine a potential rate. Cancer Questionnaire Coronary Artery Disease Questionnaire Diabetes Questionnaire...

Will My Client Qualify For Preferred Rates?

Posted by Life Team on Apr 30, 2015 in
Knowing what information is needed from a customer to determine a possible rate classification is sometimes frustrating. This questionnaire will provide the information our underwriter needs to determine a rate class. Obtain the answers with details to these questions and Target will advise you of...

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