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Principal’s Enhanced DI Website

Posted by acampbell on Jul 26, 2017 in okforhome
Ever wonder who to look at when selling individual DI? Or who the perfect client to market to is? Do you need to find leads?   Principal has a newly enhanced website to make it even easier to target DI prospects. Check it out here, and click to learn more about key markets.  

New Underwriting Pre-Screen Tool

Posted by acampbell on Jun 21, 2017 in okforhome
A safe and secure way to gather underwriting information without having to ask health questions. A good pre-qualification can help save a sale! Find out more.

New IUL Infographic

Posted by LTCi Team on Jun 20, 2017 in okforhome
Take a quick look at why you might want to consider an IUL instead of a GUL.

Happy Father’s Day!

Posted by acampbell on Jun 15, 2017 in okforhome

Protective ExtendCare Rider now available with more products

Posted by LTCi Team on Jun 7, 2017 in okforhome
Protective Life Insurance Company is please to announce that their new ExtendCare Rider is currently available with their Investors Choice VUL and Strategic Objectives VUL products. Key features to consider: Removal of the permanent loss of two Activities of Daily Living (ADLs) requirement—there...

Upcoming LTCi Webinars From Carriers

Posted by LTCi Team on May 24, 2017 in okforhome
  Wednesday, May 24, 2:00 pm CT: LTCi Operations: How Policies Get Issues...A Behind-The-Scenes Look Join Mututal of Omaha May 24 at 2:00 CT for a comprehensive look of what happens after your client purchases an LTCi policy. Click here to register.   Thursday, May 25, 2:00 pm...

Calculate your income protection needs

Posted by DI and CI Team on May 18, 2017 in okforhome
Disability Insurance Awareness Month is a great time to remind clients about the importance of income protection. Principal's new easy-to-use calculator makes it a snap to show your clients just how affordable DI can be. And, the calculator will direct your clients back to you for purchase. Just...

May is Disability Insurance Awareness Month

Posted by DI and CI Team on May 1, 2017 in okforhome
Have you considered adding DI to your product portfolio? If not, now is a great time to take a look. And if you are a DI broker already, talk with our DI Team for ways to take advantage of DIAM. Also, be sure to check out George Wilkins Target InSights video, focused on the benefits of DI.   George...

How active are your clients?

Posted by acampbell on Apr 20, 2017 in okforhome
Talk to us about products that reward your clients for living a healthy lifestyle.  

Upcoming PruLife UL Protector Product Changes

Posted by acampbell on Feb 13, 2017 in okforhome
Effective February 27, premium rates on PruLife® Universal Protector will increase in approved states. This new pricing will not have Face Amount limits. Click for more information.    

Rate Changes for Pru’s Term Essential

Posted by acampbell on Feb 13, 2017 in okforhome
Prudential announced rate changes for new sales of one of its most popular products, Term Essential. Effective February 27, you'll see changes in rates, plus other product enhancements.   Click to read more.

LTCi Claims Materials from Mutual of Omaha

Posted by acampbell on Feb 1, 2017 in okforhome
If you've ever wondered about the claims process for LTCi, Mutual of Omaha has developed some agent training pieces to help you get up to speed. Click on Agent Guide or the Brainshark tutorial to learn more.  

Happy Holidays from Target Insurance Services!

Posted by acampbell on Dec 22, 2016 in okforhome

Genworth announces their suspension of All Traditional Life Insurance and Fixed Annuity Sales effective March 7, 2016.

Posted by Gretchen Jabben on Feb 5, 2016 in okforhome
Stand-alone LTCi sales are not impacted.   In our predictably fluctuating financial market economy we occasionally see changes within the insurance industry which catch us all off guard. We are processing the information from Genworth and waiting on analysis which will provide us with additional...

It’s Long-Term Care Insurance Awareness Month

Posted by LTCi Team on Nov 2, 2016 in okforhome
Learn about this important coverage: http://lifehap.pn/1haLqT9

A Thaw in the Life Insurance Industry

Posted by Life Team on Oct 25, 2016 in okforhome

Life Insurance Awareness Month Starts Today!

Posted by Life Team on Sep 1, 2016 in okforhome
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 okforhome
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.

MetLife Individual Disability Insurance New Sales Suspended

Posted by DI and CI Team on Aug 24, 2016 in okforhome
As previously communicated, MetLife is suspending all individual disability sales as of September 1, 2016. The last date to place issued policies is October 31, 2016. This suspension does not apply to group/GSI disability business. Click here to read the full announcement.

Dealing with resistance when caring for the elderly

Posted by LTCi Team on Aug 16, 2016 in okforhome
Caring for the elderly can be challenging--but understanding their resistance and learning how to encourage cooperation can help.

July 12: Salary Continuation and Executive Bonuses – Onsite 2 Hrs CE KS/MO

Posted by DI and CI Team on Jul 5, 2016 in okforhome
Join us on Tuesday, July 12 at 8:30 am for onsite CE. The objective of this course is to learn more about the salary continuation and executive bonus programs. It will help give the producer a background on how each program works and how Individual Disability Insurance can be used to as one way to...

2016 Alzheimer’s Facts and Figures Available

Posted by LTCi Team on Jun 28, 2016 in okforhome
The Alzheimer's Association recently published their 2016 Facts and Figures Study, discussing causes of Alzheimer's and other forms of dementia. In a special section, the report talks about the impact Alzheimer's has on personal finances, and how those diagnosed with dementia are cared for.  Click...

July 12: Solutions for the Highly Compensated – Onsite 2 Hrs CE KS/MO

Posted by DI and CI Team on Jun 23, 2016 in okforhome
Join us on Tuesday, July 12 at 8:30 am for onsite CE. This presentation will outline the risks associated with disability and the solutions currently offered in the disability insurance industry that help protect and retain highly compensated, key employees. 1 Hour (8:30 - 9:30 am) In the second...

May is Disability Insurance Awareness Month

Posted by DI and CI Team on May 23, 2016 in okforhome
Did You Know? BUSINESS AND INCOME PROTECTION ARE TOP PRIORITIES for business owners; yet most of them don’t have disability coverage.1 There are 28 MILLION SMALL BUSINESSES in the U.S., representing 99.7% of all employer firms.2 The DISABLED WORKER POPULATION CONTINUES TO GROW. Those receiving...

Disability Facts

Posted by DI and CI Team on May 12, 2016 in okforhome
About two-thirds of the American workforce has no private disability insurance. This leaves them vulnerable to the financial consequences of an illness or injury that prevents them from earning an income. Without insurance, most long-term disabled American workers are forced to rely on government programs,...

Deferred Income Annuities 101

Posted by Annuity Team on May 12, 2016 in okforhome
A deferred income annuity (“DIA,” and also sometimes referred to as a longevity annuity), is a contract between you and an insurance company. You give a lump-sum payment to the insurance company in exchange for guaranteed lifetime income that begins at a future date, up to forty years later in some...

May is Disability Insurance Awareness Month

Posted by DI and CI Team on May 5, 2016 in okforhome
May is Disability Insurance Awareness Month. Each year, The Council for Disability Awareness joins forces with others in the insurance industry to raise awareness about the importance of income protection. The tools and resources on their website are designed to help advisors, employers, consumers,...

April 5: Combination Disability Update – Onsite 2 Hrs CE KS/MO

Posted by DI and CI Team on Mar 18, 2016 in okforhome
Join us on Tuesday, April 5 at 8:30 am for onsite CE. You will learn the design options for a group long-term disability and individual disability income (DI) insurance combination program and how to present this solution to business owner clients and their employees. 1 Hour (9:30 am - 10:30 am) In...

Your ability to earn a living is far and away your Largest Asset!

Posted by DI and CI Team on Feb 19, 2016 in okforhome
Think about it. What would happen if suddenly, due to an illness or injury, you were unable to work? Without your paycheck, how long would you be able to make your mortgage or rent payment, buy groceries or pay your credit card bills without feeling the pinch? If you’re like most, it wouldn’t...

February 9: Trends In Disability Income – Onsite 2 Hrs CE KS/MO

Posted by DI and CI Team on Feb 1, 2016 in okforhome
Join us on Tuesday, February 9 at 8:30 am for onsite CE. This course will help you learn more about the individual disability insurance industry and market trends that are currently happening today. It will help give the producer background into how the industry has evolved in the last 10-20 years....

February 9: Draft a Plan to Help Protect Business Owners – Onsite 2 Hr CE KS/MO

Posted by DI and CI Team on Jan 18, 2016 in okforhome
Join us on Tuesday, February 9 at 8:30 am for onsite CE. You will learn the objectives and benefits of each of the solutions (Individual Disability Income, Overhead Expense, Business Loan Protection, Disability Buy-Out and Key Person) and how they may be able to work together to help give the business...

Receptionist Needed

Posted by acampbell on Jan 5, 2016 in okforhome
We are looking for a new receptionist. Click here for the link to the job description, and please share with interested candidates. Interested candidates should submit a resume to Nita Mead at  nitam@targetins.com. We will not consider any candidates currently employed with any of our clients.      

January 28: The Evolution of Long Term Care & Insuring the Risk – Onsite 1 Hr CE KS/MO

Posted by Gretchen Jabben on Jan 2, 2016 in okforhome
Join us on Thursday, January 28 at 8:30 am for onsite CE. During this one hour class, Timothy Vannoy, CLU, ChFC, CFP will be exploring how to help clients plan for long term care events. He will be discussing the traditional long term care marketplace and recent events facing the carriers. There...

Here’s Why You Need Critical Illness Insurance (But Maybe Your Parents or Grandparents Didn’t)

Posted by DI and CI Team on Dec 16, 2015 in okforhome
One thing that makes critical illness insurance unique is that it was not created by an insurance company, but by a world-famous heart surgeon, Dr. Marius Barnard. He was part of the team, headed by his brother, Christian Barnard, that successfully performed the first human heart transplant. Dr. Barnard...

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

Posted by Life Team on Dec 15, 2015 in okforhome
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...

Selling Disability Insurance? Share this Infographic with your clients!

Posted by DI and CI Team on Nov 23, 2015 in okforhome
Sometimes pictures speak louder than words, and that's certainly the case with this new disability insurance infographic provided by the CDA. Check it out. Print it out. Share it with your clients. It will help them understand the grave need for paycheck protection. Hint: Click on the image to see...

November is LTC Awareness Month

Posted by LTCi Team on Nov 11, 2015 in okforhome
Visit the LTCi/Combo product section to find statistics and materials focused on starting an LTCi conversation with your clients. The Newsletters and Carriers tab has webexes, newsletters, brochures, and more. Target Insurance Services has also created pieces designed to get your clients thinking...

Disability Awareness Quiz

Posted by DI and CI Team on Nov 9, 2015 in okforhome
How much do you know about disability? Test your disability awareness. Take the "Disabilty Can Happen" Quick Quiz.   Sample Questions: Most disabling injuries occur on the job. FALSE: : 95% of reported CDA Member Company disability claims are not work-related. The 2010...

Disability Statistics

Posted by DI and CI Team on Oct 28, 2015 in okforhome
Disability Statistics are daunting, indicating that 1 in 4 of today's 20 year-olds will become disabled before they retire. Over 37 million Americans are classified as disabled; about 12% of the total population. More than 50% of those disabled Americans are in their working years, from 18-64. Disability...

Point-of-Sales Assistance

Posted by Life Team on Sep 10, 2015 in okforhome
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 okforhome
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...

Educational Opportunities

Posted by Gretchen Jabben on Jul 27, 2015 in okforhome
August 2, 2017: 1, 2, or 3 hours of Ethics CE; 1 hour DI CE May 1, 2017: 2 hours with Jerry Bell; 1 hour 1035 Exchange CE March 29, 2017: 2 hr DI CE with Rick Cordara; Lunch and learn with Shawn Britt March 2, 2017: 1 hr DI CE; 1, 2, or 3 hrs Ethics CE; Jerry Bell CE; February 2, 2017:...

Qualified Longevity Annuity Contract 101

Posted by Annuity Team on Jul 22, 2015 in okforhome
Qualified Longevity Annuity Contracts are a fairly new form of retirement income annuity solution. Similar to an immediate annuity, the longevity annuity's goal is to provide income for life. However, payments may not begin until years (or even decades) after purchase.   Other Sources Use...

Life Insurance 101

Posted by Life Team on Jul 21, 2015 in okforhome
 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...

Target Newsletters

Posted by Gretchen Jabben on Jul 16, 2015 in okforhome
July 17, 2017: New underwriting tools; Heidi Welch Target InSights video; UW update June 20, 2017: New Underwriting Tools from Target; Term Pricing Update from LGA; DOL Summary for Annuities May 11, 2017: Voya Annuity Webinar; Acknowledgement & Consent for EOLI; Vitality and Diabetes ...

Target Newsletters

Posted by Gretchen Jabben on Jul 16, 2015 in okforhome
An important part of our job here at Target is to keep our eyes open and pass along to you industry news, sales ideas and other information to help you grow your business. Matt McAvoy, CLU, ChFC, MSFS President READ MORE

Medical History Questionnaire

Posted by DI and CI Team on Jul 15, 2015 in okforhome
To gauge your client's insurability, have them fill this out as completely as possible. We will use this form to find the best product for your client. You can use the Word document to fill out and email back to us, print the PDF for the client to fill out (then fax it to us) OR use the form below and...

Indexed Annuities 101

Posted by Annuity Team on Jul 10, 2015 in okforhome
An indexed annuity is a fixed annuity, but with a feature that gives it the potential for greater returns while providing a guarantee of a client's premium. That feature is a link to a market indicator or index.  Through the use of an Income Rider and index annuity can also provide predictable guaranteed...

Other Annuity Sales Ideas

Posted by Annuity Team on Jul 10, 2015 in okforhome
These brochures will provide you with information regarding different types of annuities which are outside the normal fixed traditional annuity world. An Alternative to CDs - A simple strategy for today’s low interest rate environment. Inherited IRAs - Advice for beneficiaries of a Traditional...

LifeTrends

Posted by Life Team on Jul 7, 2015 in okforhome
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...

Win The Big Case

Posted by Life Team on May 11, 2015 in okforhome
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...

Target’s Underwriting Advantages

Posted by Life Team on Apr 30, 2015 in okforhome
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...

Errors and Omissions

Posted by apisadmin on Apr 30, 2015 in okforhome
Most companies require an agent to have Errors and Omissions Insurance before they will contract you.  If you would like to get a quote for this coverage, please clink on the link below. In case the agent misspeaks or makes a mistake, this protects you from litigation. • Get a Quote

Anti-Money Laundering Certification

Posted by Life Team on Apr 30, 2015 in okforhome
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,...

Working with Clients with Medical Issues

Posted by Life Team on Apr 30, 2015 in okforhome
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 okforhome
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...

Annuity Training

Posted by Annuity Team on Apr 20, 2015 in okforhome
Prior to an application all companies require the completion of specific product training. This article details NAIC and carrier mandated CE and product training requirements. Annuity Training Requirements Prior to submitting an application all companies require the completion of CE and specific product training....

Deferred, Delayed, & Longevity Annuities

Posted by Annuity Team on Apr 17, 2015 in okforhome
Help your clients protect their future income needs by setting aside a premium to receive a fixed predictable guaranteed amount in the future. What is a Deferred (Delayed, Longevity) Income Annuity? • View Brochure Deferred Income Annuity Fact Sheet • View Sales Idea Charting a Path to...

Index Annuity Income Riders

Posted by Annuity Team on Apr 17, 2015 in okforhome
Help your clients address accumulation needs along with concerns of outliving their income by using the following products/riders. Annuity and Benefit Rider Brochure - Increasing income option AG Lifetime Income Plus - Wait 10 yrs double your income Lifetime Income Riders - Fixed income base...

Medicaid Compliant Annuities

Posted by Annuity Team on Apr 17, 2015 in okforhome
There are very few annuities willing to accommodate the Medicaid rules. Talk to us about your options. American General Compliance Update - October 2009 Example of a company saying they will not accept Medicaid annuities. • View Article Genworth Financial Bulletin - June 2012 Genworth accepts...

Medically Underwritten Annuities

Posted by Annuity Team on Apr 17, 2015 in okforhome
You may have clients that have been turned down for life insurance or long-term insurance because of a medical condition. If they have need for guaranteed income, age rating with single premium immediate annuities can help you. United of Omaha Flyer: How Does an Age Rated Immediate Annuity Work? •...

Using An Annuity to Fund LTC Insurance

Posted by Annuity Team on Apr 17, 2015 in okforhome
Discover a tax free way to pay for long term care insurance using non-qualified annuities. Use the "How To" guide to learn the basics of using the Pension Protection Act of 2006 to make this happen. Then use the __[quick explanation of other two pdfs]. Genworth Brochure: How To Guide - Exchanges...

What Are Indexed Annuities?

Posted by Annuity Team on Apr 17, 2015 in okforhome
An indexed annuity is a fixed annuity, but with a feature that gives it the potential for greater returns while providing a guarantee of a persons premium. That feature is a link to a market indicator or index.  Through the use of an Income Rider an index annuity can also provide predictable guaranteed...

What are Qualified Annuities?

Posted by Annuity Team on Apr 17, 2015 in okforhome
Use the links below to refresh your understanding of qualified annuities and how they work: Voya/ING Brochure: 72T Information • View Brochure Flyer: What is an RMD and How Do RMD’s Work? • View Flyer Flyer: Traditional Annuities vs Roth • View Flyer Flyer: What is a 401k? •...

Annuities 101

Posted by Annuity Team on Apr 14, 2015 in okforhome
An annuity is a contact between a person and an insurance company. The client gives the company a sum of money, and in return is promised a monthly payout, generally for the rest of their life. There are many cases where annuities make sense for retirees or folks planning to retire soon. Other Resources Use...

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