Granum
Number of weekly points to strive for
30
1-Existing Debt
2-Children's Education
3-Supplemental Income (Income replacement)
The length of time between when an injury or illness begins, and receiving benefit payments (DI)
Elimination Period
Three major types of life insurance contracts
Term, Whole (permanent), Universal
Earliest age to claim social security retirement benefit
62
Number of first year Fact-finders required to build the business effectively
300
BONUS: Conduct your approach language on James Verzino. If he approves you get 200. If not you lose 100.
BONUS: Conduct your approach language on James Verzino. If he approves you get 200. If not you lose 100.
The percentage of discount that policy owners enjoy when both spouses purchase LTC from NM
%20
The policy rider that covers premium payments in event of disability
Waiver of Premium
The age at which employees are eligible to make catch up contributions to retirement plans
50
Number of appointments kept for an exceptional week
20
The last part of FF; used to reiterate the conversation
Discovery Agreement
This rider provides inflation protection during the course of disability (DI)
Indexed Income Benefit (IIB)
The latest age that a T-80 policy can be converted to a permanent life insurance policy
60
BONUS: Conduct your prospecting language on Chris. If he approves you get 300 points otherwise you lose 100.
BONUS: Conduct your prospecting language on Chris. If he approves you get 300 points. Otherwise you lose 100.
The length of time a new referral needs to be contacted
30 days (1 Month)
The six steps of prospecting (In Order)
1-Affirmative 2-Feed Names/ Categories 3-Qualify 4-Ask who else 5-Pinpoint 6-Double-step Ahead
The definition of disability that allows policy owners to claim benefits regardless of amount of income from alternative occupations
True Own Occupation
Length of time required to be eligible for a tobacco reconsideration
36 months /3 Years
The qualified retirement account without RMDs
Roth IRA
The magnificent obsession
1000 pocket books (household)
Clients would not be an accurate Granum answer
The three steps of promotion
(as it relates to prospecting)
1-Describe how you introduce yourself
2-Ask for the introduction
3-Stress your nominator's importance
With this benefit, a special Benefit Account Value will be determined if the premiums stop being paid on or after the third anniversary (LTC)
Paid-Up Non-Forfeiture Benefit
Minimum first year premium required for a Northwestern Mutual CUL contract
$15,000
The qualified retirement plan that does not have any penalties for withdrawals before the age of 59 1/2
457 (b)