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The Latest Market & Sales Analysis for Insurance Agents

For Those Who Excel

Our experts provide regular analysis of the trends in the insurance industry. Grow your business and get ahead of the curve by following hot leads and marketing practices. With monthly updates on how the market is moving, the latest resources for independent agents, and proven sales strategies for the field, you’ll find plenty of ways to increase your commission.

November 17th, 2020

Many agents believe Disability Insurance (DI) is only for “white collar” workers who make six figures or more but that is simply not the case. In fact, it could be argued the need for DI is higher among “blue-collar” workers. So, that leads to the real question, what is the ideal market? Unfortunately, there is no set-in-stone formula to find the perfect DI prospect, each case is different, however, I use what I call the “50/50 Rule” as a good starting point…

November 17th, 2020

We’re already halfway through Long-Term Care Awareness Month, but did you realize that November is also Home Care & Hospice Month? If you’ve been on one of my recent webinars or attended one of my seminars in the past, then you might recall me discussing the, “Who, What, Where, & When of Long-Term Care”. As an agent, it’s important to realize that there are a lot more of those “Who” need to plan for an LTC event than many would expect. It’s currently estimated that 52% of Americans turning 65 today will develop a disability serious enough to require long-term care support and services. With such a high probability it is a vital part of planning for you to be doing with your clients.  It should be routine…

November 17th, 2020

We are officially halfway through another Annual Enrollment Period season! So far, we at Producers XL feel this AEP has gone well and hope it continues through the end of the season. I hope all of you are having success, even with the challenges faced with COVID-19. That being said, I would like to highlight several points of interest while we are at this halfway point in AEP.

November 17th, 2020

So, chances are you’re prepping for that final meeting of the year with your Medicare clients to discuss changes in the different plans and future concerns. This also means it is your last opportunity before the close of Annual Enrollment to review coverages in all matters of healthcare cost planning and ensure your clients are prepared for next year. With that in mind, I feel it’s important to remind all agents of the numerous tools and resources Producers XL provides in prepping for those conversations. Here is a list of resource and key topics to cover in your reviews:

November 17th, 2020

I recently read an article from Think Advisor that was not so much interesting as it was predictable.  It essentially talked about the number of life insurance application submissions; up for younger individuals and down for older individuals.  If you’ve read my articles over the last 6 months, you’d conclude the article makes perfect sense.  Life insurance underwriting since the onset of the COVID-19 pandemic has become more restrictive on the older population, obviously because of the more serious potential effects COVID-19 has on that age group.  Even though it makes sense, agents don’t like it!

November 17th, 2020

Well, Election Day is over, finally! And even though all the ballets are still to be counted, a victor has been announced. Americans can move on with their day-to-day lives. Well, as much as we can considering were in a pandemic. Americans continue to face uncertainty in every aspect of life: economically, financially, socially with most of this stemming from COVID-19. With this uncertainty, comes instability and we see this reflected in rates.

News continues to roll in about ‘low rates’ and ‘volatile markets’ and so it’s important to keep an eye on rate changes and deadlines. One result we can always count on with changing rates is it affects everything, not just annuities but bank CDs, Money Market…

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