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    • Home
    • Onboarding with us
    • Carriers set up
    • Comps & Promotions
    • Lead Sources & Bonuses
    • Social Media Posts
    • It Starts on the phone
    • Scripts & Objections
    • Leadership Guide
    • Training Videos
    • Team Cintron Calls
    • Attachments you will need
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    • Annuity Training
    • Advanced Market Training
      • IUL Training
    • AIG aka Corebridge
    • American Amicable AM AM
    • Americo
    • Assurity
    • Baltimore Life
    • CICA
    • Columbus Life
    • Combined Whole Life
    • Foresters
    • Gerber
    • GTL Turbo Term
    • Instabrain
    • Kansas City Life
    • Ladders
    • Lafayette Life
    • Liberty Bankers
    • Manhattan Life
    • Mutual Of Omaha
    • Mutual Trust
    • National Life Group
    • North American
    • Pekin
    • Protective
    • Prudential
    • Royal Neighbors
    • Silac
    • Transamerica
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  • Home
  • Onboarding with us
  • Carriers set up
  • Comps & Promotions
  • Lead Sources & Bonuses
  • Social Media Posts
  • It Starts on the phone
  • Scripts & Objections
  • Leadership Guide
  • Training Videos
  • Team Cintron Calls
  • Attachments you will need
  • Cheat Sheets
  • Mortgage Protection
  • Annuity Training
  • Advanced Market Training
    • IUL Training
  • AIG aka Corebridge
  • American Amicable AM AM
  • Americo
  • Assurity
  • Baltimore Life
  • CICA
  • Columbus Life
  • Combined Whole Life
  • Foresters
  • Gerber
  • GTL Turbo Term
  • Instabrain
  • Kansas City Life
  • Ladders
  • Lafayette Life
  • Liberty Bankers
  • Manhattan Life
  • Mutual Of Omaha
  • Mutual Trust
  • National Life Group
  • North American
  • Pekin
  • Protective
  • Prudential
  • Royal Neighbors
  • Silac
  • Transamerica
  • Medicare & Add On Plans

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Pekin

Matt Murphy

Therese

Portal access code

Portal access code

Rely onyour team especially Tarrah

Quick tips

Diabetes=  Insulin is OK and this is one of their sweet spots. Prefer A1C under 7 and always quote at min a Table 2 . Will  most likely pull medical records though so let your client know.


Anxiety/ Depression also OK with they ask that on the application put NOTES to what medication they are actually using as most will pull up several on MIB if they had to find one that worked for them. Note is it just as needed or daily? Is it to help sleep or needed daily? 


Marijuana= OK with and considered non - smoker 


Disability = Starts at Table 2 but this is for disability that has NO mobility issues. If they are in wheel chair or unable to perform all daily living functions they are a decline like all others.  Now say they hurt their back at young age and are on some disability but completely functional and able to work, then start quote at Table 2 .


Children Rider= Can get from age 15 to age 21. Then at age 25 they can convert to their own plan and get up to 5x the original amount of coverage they had. 


Need a risk assessment? Email Tarrah in underwriting

Her email didn't show up very good on her card so here it is Tcalloway@pekininsurance.com

Training Video

Check out this great video

Slides you will want to pay attention to

Age Guides and Limits

Products they offer

States They Cover. If it's not solid green line don't pitch this product. 

Underwriting

Nicotine and Marijuana use

Knockouts don't even apply 

Tiers conditions for Preferred and Super preferred.  If they do not fit in this bucket you should be running them standard rate. Remember Diabetics and those who may qualify for disability will always start at Table 2 Rating not standard.  

Underwriting

Requirements and thresholds

Occupational Knockouts don't even apply 

Tiers conditions for Preferred and Super preferred.  If they do not fit in this bucket you should be running them standard rate. Remember Diabetics and those who may qualify for disability will always start at Table 2 Rating not standard.  So even if they fit in the build they do not qualify at these tiers.

Underwriting Preferred Or Super Preffered

more preferred rating 

more accepted 

more preferred ratings

Quoting and Aplying

How the term works with the fully paid up whole life

Example 1 with fully paid up whole life 

Application options and where you put the term and the fully paid up whole life option

Quote will pull up multiple options for you on one quote so if they ask questions you have the other options as well ready to go quickly 

Quoting and ApPlying

Client can choose at end of their term to also take a fully paid up whole life. They can actually take this option at any time to surrender and take the cash value or take the paid up option

How they compare to other carriers 

Tiers

LTC rider YOU MUST do the training for this product

Contest

Fast start to earn extra 5% in commissions if you sell 10k and 3 apps in the Transitional Term plan. You can earn extra 5% between April 1st and April 30th

6 month trip contest. April 1st - Sept 30th

Sell 40k placed business win $1200 in travel credit to fly or drive and have an all expense paid trip for 2 to Hilton Head 

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