Agent Term Store
Our new process is as easy as ever. Get your term quotes from a broad array of top, competitive term carriers and submit a “Simple App” for your client. No more applications to complete! We will contact your client to complete the full application and schedule their exam. And, we’ll keep you updated throughout the entire process.
Our Drop Ticket allows you to submit your permanent life insurance applications on a short form for all your clients who are applying for permanent insurance.
We offer full support for a variety of Sales Concepts including Policy Review, Maximization Strategies, Life Insurance as an Accumulation Vehicle, Estate Tax Planning and more.
Policy Review Program
Our Policy Review process is the easiest one available for both you and your clients. We’ll help you generate new sales! Our program reviews your client’s life insurance at no cost or obligation. And it’s a WIN/WIN end result for YOU! With the hundreds of cases we have reviewed, over 50% of them resulted in a recommendation that improved the client’s life insurance portfolio.
The Team at RMIN makes my life easy! They have always been responsive and detail oriented to my requests. I can’t think of an organization that does what they do better!Mitch MichenerOne stop HELP – best back office around!Tom Stich
Rocky Mountain Insurance Network is a network of caring professionals that has enhanced my ability to do what I do. Their team works well and promptly getting me the quotes I need, following up on the details, notifying me of any issues with my business, and getting business issued and paid quickly. They are also on top of the changes in the market-place and provide me with sales ideas and product uses on a regular basis. I am very glad to have met this team and have enjoyed working with them for over 20 years.
I’ve been happily working with Rocky Mountain Insurance Network for a handful of years now. Being able to plug into their professional experience in the insurance world has been invaluable for me to be able to focus more of my time and attention on my clients’ needs, further skill development in the investment world and proactive marketing efforts for my company. Every person I’ve had the pleasure of working with at RMIN has been friendly and helpful. Most importantly, my clients have been very happy with the insurance solutions we are able to bring to them. Thanks RMIN!!
May is National Disability Insurance Awareness Month, DIAM. It, coincidentally, is also ALS Awareness Month, Correct Your Posture Month, National Stroke Awareness Month, National Motorcycle Awareness Month, National Brain Cancer and Brain Tumor Awareness Month, National Moving Month and Older Americans Month.
If you ask me, we get a little carried away with all the National Awareness’s, but having no control over it, I suppose we ought to embrace it. The mentioning of all the latter awareness’s above is they all may cause one to become disabled. So, while risking continued awareness fatigue, perhaps it is prudent to celebrate May as National Recommitment Month, and take another look at Disability Insurance.
We’ve all heard the old sales tactic of “if you had a machine that printed money, wouldn’t you want to insure it?” The idea being that our incomes are our biggest assets needing protection and if we were suddenly to become disabled, breaking the machine, it would have behooved us to have protected it with insurance. We also know that we are far more likely to become disabled then we are to die. The reality is, it’s very difficult to get people to listen. If a dentist or surgeon develops carpel tunnel syndrome and they are no longer able to perform their duties, how’s that practice going to survive?
Let’s talk about something a little different today though, still related to DI. Let’s talk about a disability buyout in coordination with a “deathtime” buy-sell agreement. Many business owners have been approached on the importance of funding their buy-sell agreement with life insurance, but far fewer have been approached about funding a disability buyout. What if we could take care of both with one policy? By utilizing a cash value life insurance policy, like an Index Universal Life, with a guaranteed death benefit out to age 95 or 100, we can accomplish this.
A properly designed IUL will accumulate cash value over time and provide a death benefit that can be used to fund the death time buy-sell agreement. Many IUL’s now have the ability to dial in a guarantee on the death benefit anywhere up to age 100! In the event that that business owner becomes disabled (far more likely than dying prematurely remember), the cash value in the policy can be used to either partially, or fully fund a disability buy-out of that business partner. Add a waiver of premium rider to the policy will allow the business to free up some additional cash that can be used to complete the buyout. As long as the policy doesn’t lapse, the death benefit after the partner dies, can also be used to complete the buyout if it hasn’t done so already.
Choosing the right carrier and the right policy is the key to a successful buy-sell or buyout funding plan. At Rocky Mountain Insurance Network, we are here to help with just that type of case design.
Explore the benefits of Vitality GO and Vitality PLUS – each designed to support a healthy and financially fit life.
Your clients can earn rewards for taking positive steps in a healthy direction, plus save money on their life insurance coverage.
There are 2 Programs to choose from:
Call us for Details!
Not all potential clients want to go through the hassle of the medical underwriting process for their life insurance policy.
Imagine your client getting valuable life insurance protection, with all of the benefits provided in a cash accumulation IUL, issued in as little as 5 business days with no labs, exams, or APS!
When clients – even agents and financial professionals – see or think about a “guaranteed multiplier” in regards to Indexed Universal Life (IUL), many believe this feature is guaranteeing a positive index credit.
Unfortunately, that is not the case. And this all-too-common misconception could cost your clients heartache and money in the long term.
So what does it mean and what should you do?
Before your next appointment, download the whitepaper “Understanding bonuses and multipliers” so you can be the one to help your clients navigate this tricky terminology and allow them to make more informed decisions!