The premier brokerage general agency designed to help you provide your clients with the Excellence, Expertise, and Professionalism they deserve.
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.
Drop Ticket
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.
Sales Concepts
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.
Testimonials
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
– Aaron Putman
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.
– Lincoln Soule
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!!
– Rob Harris
RMIN Blog
Have your cake and eat it too!
The current Guaranteed UL market is tumultuous to say the least right now. Everyone in our industry speaks to the “continued historic low interest rate environment”, and of course, they’re right. However, the fact remains that there are still options out there for low cost guarantees on permanent insurance to solve current (and likely even greater, future) estate planning problems. Indexed UL doesn’t have the same requirements as their GUL counterparts, and thus our carrier friends can offer lower premiums for equal death benefits.
Immediately though you think “but my client needs the guarantee in death benefit afforded by a GUL!” I’m amazed at the number of conversations I have with advisors that are unaware that IUL’s, specifically protection style IUL’s, offer guarantees to age 90, 95, 100 or beyond! Not only can we offer a death benefit guarantee to age 95, but we also have the advantage of indexing that can provide substantial cash value when designed correctly, often requiring less premium than its GUL cousin. The best of both worlds! The GUL, which still has its place in the planning world, continues to struggle. And yes… this is due to the longevity of the low interest rate environment that we currently experience.
There will always be a place and a need for guaranteed death benefit policies. As carriers providing traditional GUL policies continue to increase rates due to the hardship of the unforeseen, prolonged suffering of their general accounts because of the historic low interest rate environment, there do remain a few that stand out amongst the rest. There are still products to be found that are positioned to take advantage of this need and continue to rise to the top, even in an uncertain world.
Whether your client is looking for a single pay, short pay or 1035 scenarios, one carrier comes to mind immediately. Protective’s Lifetime Assurance UL and Advantage Choice UL are uniquely positioned in the GUL/GIUL space still to help these clients! And remember, IUL with no-lapse guarantees, offer both the protection of a GUL as well as the potential cash accumulation of an IUL with higher target premiums! Have your cake and eat it too!!!
Let’s take a look at some Protective examples.
Level Pay Design
Male Age 55 Standard Non-Tobacco, $500k DB, Guaranteed thru Age 100
1035 Exchange Design
Female Age 65 Standard Non-Tobacco, $1M DB, $200k 1035 Exchange, Guaranteed thru A105
Short Pay Design
Female Age 45 Select Preferred Non-Tobacco, $1M DB, Pay to Age 65, Guarantee thru Age 90
