Conversation Starters, Sales Ideas and Marketing Strategies for 2021

Conversation Starters, Sales Ideas and Marketing Strategies for 2021
Here are some of Windsor's best conversation starters, marketing strategies and sales ideas that you can use right now and well into 2021! As advisors to our clients, we can start a conversation with 60-page product illustrations or we can focus on something simpler and closer to home:  Caring for our families by leveraging low interest rates, securing fully guaranteed life insurance benefits, supplementing retirement income, protecting valuable assets, saving money on taxes, and finding easier ways for clients to get the insurance they want and need.  Even in these difficult times, ...
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New and Enhanced Underwriting Tools Impacting Your Cases Today

New and Enhanced Underwriting Tools Impacting Your Cases Today
Several underwriting tools have been adopted by carriers to issue coverage faster, in many cases without the need for insurance exams or requirements such as a traditional APS.  Some of these tools are new, while others have been in use previously, but have recently been enhanced to streamline the underwriting process. These tools often impact cases that run through an accelerated or streamlined underwriting process (for purposes of this blog, we will refer to such processes as "expedited underwriting"), and may also impact cases that follow a more traditional underwriting path. Informati...
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Underwriting - Adapting to a pandemic world and insights for the road ahead.

Underwriting - Adapting to a pandemic world and insights for the road ahead.
- A Virtual Panel Discussion Featuring Experts in the Field of Life Reinsurance - DuWayne Kilbo, Moderator I'm extremely delighted to have available three distinguished speakers from the life reinsurance side of our business for Windsor's first Virtual Panel Discussion! With so much going on today as it pertains to COVID-19 and the evolution of the life insurance industry, this is an opportunity to hear from well-known and highly regarded reinsurance industry executives for their input and thoughts on various topics where they provide support and guidance to the industry.  Also, we will h...
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Clients, Prospects and Centers of Influence Conversation Ideas

Clients, Prospects and Centers of Influence Conversation Ideas
​As advisors to your clients, you can start a conversation with 60-page product illustrations, or you can change the conversation to something simpler and closer to home:  Historically low interest rates.  Guaranteed life insurance benefits.  Cash on hand for unexpected circumstances.  Protection for valuable assets.  And easier ways for clients to get the insurance they want and need.  Even in these difficult times, we can do our best to stay calm and communicate clearly.  Here are some ideas from Windsor on how we can begin a conversation about what's impor...
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COVID-19! What Have You Done to Underwriting!?!?

COVID-19!  What Have You Done to Underwriting!?!?
COVID-19, in addition to being a terrible pandemic, has brought a halt to business as usual for most every industry imaginable.  And life underwriting has not been granted an exception.  Among other things, we have seen additional scrutiny placed on certain medical impairments, maximum age and rating limitations imposed, and a reduction in internal retention at some carriers. However, we are also seeing changes—positive changes—occur in underwriting.  Underwriting progress has been made using data sources to forgo exams and to get coverage approved quickly and non-invasively—whi...
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Turnkey Digital Communications & Marketing Tools for Today's Socially Distant Marketplace

Windsor, Life Happens and AIG Get Together for a Webinar You Don't Want to Miss!  On Demand Now!In today's social-distancing reality, staying connected and maintaining your trusted relationship with clients and centers of influence is more important than ever. But where can you find relevant content that is easy to use?  Windsor invites you to learn about the resources, marketing tools and competitive advantages offered by Life Happens and AIG that are literally at your fingertips, along with social media best practices that you can implement today!  

A New Landscape: Death Benefit Focused Products After the 2019 CSO and PBR Changes

A New Landscape:  Death Benefit Focused Products After the 2019 CSO and PBR Changes
  Driven by new CSO tables and Principle Based Reserving (PBR), year-end 2019 ushered in a host of life insurance product changes. These changes impacted both a substantial number and a broad diversity of life insurance products and pricing — especially death benefit-oriented "permanent" plans of coverage, a market where many of us spend considerable time promoting and selling.  To assess what happened, we completed a survey of this market based upon the carriers Windsor represents.  While many of our observations were similar for single and joint life products, there were notab...
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New York's Rule 187 - What Happens in New York Never Stays in New York

New York's Rule 187 - What Happens in New York Never Stays in New York
No matter where you live, no matter where you do business, if you actively participate in the recommendation or sale of a life insurance or annuity product to a client in New York, Rule 187 directly applies to you.  And if it doesn't apply to you today, probably all you have to do is wait. Because, when it comes to insurance regulation, what happens in New York never stays in New York.  Although Rule 187, the new Suitability and Best Interests in Life Insurance and Annuity Transactions rule, exclusively applies to insurance and annuity sales in New York, we have seen regulations like...
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More Than a Game

More Than a Game
In November of 1960 the season was more than half over when the 6-1 Philadelphia Eagles met the 5-1-1 New York Giants with first place on the line in the NFL's Eastern Division. The Giants jumped out to a 10-0 first half lead, but the Eagles fought back to take a 17-10 advantage late in the fourth quarter. The Giants were driving toward a tying score when Frank Gifford, their All-Pro halfback, ran a quick slant pattern across the middle. He caught the ball, but was knocked off his feet by Chuck Bednarik, a 6-foot-3, 235-pound outside linebacker, coming from the opposite direction. The 6-foot-1...
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FASB Update 2018-12 and The Future of Life Insurance - A Conversation With Colin Devine

FASB Update 2018-12 and The Future of Life Insurance - A Conversation With Colin Devine
We're pleased to have Colin Devine, of C. Devine and Associates, join us today for a very timely and important Windsor blog about a topic that could have a significant impact upon the type and price of the products you'll be selling in the not too distant future. Colin, in August, 2018, the Financial Accounting Standards Board issued Accounting Update 2018-12 (ASU 2018-12), an update that affects all insurance entities that issue long-duration contracts – including life insurance and annuities. Earlier this year, C. Devine and Associates published an exhaustive industry peer review on the impl...
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