A New Program Offers Life Insurance for Declined Cases. It always seems to happen. You have a client—probably one of your best clients — who desperately needs to buy life insurance to cover a loan or a business buy-sell and is willing to pay the price for whatever they can get. You've sealed the deal — but because of health problems or other issues you are unable to deliver an offer from any carrier—at any price. It's a conundrum for the ages, but now there is a solution. Windsor recently developed a relationship with a creative A.M. Best "A" rated domestic carrier to tackle this very pr...
Jumbo cases can be challenging. Defined by many carriers as total line of coverage applied for including coverage in force exceeding $65 million, this is especially true for super jumbo applications that involve total lines in excess of $100 million, and where health conditions or applicant age become factors. Every application is unique and individual case facts make the task of putting jumbo and super jumbo cases together anywhere from reasonably challenging to downright impossible. However, with premiums from five figures to several million, we need to approach these situations with working...
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22 March 2022
You've met with your clients and their financial advisors on a few occasions and discussed the clients' financial planning and insurance objectives. Things are going well. The insurance plan and product you are proposing meet the clients' needs...
15 February 2022
If we had a nickel for every time a carrier suggested we spend more time showing life insurance as a supplemental retirement income strategy, we would have a ton of nickels. After all, Windsor was started by Jerry Schwartz and Hal Brooks...
01 December 2021
Ready for some fast and furious sales ideas that can help you get a head start on 2022? Here are some of the best from Windsor and our carriers including: The retired wealthy client who has no cash The couple on the edge of t...
Latest Articles
29 April 2024
The 2024 Pacific Life Underwriting Symposium took place recently with an excellent slate of discussion topics and life insurance industry representation. Most platform discussions were in a panel format with Pacific Life, Distribution, Reinsura...
07 February 2024
Underwriting in the large case life insurance market has always had its challenges. Client and advisor expectations are high, and the demands for convenience, ease and speed are often at odds with the circumspect and proven procedures that carr...
13 November 2023
The popularity of Index Universal Life products has stirred up the creative talents of many professional financial advisors, and nowhere has that creativity been more apparent than in the area of policy loan rescues. This presents a significant...
16 October 2023
Artificial Intelligence (AI) is top of mind today in the business community and elsewhere, and if estimations are correct will continue to be so in the future. It has been described in terms such as "transformative" and "next level," and promises to ...
24 July 2023
DuWayne Kilbo, MBA, FLMI, Senior Vice President and Chief Underwriter, Windsor Insurance Associates, Inc. Cindy Davis, FALU, FLMI, ACS, Vice President, Senior Underwriting Consultant, Underwriting/International NFP High net worth individuals an...