Welcome Insurance Professionals

Many insurance professionals sell insurance not as a stand alone product but as a retirement planning tool.  In the world of insurance, there are so many products to choose from that the process of integrating insurance products into one's total financial portfolio has never been a more complicated and confusing issue than it is today. 

Many insurance products have now integrated the option of allowing a consumer to select mutual funds and other investment options from their "cash value" within certain types of insurance.  Thus, there is a strong need for professional guidance in structuring the proper insurance mix into one's portfolio.

When the advice is good and clients benefit from a professional's advice, a commission is earned.  The value we bring to our clients as mortgage planners, insurance professionals equally bring to their clients.

With a tool called "equity repositioning" a client may be able to eliminate all or most of their consumer debt through a debt consolidation refinance of their home or other real estate.  In most cases this will free up monthly cash flow of from $500 to $1,500 or more.  Here are ways that this strategy can enhance your business:

1. Clients that need to restructure their debt to allow monthly contributions into an insurance product.  

2.  In the event that a person may think of canceling an existing policy due to "tough times", or they are going through a "financially LEAN cycle", the client may consider an equity repositioning strategy to allow the insurance to remain a very important part of their portfolio.  To view a letter our PChecked Professionals™ Insurance Specialists can use with their clients to give options other than canceling their policy, click here (requires Adobe Reader). 

3.  An Insurance Professional/Financial Planner may want to semi-annually send out a joint marketing piece promoting a "debt evaluation check up."

4.  Insurance and Financial Planning Professionals need to balance their clients' retirement planning potential with available cash flow.  Click the link below to view the Equity Repositioning Report, and see how it can benefit you by improving your clients' monthly cash flow (thereby decreasing their need to cancel/liquidate their investment, and giving them more discretionary income to invest into retirement accounts).  To see a sample report:

Click Here for PDF Version

Click Here for HTML Version with report details

In addition, Insurance Professionals grow their business & income by maintaining their current client database, even if those clients move on to different products.  For example, clients that are currently renting will be buying sometime in the near future, moving from renter's insurance to homeowner's insurance.  Many of our PChecked Professionals™ Insurance Specialists maintain their relationships by mailing a quarterly marketing piece, referring those interested in purchasing a home to us.  We will, of course, then refer the clients back to that PChecked Professional™ for insurance services.

We have developed long term relationships with Insurance Professionals, who have realized the true value of this service to their clients & themselves, and have referred their clients to us.  In return, we now ask our clients at closing if they are currently working with an Insurance Professional; if not, and they're in need of Insurance services, we will refer them to our PChecked Professionals™, thereby returning the referral favor.  To view the special form we created for this purpose, which accompanies each and every loan application we take, click here (requires Adobe Reader).

Using this form provides us with the information that can help grow your business. 

In addition to the services we provide to our PChecked Professionals™, we also help them maintain their past client loyalty through our Client Retention Program, therefore increasing their monthly business & monthly income.  To see how we help our PChecked Professionals™ businesses grow through this program, click here.