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Back to School
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Sales Kit - August 2023
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Would you have guessed that the average cost of a year of college in the U.S dropped between 2022 and 2023? There's a good news/bad news situation here: although the national average went from $35,720 to $35,551 (a drop of about $170), the overall trend is still up, up, up. In the past 23 years, costs have gone up an average of 7.1% per year. So if you have clients with little kids, this is worth bringing up as a conversation starter. Permanent life insurance provides death benefit protection, first and foremost, but the cash value can also help offset some of those college costs, if needed.
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Recent Posts
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How to talk about them with clients
In this issue, Van Mueller explains how to talk about the four biggest economic issues Americans feel they'll face in the future: taxes, outliving their money, loss of benefits, and volatility. He also shares the three additional challenges he feels are even bigger problems.
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Financial Independence
America's independence is something we celebrate on the Fourth of July - but what would it take for your clients to achieve financial independence during retirement? What financial tools can we help them use to get there sooner? Permanent life insurance is one of the best tools we have to create death benefit protection plus supplemental retirement income plus early access to the death benefit in case of a terminal illness, chronic illness, or long-term care situation. Here's how to get that conversation started.
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Are you talking to clients about these topics?
In this issue, Van Mueller looks at the top financial challenges your clients will face in the future – if they're not facing them already. The twist? The issue that many believe will be the most serious isn't the one he puts at the top of the list. Make your predictions, then see how your instincts stack up against this list.
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How – and why – to improve them before sending
Many of you are probably using AI to help write marketing emails to clients. And that's not a bad thing – unless you're sending those emails without making a few key changes. Here are a few questions to ask to ensure your AI content puts your clients' needs first, with a before and after example.
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Business Planning
Business planning is a hot topic again, thanks to season 4 of HBO's Succession. Your clients and prospects might not be media moguls, but every business owner has to deal with the same problems: how are they going to exit the business? What should they be doing in the meantime to make sure it survives until they retire or pass away? That's where you come in. Use the strategies in this month's kit to start a conversation about how they could be retaining and rewarding their superstar employees, protecting against loss, and preparing for their own eventual exit.
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Epilepsy/Seizures
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Epilepsy, or seizure disorder, is a neurological condition that comes from abnormal electrical activity in the brain. The goal of epilepsy treatment is to eliminate or reduce seizure activity with minimal side effects. While most will achieve adequate seizure control with medicines, up to one-third will not.
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Ask the Underwriter
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Need More Time to Sell?
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We can help.
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Take advantage of all the ways Pinney Insurance can help you place cases and spend more time prospecting and selling.
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