Hello Agents!!
Unfortunately the Charity Funded Final Expense program is on hold for now, the charity cannot support additional agents at this time.
I'm leaving the content on the website for now, and here is the link if you are looking for Final Expense Leads.
What is the #1 objection you hear when selling Final Expense Policies?
That they can't afford it.
Imagine getting paid a commission for helping seniors age 70-85 years old receive the benefits of a Final Expense Policy without them having to pay the premiums from their existing household budget and you have nearly zero risk getting a chargeback!
You get to inform them that there is a non-profit organization that will provide your clients and prospects with 100% of their premium payments for them.
Who is 70-85 years old that you can help?
Do you think you would get calls if you left THIS on their door? >>>
Just let us know and we'll send you a digital copy ready for the printer that has your name and number to call.
What are the benefits for you, the agent?
Unfortunately the Charity Funded Final Expense program is on hold for now, the charity cannot support additional agents at this time.
I'm leaving the content on the website for now, and here is the link if you are looking for Final Expense Leads.
What is the #1 objection you hear when selling Final Expense Policies?
That they can't afford it.
Imagine getting paid a commission for helping seniors age 70-85 years old receive the benefits of a Final Expense Policy without them having to pay the premiums from their existing household budget and you have nearly zero risk getting a chargeback!
You get to inform them that there is a non-profit organization that will provide your clients and prospects with 100% of their premium payments for them.
Who is 70-85 years old that you can help?
- Your past clients between the age of 70-85, they can get additional protection.
- Your past prospects who couldn't afford coverage.
- Your past clients who had to drop their coverage, even if it resulted in a chargeback for you.
- Seniors who are struggling to afford their current policies.
- Your future prospects.
Do you think you would get calls if you left THIS on their door? >>>
Just let us know and we'll send you a digital copy ready for the printer that has your name and number to call.
What are the benefits for you, the agent?
- Nearly zero risk of chargebacks - The non-profit is covering 100% of the premium payments, and there has never been a chargeback.
- Generous commissions - You are paid commissions on every policy that you write, commissions are annualized and relative to the monthly premium.
- You get to help seniors who otherwise would not be able to afford to get coverage.
- You can help seniors who are financially struggling to afford their current coverage.
- An opportunity for a generous residual income through recruiting other agents.
- Multiple lines of products are available to earn commissions on, depending on their financial situation. For some clients, that might be a Medicare Advantage plan and a charity funded burial policy. For others it might be annuities or even investing in gold and/or silver.
What are the underwriting knockout questions?
Beyond that, there is a checklist of health questions for you to go over with them, that when combined with their age will determine the size of the policy they qualify for, with a face amount from $10,000 to $40,000, half of which their beneficiary will receive, half of which goes to the non profit.
If they pass the knockout questions, 97% will qualify for financial assistance to cover 100% of the premiums for their policy.
- They can't be in a nursing home.
- They can't be on oxygen.
- They can't be diagnosed with AIDS.
- They can't have been diagnosed by a doctor to have 12 months or less to live.
Beyond that, there is a checklist of health questions for you to go over with them, that when combined with their age will determine the size of the policy they qualify for, with a face amount from $10,000 to $40,000, half of which their beneficiary will receive, half of which goes to the non profit.
If they pass the knockout questions, 97% will qualify for financial assistance to cover 100% of the premiums for their policy.
This all sounds great, but what's the catch?
Can I recruit other agents for this program and get overrides on their sales?
Yes.
- This is only for face to face agents, you cannot provide this service over the phone or with a Zoom call.
- You must be licensed to sell life insurance in one of the twenty states that the program is in.
- You cannot be a captive agent.
- While the program is adding states in the future, it is currently only available in twenty states. Unless you are able to see people face to face in the following states, you cannot personally participate until your state is added.
- You will need to join the IMO that is administering the program for at least some of their other programs which include:
- Medicare Advantage- Unleash your potential for success and prosperity by partnering with C & K Healthcare Advisors to sell Medicare Advantage plans, where unparalleled support, lucrative commissions, sales technology and a thriving network of satisfied clients enables you to build a strong income.
- Medicare Supplement- Fuel your passion for helping others by joining C & K Healthcare Advisors in selling Medigap plans, where unparalleled opportunities for personal growth, financial success, combine with making a positive impact on the lives of seniors.
- Life Insurance- Typically beating your current comp by almost 30%, you can step into the realm of financial empowerment and become a beacon of security and protection for families as you sell life insurance through C & K Healthcare Advisors, unlocking a world of unlimited earning potential, personal fulfillment, and the profound satisfaction of safeguarding futures with unwavering support and cutting-edge solutions while earning top level commissions.
- Annuity- Embrace the opportunity to shape retirees' futures and secure their financial freedom by selling annuities and retirement options through C & K Healthcare Advisors, where you'll unlock a world of endless possibilities, lucrative commissions, and the chance to make a profound impact on individuals' lives, all while enjoying unparalleled support and a network of success-driven professionals.
- Kai Zen for IUL- Join C & K Healthcare Advisors and tap into the extraordinary potential of selling IUL (Indexed Universal Life) policies, enhanced by the groundbreaking power of Kai Zen, enabling clients to achieve full funding in just 5 years through strategic bank leverage, offering agents an opportunity to revolutionize clients' financial journeys while enjoying unmatched support, exceptional commissions, and helping clients unlock a brighter, more secure future.
- Estate Planning- Embark on an extraordinary path of financial empowerment and legacy-building as you sell estate plans with trusts through C & K Healthcare Advisors, where you'll unlock a world of transformative opportunities, substantial commissions, and the exhilaration of helping individuals and families safeguard their wealth, protect their legacies, and leave an indelible mark on future generations, all while being supported by an exceptional network of experts and cutting-edge resources
- Our Full Business Owners Suite- Join the revolution in business empowerment as you sell our all-in
- clusive Business Owners Suite through C & K Healthcare Advisors, unlocking a world of thrilling possibilities, from maximizing tax savings with the Employee Retention Tax Credit (ERTC) to lowering tax liabilities, and offering an extraordinary health product that grants business owners an additional tax credit of $550 per employee, fueling their success, boosting profitability, and transforming their businesses into financial powerhouses with the unwavering support of our expert team
- Gold and Silver Market- Experience the thrill of financial empowerment by joining C & K Healthcare Advisors, where you'll gain the exceptional opportunity to assist clients seeking tangible asset protection through gold and silver investments, while earning top commissions on each transaction, unlocking a world of lucrative rewards, personal growth, and the satisfaction of helping clients safeguard their investments and secure their financial futures with the unwavering support of our industry-leading team
- Debt Free 4 Life- Embark on a life-changing journey of financial freedom and prosperity by selling the Debt Free 4 Life program through C & K Healthcare Advisors, where you'll unlock the power to liberate individuals and families from the shackles of debt, offering an exhilarating opportunity to transform lives, build lasting relationships, and enjoy substantial rewards, all while being supported by our unrivaled expertise, cutting-edge resources, and an unwavering commitment to helping clients achieve a debt-free future
- Humanitarian Program- Ignite your passion for making a difference and join C & K Healthcare Advisors, where you'll have the power to transform lives through our Humanitarian program with Our Circle of Life, providing clients who cannot afford final expense insurance with the coverage they deserve, ensuring they receive the dignity and peace of mind they've longed for, while enjoying a rewarding career that combines purpose, compassion, and unparalleled support from our dedicated team
Can I recruit other agents for this program and get overrides on their sales?
Yes.
The program is currently available in the following states:
ALABAMA, ARIZONA, CALIFORNIA. COLORADO, CONNECTICUT, FLORIDA, GEORGIA, HAWAII, ILLINOIS, LOUISIANA, NEVADA, MARYLAND, MINNISOTA, MISSOURI, OREGON, PENNSYLVANIA, SOUTH CAROLINA, TEXAS, VIRGINIA, WASHINGTON
Additional states may be added over time, and you do not need to be licensed in a state in order to receive overrides from agents you recruit that are in those states.
ALABAMA, ARIZONA, CALIFORNIA. COLORADO, CONNECTICUT, FLORIDA, GEORGIA, HAWAII, ILLINOIS, LOUISIANA, NEVADA, MARYLAND, MINNISOTA, MISSOURI, OREGON, PENNSYLVANIA, SOUTH CAROLINA, TEXAS, VIRGINIA, WASHINGTON
Additional states may be added over time, and you do not need to be licensed in a state in order to receive overrides from agents you recruit that are in those states.