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C.L.E.A.R.: Confidential Life Insurance Evaluation and Recommendation Inforce Servicing Keeping the Client Well Informed Staying connected with clients is no longer just recommended, it's absolutely mandatory for your ongoing success and the survival of your practice. Retaining clients, finding new ones, and cultivating referral sources is dependent on your firm's ongoing service capabilities and ability to keep clients well informed. You must have the ability to monitor and measure your clients' life insurance portfolio to ensure it continues to meet both their needs and expectations. Communi...

CLEAR: Confidential Life Insurance Evaluation and Recommendation  Existing Coverage Keep, Remediate, Replace or Exit? How many times have you come across a new client whose older cash value policies have been performing exactly as initially projected?  The answer is probably "none." The same holds true for your own established book of clients. CLEAR helps you determine what kind of corrective action should be taken in the event that current policy performance or features no longer suit the client's plans. Should the client keep the existing coverage?Should you recommend a policy cour...

CLEAR: Confidential Life Insurance Evaluation and Recommendation  Underwriting and Mortality Analysis Package each unique story in a compelling manner For your high net worth and business owner clients, life insurance is an asset they can't just buy off the shelf or with a call to a broker.  And the best possible underwriting outcome can dramatically increase the value of this asset. CLEAR Underwriting and Mortality Analysis (UMA) is a critical part of the successful execution and implementation of life insurance planning.  UMA alleviates client concern regarding privacy, and al...

CLEAR: Confidential Life Insurance Evaluation and Recommendation Suitability New Coverage – Assessing and Documenting Needs & Suitability "Suitability" must be the watchword not only for you but for every 21st century financial advisor. Having a process in place that reliably documents suitability provides a clear advantage in the marketplace. In addition to the CLEAR Underwriting and Mortality Analysis, product and carrier suitability is key to both a successful client engagement and compliance with the myriad fiduciary regulations that surround your business. Once you have established a ...

CLEAR: Confidential Life Insurance Evaluation and Recommendation BRINGING TRANSPARENCY TO LIFE In an era that is certain to include greater oversight and fiduciary responsibility, now is the time to distinguish yourself from competitors. Clients today insist on several key qualities in your practice: expertise, transparency, disclosure, objectivity, leverage and an attentive, proactive service relationship. CLEAR is designed to ensure that you stand out from your competitors and deliver the highest level of professional services to your clients. How will CLEAR enhance your practice? You w...