Foresters Financial Partners Partners For Life

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Foresters Financial Partners Partners For
Life
Optimizing Opportunities
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Workshop Agenda

• Foresters unique advantage in the market place
• The power of a 30 second commercial
• Referrals for success

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Foresters Unique advantage

• As a fraternal benefits society, we dont just
  offer life insurance,-we get involved in the
  communities in which our members live. Foresters
  is guided by a very powerful principle the
  growth and prosperity of our members and their
  families is linked to the communities in which
  they live.
• 130 year legacy
• Benefits to its membership

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Tell me about Foresters
Introducing Foresters

• Headquartered in Toronto, Canada, with offices
  throughout United States, Canada, and the UK
• Founded in 1874
• Member based organization dedicated to our
  members and their communities
• Provides innovative Life Insurance and annuity
  products
• Complimentary benefits of membership

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How do you qualify for Forester membership?

• Forester Passport
• Flexible premium adjustable life with tax
  deferred cash accumulation
• Forester Advantage Plan
• Fixed premium tax deferred cash accumulation
• Forester Life First Plan
• Fixed premium low cost term life with unique
  rider
• Foresters Secured Classic Plan
• Fixed Interest Annuity
• Foresters Secured Plus
• Equity Indexed Annuity

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The power of the 30 second Introduction
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Questions- comments
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Foresters Financial Partners Partners For
Life
Getting more qualified prospects
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The way of the world is meeting people through
other people- Robert Kerrigan, sales person

• The best prospect is a client who has already
  dealt with you-
• The second best is the one referred to you by a
  client who has dealt with you previously-
• The third best is one referred to you by another
  trusted professional or friend-

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Are you getting enough referrals? Selling
through referrals is the most powerful way to
build your business Bill Cates
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Asking for the Referral
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Setting the Stage

• During the appointment for delivering the
  policy(ies) to your client (s), set the stage for
  obtaining referrals by asking the following 4
  questions-
• OR
• During the annual review appointment with your
  clients, set the stage for obtaining referrals by
  asking the following 4 questions-

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Question 1

• Are you the beneficiary on any life insurance
  policies or annuities?

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Question 2

• How are the taxes being paid on the estate or
  the annuity?

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Question 3

• Do you have other siblings who are named as
  beneficiaries on life insurance policies or
  annuities?

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Question 4

• Are there tax considerations for your heirs?

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The Sandwich Generation

• Elderly parents to care for
• College funding for children
• Taking care of personal retirement objectives
• Elderly parents- great savers- bad planners

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Needs for Life Insurance

• Create an estate
• Pay death taxes
• Create a college fund
• Supplement retirement funds
• Equalize inheritance
• Maximize pension
• Income replacement

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Thank You

• Q A