Case Studies Archives - Creative Edge

Life Insurance Can Change Lives—Ask Sarah W.

Life comes at you fast. September is Life Insurance Awareness Month, so in honor of what you do for your clients, we’ve put together a true story to share. If you want, you can show it to your clients this September. Meet Sarah W. In May 2014, Sarah W.’s world changed forever with the sudden,… Read More


The Blitz: Don’t Get Declined, Use a Proper Design

The Blitz from VOYA: 15-minute sales ideas used by successful agents. Proper IUL Design Monday & Tuesday | 1PM Central Join the meeting >> Call in: 888.311.2948 Participant code: 962542 This week you’ll learn: Optimal funding schedules. How to minimize cost of insurance. Withdrawals vs. loans. How to maximize distributions.   Upcoming Webinars Client profile:… Read More


Amiss Table Rating & Maneuverability

Technology adoption, advancements in medical treatments and the wide array of pharmaceutical products are making a larger impact on how we all do business. And, in this case success story, we see the importance of reviewing carrier offers and not taking them at face value. Maneuverability in Health Class Ratings With the subjective underwriting process… Read More


Mutual of Omaha’s GULS: Now Includes GRO Rider at No Charge

The “value proposition” of Guaranteed Universal Life contracts continues to improve with the addition of a “best in class” liquidity rider to Mutual of Omaha’s GULS contract. It is available for sale effective today, June 1st, and brings with it the ability to execute on the “policy split” strategy that many of us are already… Read More


What is a Living Benefit?

May 20 2016

by Creative Life Sales Team

Living Benefits: Changing Real Lives Robert Sanchez: $733,062.00 Isabella Martinez: $120,552.74 Rachael Roberts: $51,860.10 Bonnie Thomas: $234,364.24 What is a Living Benefit? In insurance terms, Living Benefits are Accelerated Benefit Riders (ABRs)1, which provide the option of receiving a partial or fill accelerated life insurance benefit if the insured experiences a qualifying medical condition. What… Read More


Above and Beyond Tax-Advantaged Retirement Options

You’re meeting with an affluent client or prospect that is 10 years or less away from retirement. He’s in good shape financially, but he’s also in great shape physically, and wants to maintain his lifestyle for a lengthy retirement. However, he’s already maxed out his tax-advantaged retirement options and doesn’t want any more exposure to… Read More


“I Gotta Guy” with Atrial Fibrillation (AFib)

Increasing cases of Atrial Fibrillation, also known as AFib, are being diagnosed every year. Therefore, you will likely see more clients with a history of AFib. We as field underwriters should be prepared to recognize AFib, symptoms, and types of treatment. AFib is an irregular and often rapid heart rate that commonly causes poor blood… Read More


Life insurance policy review can generate leads

Potential clients often lurk in plain sight. You don’t need to cold call, host a seminar or ask for referrals to find them. You already know them; you just need to look beyond your current relationship and think about that individual’s potential life insurance needs. Think about someone you know fairly well who isn’t a current… Read More


Old McDonald Had a Farm — and Some Outdated Life Policies

How to approach a family farming operation and ensure their current life insurance policies best suits their family’s growing needs. Here’s how one producer enlisted the expertise of his CreativeOne Life Sales Team to boost his client’s life insurance benefits and enhance his revenue.   A CreativeOne Case Study The agricultural community is fertile ground… Read More


Concierge Underwriting and the $60 Million Life Case–Part II

This is Part II of an article (Read Part I here) that details an actual life insurance case submitted and placed through CreativeOne. Names and other identifying factors have been changed or omitted to protect the privacy of the parties involved.  Concierge Underwriting to the Rescue Pete’s case presented other challenges beyond its size, namely… Read More