Critical Illness Insurance Living Benefits Center
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Briarwood's Life Store: Your Only
Critical Choice
By Michael K. Carroll
Published in "The Annuity Store Gazette"
The bottom line is that the majority of agents today are bored! They either are burned out or burned up at their carriers. Acquisitions, mergers, buy-outs, demutualizations...are all the "buzz words" of the day. The producer agent wants a home, wants to make good income, wants a relationship that is ongoing...not 30 days away from a buy-out. As a follow-up to my last article in the Gazette, I believe that Critical Diagnosis is the best medicine for agents in an industry that doesn't have healthy sales results.
It is the new kid in town! A stand-alone (non-life) version allows both health and life producers to go back to their clients and have the first opportunity in a long, long time to make another sale that is badly needed today. In many ways, it fills the gaps that some of our insurance products today don't address.
The statistics are alarming! Every 20 seconds, someone in the U.S. will get cancer...every 60 seconds, a heart attack will claim its next victim. We all know these people. They are our friends, family, co-workers, neighbors, church membes, etc. The financial death that a family has to endure due to a critical illness diagnosis will make the strongest of men cry at the suffering and heartbreak of that individual diagnosed.
The good news is---this product is
NEW, HOT, AND AVAILABLE NOW! As the industry licks its wounds since business in general is down 28%, it can appear as a bleak time. Yet, in every storm cloud there is a silver lining. This silver lining is Critical Diagnosis! The producer can make an incredible income from making this product a focus for them. Imagine---an agent finally selling insurance to the living, for the living, not the dead! Since we are being so honest here, a lot of agents who do okay in the business also feel the need to use any other name but insurance agent! I guess in some ways there is the perception of having the image of the used car salesman.
Increased income, better standard of living, and more free time allows the producer to pick the clients they wish, versus running doggedly after every possible prospect to close. This product is long ovedue in the U.S., and HAS NOW ARRIVED! It has universal appeal to every person in every market; in fact, it even opens up new markets closed before.
Remember---you now decide if all your clients who physically
survive can also financially survive, or die...with or without this coverage.
You be the judge....or be judged!!
Michael K. Carroll is Chairman and Chief Executive Officer of Briarwood International, Inc. He has an extensive background in the legal, actuarial, and policy design areas of Critical Diagnosis insurance coverage. Michael designs, develops, and markets various versions of this coverage for insurance companies throughout the United States. He can be reached at (540) 856-3222, Fax (540) 856-2110, or by E-Mail His offices are located at 217 Pheasant Drive, Basye, Virginia 22810-0367