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Kirk Sarff

Kirk Sarff

Recent Posts

Quarterly Annuity Update with Kirk Sarff | Q1 2019

Disclaimer: Interest rates change often. This article will be updated on a quarterly basis, but rates may change between those updates. At any time, you can review current annuity rates here, and you can download our ...
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How to Get Non-Smoker Life Insurance Rates for Clients Who Smoke

How many times do you run across a smoking client that says something like this: “I smoke, but I’m gonna quit…”
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How to Write Life Insurance From Your Phone in 10 Minutes or Less

If you’re looking for a product that pays excellent commission and takes little to no time to write and issue, this is going to be more exciting than the next season of Game of Thrones. Or The Walking Dead. Or whatever ...
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Why Insurance Agents Should Be Writing Personal Notes to Underwriters for Life Insurance Applications

As an agent, underwriting feels like this big mystery. You may not know who the underwriters are, and the decisions they make can either make or break a relationship with a client. One way to close the mystery gap is to ...
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The GI Product That Only Takes 15 Minutes to Write (Plus: Highest Comp Out There)

If this final expense product isn’t is in your wheelhouse, you’re missing out big time. Currently, about 10% of our agents are writing it. Here’s why:
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What’s the Best 5-Year Fixed Annuity?

We’ve recently had agents calling in asking about the “best” 5-year fixed annuity. We have 4 carriers that we recommend the most, so we wanted to explain why. We’ve also included some rate comparisons.
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How Med Supp Agents Can Fill the Final Expense Need

Life insurance can seem complicated. And sometimes it truly is. My mission is to bring you little bits of helpful information to make life insurance sales simple.
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How to Do a Life Insurance Policy Review (A Shortcut and Real-Life Examples Included)

A great way to snag new clients is to offer a free life insurance policy review.
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A Life Insurance Option for Clients With Major Health Issues

Here’s what we know: 93% of people say that life insurance is needed.
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The Safest Way to Be Risky: Fixed Annuities with an Indexing Option

For some clients, a regular MYGA annuity just isn’t interesting enough. They like the safety of it, but they want the opportunity to make bigger gains that only the stock market can produce.
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