Kirk Sarff
Recent Posts
Case of the Week: Life w/LTC
Congratulations to John Baumgart for the Case of the Week!
Long-Term Care Insurance: Facts and Common Myths
When you work with clients on financial planning, one gap you will find in Medicare policies is the lack of long-term care (LTC) coverage. This can create problems; as your clients age, their…
Five questions you should ask your clients before someone else does
Does this sound like you? You’ve been helping your clients with their health insurance and prescription drug plans, for years. You’re comfortable in that world, and you know the plans inside and out.…
Term Life with no Exam
SmartProtect™ Term with Vitality Smart, Fast, Affordable: Introducing SmartProtect Term with Vitality SmartProtect Term with Vitality is a quick, easy issue term product that protects your clients,…
Why more and more agents are offering Life with LTC
There's a serious need for long term care insurance, but as you may be aware, the LTCi market sort of collapsed a few years ago. This was due to products being priced incorrectly due to incorrect…
My client is a successful farmer, and needs more than just a Med Supp
Our agent, Judy, sold a Medicare Supplement to a husband and wife who farm. Judy knows that it always pays to ask questions, and found out that they have 1,200 acres - valued at over $12,000,000.…
Asking a few questions leads to a pair of Life with LTC cases
In this week's case study, we have an agent who recently starting using a client questionnaire. By asking questions beyond basic Medicare Supplement coverage, she was able to learn that her…
A question that agents (and clients) often avoid
How do you plan to pay for the care you may need someday? Don’t avoid showing your clients possible solutions to a concern that isn’t going away. Below is an overview of addressing the solution when…
Variable annuities - not for seniors
It’s remarkable to learn about the number of seniors who have Variable Annuities and are tied to the stock market. When seniors experience losses on their statements, they become alarmed, seeing the…
“Hit for the Cycle” with Client Needs Assessment
Recently, an agent did “hit for the cycle” when using a Client Needs Assessment (CNA). In baseball, “the cycle” is of course hitting a single, double, triple and home run in the same game.
