When submitting applications, Requirements, Contracts or Medical Records be sure to use our Upload Docs Tool. This is a safe feature that you can use when you need to transmit sensitive information. This tool is available on the Pegasus Website for registered users.

If you have not registered yet, you can view a short tutorial on how to complete this registration process by Clicking HERE!

Full Liquidity For Your Client!

Transamerica has a new Liquidity feature on its TransAce GUL product. Now your client has full access to all paid premiums!

Click HERE for More Information

Assurity Producer Website Will Be Down

Assurity will be moving into it’s brand new state of the art building. Because of this move the website will be down from Friday 8:00 pm Central and will be up on Monday at 6:00 am central at the latest.

They will be working on getting the site up as quick as possible and it could be up sooner.

Clients Vacation Plans Getting in the Way?

American General has revised its Foreign travel guidelines for the better. Now you can get your clients a better rate than ever before!

EXAMPLE: Travel to Colombia? No Problem & NO Extra Rating!

All information can be found HERE!

Take a look at Transamerica’s new Index Universal Life product. Giving the client no exposure to market declines, Tax-deferred earnings and the Possibility of Tax Free income. This is a great product for any parent worried about college funding!

Click HERE for more information

Make Sure to Use AG’s New Forms Or It Will Cause Delay’s

American General has revised Applications and the Exam Part II for all States. The new packets were made effective October 1st. Applications completed on the older paperwork will only be accepted until October 23rd. Any applications sent in after that day will need to be on the Revised 2011 forms for compliance purposes.

All updated paperwork is available here on our website

Quotes and Forms Tools Are Now Exclusive

That’s right! The Pegasus website has now been exclusive to Pegasus Agents for the last week. This means that only Pegasus Associates have access to the Forms, Quotes and Upload Docs tools. We will continue to add additional tools that will only be available to you!

Critical Illness Awareness Month

Assurity has proclaimed October to be Critical Illness Awareness Month. Have you offered your clients a living benefit that can pay their bills in the event of a Heart Attack, Cancer, Stroke or even Paralysis!

Click HERE to get some sales ideas for this great product!

]]> http://pegasusii.com/flight-training-volume-1-issue-13/feed 0 http://pegasusii.com/free-5-starbucks-gift-card-from-american-general http://pegasusii.com/free-5-starbucks-gift-card-from-american-general#comments Thu, 22 Sep 2011 15:15:48 +0000 Moya Justin http://pegasusii.com/?p=953 American General is giving away a FREE $5 Starbucks gift card! Here’s how it works.

• Complete the 20-30 minute, state-required National Association of Insurance Commissioners (NAIC), product-specific training for our fixed and index annuities through QuestCE

• Be one of the first 2000 to do the training and you’ll receive a $5 Starbucks gift card

DON’T WAIT GET YOURS TODAY

CLICK HERE for details.

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Fellow associates,  your customers and prospects are waiting for you to ask them.  You are their “water” in the desert of their financial world.  Take advantage!!  If you need help on how to get going feel free to call or email me.  I can and will help you.  I have 37 years of experience and I sell everyday so why not tap into that knowledge.  Who else do you know who has those credentials that is available to you?

• You can issue a policy up to age 89
• Face amounts of up to $35,000
• Immediate approval by Point of Sale Telephone Interview
• Jet Issue: All policies are issued within 48hrs

No Exam, No Height & Weight, No MIB Check & No RX Check!

Call today for more information!

*Not available in California

The Trendsetter term product has been replaced by the new TransTerm UL product. This UL combines the length and guarantee of a term with the built in flexibility of a UL policy.

Call Today for more information!!

Now you can write all but 1 product that Assurity has to offer electronically. This is the only company that is embracing the technology wave and Pegasus Applauds them for this. If you are not familiar with iGO yet CLICK HERE for a quick demo!

Start filling out all Assurity apps today for TRIPLE Credit in the Pegasus iPad 2 Giveaway!!

Don’t dismiss this question too quickly.  I want you to think about this because the insurance selling landscape has changed dramatically.  The changes have come about because the consumer has changed…and he has access to information at the touch of his fingers through cell, tablet or laptop…and he hides behind caller ID and makes it difficult to get to him/her.  The consumer wants everything NOW, not 5 minutes ago and they are used to getting it.  If the agent can’t provide it and provide it RIGHT NOW then his sales life span has been shortened considerably.   So does this mean we (agents) are all dead?

Some articles may make you think so.  I remember 5 years ago the prediction that the internet would take the place of the agent.  And in some respects it has but maybe more so in the P&C world than in the Life and Annuity world.  The dire predictions that the agent would lose out to the internet for life insurance simply did not happen and will not as long (as) insurance agents provide customer value and support … whether it be finding the lowest premiums or the right company to fit the customer health situation or in customer support in servicing the clients various requests or the back-office support to properly manage claims (especially death claims).

For upper income individuals whose needs may involve several different types of coverage (term, permanent, Retirement Life, 2^nd to Die) and there is a need to shop the different coverages to different carriers traditional agents play a vital role.

More Good News – It seems that we, agents, are needed

Independent insurance agents continue to process the bulk of life sales.  Insurance companies still see the vast majority of their sales coming through the traditional agency channel.  The internet and the banks so far have not made strong gains in the life arena. 

The Internet?

In today’s insurance landscape, there is no mistake that online and traditional sales are increasingly intertwined. Agents are using online sites to find the best deals for clients. Many agents have online quoting sites that enable them to help their clients with premium or coverage questions. And companies are now encouraging their agents to fill out and send applications through their online application tools. Pegasus is working mainly with companies today that have e-application platforms because of the realization that this is the future.

Insurance Agent  Website – How important is it?

A website is a must, in my opinion, for every agent; not just a chosen few if only for the credibility issue.  Think of it; many consumers want to know their prospective agent and they will google them.  If they find a website it adds credibility; if they don’t find a website the agent is at a disadvantage.  Why fight it?  A one page website is relatively inexpensive and, at Pegasus, we allow those agents with websites to hook themselves up with us to provide filler and articles that his prospects and clients may find useful.    

Agents handy in emergencies

Although do-it-yourself quoting and selling sites are out there and buying sometimes works fine for simple term life, more complicated situations and the unpredictability of health issues  make dealing with an actual agent critical.  Just imagine an unexpected death:  Who do you call for that…the internet?  Imagine the widow wondering how much their spouse had at that terrible moment?  The agent is critical and a relief for all families in these situations.  But even for those deaths that are anticipated such as terminal death issues that give the person time to plan, they call their agent and plan!  People want to talk to somebody in times like these.

What does Pegasus II offer?

Pegasus Insurance International, LLC, an IMO company, offers online and offline help for agents with quotes, sales situations, concepts, companies, and the “I’ve got a guy” situation where agents need to know how to quote a prospect before actually submitting the case.  Pegasus believes the agent needs the online presence as well as knowledgeable personnel the agent can rely on.  In other words, the agent in today’s world needs both.

Online sales tools will help consumers evaluate premiums, not evaluate their insurance needs.

No one can replace the agent yet on these matters.  Online tools are useful but the other side of the equation is there are an equal number of instances where those quoting and asking for application tools aren’t sufficient.  Insurance consumers want to have the option of online browsing because they’re used to it in their consumer lives. But when push comes to shove, they want to have the safety net of agent support while they’re on their life road, particularly during tough times or tragedies.

Let’s be honest here with each other:  You, the agent, will not die, ever, as long as you do your job!  If you don’t follow the advice above then yes you will be dead.

After 37 years in the insurance and financial services industry here is a list of tips I share with all my agents. (new and old)

1. Find the right IMO organization.  If you’re independent, join a strong IMO to funnel all your business through. For example, we represent 40+  insurance carriers (everything but P&C and Health Insurance) and a Medicare Advantage/Medicare Supplement channel. All production from all channels goes to Trips, Conventions, etc.
2. Set your income goals. These goals should be obtainable, but specific to your market and products that you sell.
3. Find 1-3 Niche Markets to specialize in based on the economy and market demands. For example, Retirement Planning market, Final Expense Market, Mortgage Cancellation Market, Teachers Market, Government Market, etc.  In other words, for an agent to be successful in this niche markets, you must be able to identify problems and provide solutions to these prospects. Training is very important, so having the right support system is very important!
4. You need to work proven systems for your success. If you’re new to the business, then you probably don’t have a proven system yet.  Again, the importance of a good IMO behind you.  We offer Lead Generation Systems in different markets such as: Final Expense, Mortgage Protection,  Retirement Planning, and Federal Employees.
5. Work smart! Time is money. Work the plan and don’t let the plan work you. It will come with time.
6. Invest in your money. Be in the Insurance and Financial Services Industry is very inexpensive to start compared to many other businesses. As an Independent Agent marketing is the key besides good prospecting. So, if I had a choice of choosing between advertising or investing in marketing lead generating system; I would do the lead generating systems.

If I can be more of assistance to you, just contact me via email or phone. (505) 298-2111

JD Moya – Pegasus Insurance International, LLC. (Founder)