Advisors Blog

7 Valuable Tips and Sales Ideas

Published on October 19, 2021


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7 Valuable Tips and Sales Ideas

Introducing a new series of quick sales ideas to spark interest in your clients and centers of influence. Position yourself as a valued advisor and insurance professional by using these tips as conversation starters:



1Both Banner Life and AIG Term pricing on rated cases are based off of their standard plus rate class. In many cases a table 2 rating is lower in cost than many standard rates from other companies.

2. United of Omaha’s Protection Index UL now offers an age 90 death benefit guarantee. When combined with United of Omaha's extremely low cost structure for this product, it is an excellent alternative to the more expensive guaranteed death benefit UL, plus with an upside of cash accumulation.

3. American National's Annual Renewable Term (ART) is still a very low cost alternative to level term when the insurance need is for a period of five years or less.

4. GBSLife has the ability to "whole sale" variable life products, for both individual and survivorship. When your clients need a product that has a fully guaranteed death benefit, strong potential cash accumulation, and very competitive pricing, speak to your GBS Brokerage Manager about the variable life products we offer.

5. An individual 10 year term policy may be more cost effective than group term insurance for clients ages 65 and older. Not only can the premium be lower in cost than the tax liability based on Uniform Premium Table, but individual contracts offer rate guarantees, conversion, and greater flexibility.

6. Alternative Tobacco Usage: If your clients smoke cigars, chew tobacco, wear a nicotine patch, or use non-cigarette tobacco products, we have markets that are extremely flexible when it comes to underwriting those risk classifications, and can assist you in obtaining a non-smoker and many times a non-smoker plus, rate class. Vaping is not eligible for non smoker rates!

7. Longer Duration Term Protection: Term policies with durations of 35 and 40 years are now available to clients based on age. If the client cannot afford permanent insurance, the ultra-long 35-40 year plans might make sense for some clients with long-term needs. The premiums are fully guaranteed for the entire life of the policy.

For more information on any of these topics or for a custom quote design, please contact your GBS brokerage manager at any time.




We at GBS Insurance thank you again for your business. For more information or insurance quote requests, please contact your brokerage manager or give us a call at (800) 473-5966

For agent use only - not for use with the general public.

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21820 Burbank Blvd., Suite 301

Woodland Hills, CA 91367

Phone: (800) 473-5966

GBS Insurance and Financial Services, Inc. do not provide investment, tax, or legal advice. The information presented here is not specific to any individual’s personal circumstances. To the extent that this material concerns tax matters, it is not intended or written to be used, and cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Each taxpayer should seek independent advice from a tax professional based on his or her individual circumstances.


Guarantees and benefits are based on the claims-paying ability of the issuing insurance company. Broker/dealers, insurance agencies and their affiliates who sell the policy make no representations or guarantees regarding such ability.


Life insurance policies contain fees and expenses, including cost of insurance, administrative fees, premium loads, surrender charges and other charges or fees that will impact policy values. Keep in mind that most life insurance policies require health underwriting and, in some cases, financial underwriting. Each case is individually underwritten as the severity of medical conditions varies among individuals. Formal underwriting evaluation and pricing is based on the individual characteristics of each case.

These materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable—we cannot assure the accuracy or completeness of these materials. The information in these materials may change at any time and without notice.

© 2020 Arthur J. Gallagher & Co. 





Have You Considered VUL?

If you haven’t considered VUL lately, many of today’s newest products include benefits and features that clients are looking for. With the increased pricing for GUL products coupled with many carriers totally withdrawing from that marketplace, VUL and SVUL have become an even more attractive alternative for you and your clients to consider.


GBS News: PL Promise Term Repricing | A-List Term Sales Discontinued | IUL Product Enhancement | and more

Effective September 27, 2021, Pacific Life is repricing rates for PL Promise Term, a product specifically designed to serve the death benefit protection needs of the broad market consume.


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