pinneyinsurance
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Transcript of pinneyinsurance
• Founded in 1972 as a Transamerica branch office and later incorporated as Pinney Insurance Center, Inc.
• Headquartered in our own building in Roseville, California, we provide a small local agency feel with the power of a major national firm.
• Has expanded into a national distributor with thousands of contracted agents and offices in California, Illinois, Maryland, North Carolina, Oklahoma, Pennsylvania, Texas, Washington, and Mississippi .
• Pinney represent over 100 life, annuity, disability, and long-term care companies with the intent of providing our Clients & Partners with the best possible product solutions at the lowest possible costs.
Providing All the Tools for Your Success
www.pinneyinsurance.com
Pinney Insurance Center, Inc.
I N S U R A N C EPINNEY
• LifeMark Partners - one of the nation’s largest marketing organizations for insurance and financial services products and comprised nationally of 48 of the largest independent life brokerage agencies.
• Professional Life Advisors Network (PLAN) – a group of insurance brokerage agencies that specialize in non-traditional distribution channels such as banks, broker-dealers, and professional services. Member agencies focus on methods, strategies, and concepts that help grow revenue for these non-traditional markets.
Providing All the Tools for Your Success
www.pinneyinsurance.com
Pinney Affiliations
I N S U R A N C EPINNEY
Providing All the Tools for Your Success
www.pinneyinsurance.com
Pinney Insurance Agent Service LevelsSilver Gold Platinum Pinney Elite
Carrier and product access Sales Support Team Dedicated Brokerage Director
Advanced Marketing Consultant
Detailed Carrier and Product Information
Access to all Carrier Forms
Business Development Assistance
Proprietary Tools & Services Advanced planning support
EZLife SalesEmail / print marketing
templates Product quote tools
Case Design (including quotes & illustrations)
Customized Client Sales Presentations
Complex Case Design Exit Planning Strategies
Proprietary Case Clearing House System
Application Processing and Case Management
Sales Techniques Monthly Concept Education
Web / phone point-of-sale assistance
In-person point-of-sale assistance
24/7 online case status and tracking
(Industry standard case management system)
Tools of the Trade Annuities In Focus
Policy Assessment Fiduciary Audits
Agent Branded Sales Presentations
Carrier Underwriting GuidesXRAE Pre-screen tool
RSA MedportInformal Submissions
Field Underwriting Support Post-Underwriting Sales
Support
Dedicated Case Manger Advanced Underwriting Consultant and Medical Doctor
Lead / Sales Generation Advertising and Marketing Support
Client Referral Workshops Custom webinars / teleconferences
+ Silver Level +Silver & Gold Levels +Silver, Gold & Platinum Levels
I N S U R A N C EPINNEY
Providing All the Tools for Your Success
www.pinneyinsurance.com
Products & Carriers• We maintain the highest “Due Diligence Standards” when
recommending products and insurance carriers. We look objectively at products, service, marketing support, advanced planning support, underwriting, and customer service.
• Ratings are very important in our determination of preferred providers. We look for excellent to superior ratings from the various ratings services and a Comdex rating in at least the top 25%.
I N S U R A N C EPINNEY
Providing All the Tools for Your Success
www.pinneyinsurance.com
• Client can complete themselves• Can be completed in 5 minutes +/-• Accurate Quote based on each
carrier’s underwriting criteria • Common App for All Companies• Perfectly completed App every
time In Good Order (IGO)
• E-Signature – No missed Signatures
• E-Policy Issue & E-Delivery
EZLifeSales.com
I N S U R A N C EPINNEY
Providing All the Tools for Your Success
www.pinneyinsurance.com
• Web marketing• Email marketing• Customizable personal or agency
branded marketing pieces• Email templates • E-marketing links• Integrated with Social Media sites
Email and Print Marketing
I N S U R A N C EPINNEY
Providing All the Tools for Your Success
www.pinneyinsurance.com
Product Quote ToolsMulti-Product & Sales System
I N S U R A N C EPINNEY
Life• Term Life• Universal Life• Long Term Care• Simplified Issue• Product SpecificationsAnnuities• SPIA• Indexed• Fixed• MYG / CD Annuities
Providing All the Tools for Your Success
www.pinneyinsurance.com
• We will do everything else• We handle the details• Your cases get processed quickly• We assist any way you desire• Real time case status updates –
day or night• We will deliver• We will be your advocate and your
client’s advocate
And we will help you succeed any way we can
EZLife Sales Services Guarantee
I N S U R A N C EPINNEY
Providing All the Tools for Your Success
www.pinneyinsurance.com
Case Management & Innovative Underwriting Support
Case Status
Check your case status online for instant, 24/7 access that includes:
• Detailed case status
• Outstanding requirement reporting
• Correspondence between your case manager, your client, the carrier, and any vendors (APS, exams, etc.)
• Leave comments or questions for your case manager
• Proprietary Case Clearing House System
I N S U R A N C EPINNEY
Providing All the Tools for Your Success
www.pinneyinsurance.com
Once your client's quote is submitted, your medical team of doctors and nurses will engage with the client and conduct a medical interview of the application.
They will then create a detailed account of the RX, MIB and health history of the client, and obtain medical clarity of client care, compliance and control. Once the medical interview and history has been obtained, it is optimized in-good order submission to reduce turnaround time.
Search against the proprietary underwriting rules of multiple carriers with one click within EZLifeSales.
XRAE is the first multi-carrier field underwriting and quick-quote management tool in the industry built for the brokerage general agencies.
Case Management & Innovative Underwriting Support
I N S U R A N C EPINNEY
Providing All the Tools for Your Success
www.pinneyinsurance.com
Sales Support Team• Dedicated team of
individuals that you help you determine numerous strategies that provide creative solutions to address a variety of client goals and objectives.
• Ability to handle multiple carriers and product lines.
• 1 Page concept pages to present with insurance solutions.
I N S U R A N C EPINNEY
Providing All the Tools for Your Success
www.pinneyinsurance.com
• Monthly Newsletter program with specific Planning focus. • Concepts “Made Simple” Agent Sales Kits• Sales, product, and best practices webinars• Internet Marketing & Social Media White Papers
Tools of the Trade, Agent Marketing,
I N S U R A N C EPINNEY
Providing All the Tools for Your Success
www.pinneyinsurance.com
• Unique Concepts that sell the benefits, not a specific product or carrier• Provide you with new concepts and strategies to discuss• Easy-to-use tools to create client specific presentations
Unique Sales Tools , Concepts & Client Presentations
I N S U R A N C EPINNEY
Providing All the Tools for Your Success
www.pinneyinsurance.com
• A qualified, third-party opinion on you clients life insurance portfolio
• Review policy design and function
• Funding of the policy• Financial health of life
insurance carrier
• Health status of insured• New underwriting and medical
exam• New contestability and suicide
clause periods
Policy Assessment Process
I N S U R A N C EPINNEY
Providing All the Tools for Your Success
www.pinneyinsurance.com
• Purpose of Assessment • Who Conducted the Assessment • Executive Summary• Special Considerations• Client Objective Review• In-force Policy Review• Summary of Alternatives• Financial Stability Review• Conclusion & Recommendations
Policy Assessment Report
I N S U R A N C EPINNEY
Providing All the Tools for Your Success
www.pinneyinsurance.com
Dan has coached some of the most successful insurance agents and financial professionals on the concepts of generating more referrals with incredible results described as “brilliantly simple,” “eye-opening,” and “the most refreshing presentation in years.”
You will learn:
• Why the majority of your clients do not give referrals as frequently as they could.
• The true roadblocks that prevent most professionals from creating effective referral relationships.
• How to implement simple, step-by-step strategies to begin getting referrals immediately.
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http://vimeo.com/20518215
Workshops with Dan Allison
Advanced Marketing, Planning & DesignPinney’s Insurance Center’s Advanced Marketing department is committed to providing you with expertise and powerful resources to help you serve the objectives of clients and grow your practice.
As a Pinney Agent you will have access to a team of highly qualified Advanced Marketing consultants with expertise in life insurance, estate and trust planning, business and executive benefits planning, and charitable giving.
These extremely specialized resources will allow you to respond quickly to clients’ planning goals and promote the level of service you bring to your clients.
Providing All the Tools for Your Success
www.pinneyinsurance.com
I N S U R A N C EPINNEY
Providing All the Tools for Your Success
www.pinneyinsurance.com
There are many components of the underwriting process; insurable interest/financials, medical histories, avocation, aviation, travel, motor vehicle experiences and more.
This information filters in through a variety of sources. Although these sources are credible, they may not always contain the underlying details needed to answer all the underwriter’s questions.
The Pinney Underwriting Team will provide you assistance in developing a cover letter that will pull all the pieces of the underwriting puzzle together.
A good medical summary increases the carriers underwriter knowledge of the client by presenting a full and balanced view of the risk at first handling. The ability to negotiate the “Total Picture” early in the underwriting process will create a more opportunity at the right carrier with best possible results for the client.
Advanced Underwriting Consultant & MD on Staff
I N S U R A N C EPINNEY
Providing All the Tools for Your Success
www.pinneyinsurance.com
With Pinney Insurance you can:
• Build your team without
adding expense
• Partner when appropriate
• Continually innovate
• Work on your business… not just in it
I N S U R A N C EPINNEY
The Pinney Formula for Success (Motto):
Have Fun + Value People = Make Money!
Providing all the Tools for Your Success!
Providing All the Tools for Your Success
www.pinneyinsurance.com
I N S U R A N C EPINNEY
Contact Us• Phone: (800) 823-4852• E-mail: [email protected] • Web: www.PinneyInsurance.com
www.EZLifeSales.com• Connect with Pinney:
Thank you!
2266 Lava Ridge Court Roseville, CA 95661 www.pinneyinsurance.comI N S U R A N C E
PINNEY