Sales Ideas

Notices

Mandatory Annuity Training Update

All annuity products now have specific product training, but did you know that each state has their own requirements to sell these products? If you would like to know what requirements are in effect for your state, click here for a complete list. If you are planning on selling an annuity, be sure and check what training is required BEFORE taking an application. If you don’t, you will have to start over which can be a real problem especially if you are ready to submit with case. Just ask me how I know….

Latest News

Improved Underwriting Guidelines are Good News!

Ameritas has improved their underwriting guidelines as of March 5, 2018.  Examples are improved build guidelines, higher cholesterol limits for their higher rate classes, and two cigars a month for preferred plus with a negative specimen.  They will even allow recreational scuba diving up to 50 feet for preferred plus!  For details on their updates, click here.

Consider a Qualified LTC Services Rider for Wealth Transfer

Nationwide’s Indemnity LTC rider may be the answer for some of your clients.  When you open the conversation, you can talk about health care planning or wealth transfer.  There are many ways to address this issue.  Consider Nationwide’s product and click here for details on one of the more creative solutions available.

Treasury/IRS Promise Guidance On Pass-Through Business Tax Rules

Tax reform changes are being digested by various specialists in our industry.  Recently, the Treasury Department and the IRS have promised to provide guidance on a major pass-through tax reform that affects independent producers.  For more details, click here.  We will be watching, and keeping you up to date.

What Our Clients Are Saying

The purpose of this letter is to communicate my sincere appreciation for the extra effort put forth by Upstate Special Risk. I have been dealing with Upstate for over 20 years and it has been my experience that when a company, like Upstate provides quality service of the highest caliber, they tend to be the competing organization I seek to place my business. As all the people involved are true assets to the organization, I commend Andy Kalinowski for the value these special individuals provide to my Agency. Based on the service I’ve received from Upstate Special Risk, I will not hesitate to recommend your organization to all of my business associates.

Andrew J Fazio

Andrew J Fazio

President, Fazio Insurance Agency

I have been associated with Upstate Special Risk Services as both a company representative and independent agent for over 18 years. They have the most competitive companies, knowledge of the products and advanced markets, and backroom support to make it easy for me to write business. They’re #1 in my book!

Dennis Chmiel

Dennis Chmiel

Producer

Ever since I have made the move to Upstate our Life and Disability production has quadrupled. We aren’t doing anything different but they are. Instant on line term quotes. Rock solid advice and markets for the harder to place risk. Superior support and knowledge. All of this allows me and my staff to feel 100% confident asking our clients for the business knowing that we will get great rates, fast turn around and phenomenal support. Thank you Andy and all the team at Upstate.

Steve Desino

Steve Desino

President, Pinnacle Insurance Agency

Our firm has partnered with Upstate Special Risk for the past several years to fulfill our clients’ insurance needs. Our experience has been positive in every way. Each individual with whom we have had contact has been professional, caring and has provided prompt service. We are kept informed as to the status of each case and receive phone calls or emails with updates. We could not be more impressed with the attention we are given. We highly recommend Upstate Special Risk for all of your insurance needs.

Judy Janesh

Judy Janesh

Producer

Upstate Special Risk Services offers prompt, friendly, professional services for my life insurance clients. I especially appreciate the regular follow ups to let me know how the applications are progressing. I have done business with USRS for years and am very happy with the services they offer to my agency and my clients.

Scott Greene

Scott Greene

Producer

Upstate Special Risk has been a vital part of my marketing plan for almost a decade. With imagination, insight and an appreciation for the importance of detail, the risk management experts at Upstate have been instrumental in my firm’s growth. Embracing a model of holistic planning has greatly benefited my clients, and has led to my company’s growth through an increase in referrals and introductions. While I can’t be an expert in every aspect of wealth management and planning, my partnership with Upstate Special Risk can bridge that gap and move my clients forward in their pursuit of financial security!

Linda Black, Leesburg, VA

Linda Black, Leesburg, VA

Producer

I have worked with LifeMark/Upstate Special Risk Services for almost 5 years. The support has been amazing since our first meeting. The help and guidance of the folks at home office is second to none! They continuously help me grow my business and my knowledge through phone conversations and email as well as GFS and Firm Element trainings. Their approach as fiduciaries and trusted advisors is refreshing and nothing short of exemplary. I am looking forward to our growth together over the next several years.

Ronald J. Drake

Ronald J. Drake

Registered Representative