--- title: "BSMG Blog: Protecting the Future of Families and Businesses | Life Insurance (2)" description: Life Insurance | Retirement topics, insurance news, annuity and life insurance broker tips (2) --- [info@bsmg.net](mailto:info@bsmg.net) [(800) 343-7772](tel:800.343.7772) [![Unified | HubSpot COS Framework](https://life-annuity-blog.specialtyprogramgroup.com/hs-fs/hubfs/logo-1.png?width=359&name=logo-1.png "Unified | HubSpot COS Framework")](http://www.bsmg.net) - Menu Item 1 - Sub-menu Item 1 - Another Item - Sub-menu Item 2 - Menu Item 2 - Yet Another Item - Menu Item 3 - Menu Item 4 # BSMG Blog: Protecting the Future of Families and Businesses - Blog ## [Coming Soon – Lincoln MoneyGuard Market Advantage (VUL)](https://life-annuity-blog.specialtyprogramgroup.com/coming-soon-lincoln-moneyguard-market-advantage) Brokers' Service [Life Insurance](https://life-annuity-blog.specialtyprogramgroup.com/topic/life-insurance), [Insurance Products & Solutions](https://life-annuity-blog.specialtyprogramgroup.com/topic/insurance-products-solutions), [Insurance Industry News](https://life-annuity-blog.specialtyprogramgroup.com/topic/insurance-industry-news) No Comments 4 Feb 2021 Effective February 16, 2021, Lincoln will introduce the next generation in long-term care planning and expand its MoneyGuard portfolio with the launch of Lincoln MoneyGuard Market AdvantageSM, pending state and firm approvals. Lincoln MoneyGuard Market AdvantageSM is a **variable universal life insurance policy with a long-term care rider**. [Read More](https://life-annuity-blog.specialtyprogramgroup.com/coming-soon-lincoln-moneyguard-market-advantage) ## [Coming Soon – Lincoln VULONE (2021) and Lincoln SVULONE (2021)](https://life-annuity-blog.specialtyprogramgroup.com/coming-soon-lincoln-vulone-2021-and-lincoln-svulone-2021) Brokers' Service [Life Insurance](https://life-annuity-blog.specialtyprogramgroup.com/topic/life-insurance), [Insurance Products & Solutions](https://life-annuity-blog.specialtyprogramgroup.com/topic/insurance-products-solutions), [Insurance Industry News](https://life-annuity-blog.specialtyprogramgroup.com/topic/insurance-industry-news) No Comments 4 Feb 2021 Our new Lincoln VULONE (2021) suite launches on February 16! It’s the same Lincoln VULONE you’ve always relied on, now with more options. You can continue to offer guaranteed lifetime death benefit protection with market-driven growth potential, while also offering options that can reduce cost and increase your cash value and death benefit protection. [Read More](https://life-annuity-blog.specialtyprogramgroup.com/coming-soon-lincoln-vulone-2021-and-lincoln-svulone-2021) ## [I'd Sell More Life Insurance If...](https://life-annuity-blog.specialtyprogramgroup.com/id-sell-more-life-insurance-if) BSMG [Life Insurance](https://life-annuity-blog.specialtyprogramgroup.com/topic/life-insurance) No Comments 22 Sep 2017 If you've ever found yourself thinking something that starts like this, "I'd sell more life insurance if...", you are not alone. In 2016, we conducted an online survey of insurance and financial professionals that focused on the state of advisor relationships and decision-making criteria regarding their Brokerage Agencies. Hoping to get a better understanding of some of the road blocks insurance advisors face, we asked them to finish the statement "I'd sell more life insurance if..." Below is a compilation of the most common responses we received, coupled with key ways other financial professionals are successfully addressing these road blocks. [Read More](https://life-annuity-blog.specialtyprogramgroup.com/id-sell-more-life-insurance-if) ## [Tactics & Talking Points to Introduce a Policy Review](https://life-annuity-blog.specialtyprogramgroup.com/what-every-advisor-should-know-about-policy-review) BSMG [Advisor Marketing Tips](https://life-annuity-blog.specialtyprogramgroup.com/topic/advisor-marketing-tips), [Life Insurance](https://life-annuity-blog.specialtyprogramgroup.com/topic/life-insurance), [Communication Tips for Advisors](https://life-annuity-blog.specialtyprogramgroup.com/topic/communication-tips-for-advisors), [Policy Review](https://life-annuity-blog.specialtyprogramgroup.com/topic/policy-review) No Comments 16 May 2017   **DID YOU KNOW?** **It is a common misconception by consumers that once a life insurance policy is purchased they can "set it and forget it."** Has your life changed in the last five years, how about the last two years? I don't need to tell you how quickly life can change. Your client's lives are also continually evolving, so shouldn't their life insurance protection be reviewed to match? Use these life insurance sales tips to keep in touch with your clients and ensure their current policy still matches their needs. Life is busy, your clients may (or may not) be aware that they need to update their policy coverage. They also may not have the time to research new products or even to pick up the phone to call you for help. Be proactive and check in with your clients. Do they have a new career, business, child or home? The simple question of "when was the last time someone reviewed your policy?" may be all you need to open the door. [Read More](https://life-annuity-blog.specialtyprogramgroup.com/what-every-advisor-should-know-about-policy-review) ## [How Successful Insurance Agents Approach Small Business Owners](https://life-annuity-blog.specialtyprogramgroup.com/how-successful-insurance-agents-approach-small-business-owners) BSMG [Advisor Marketing Tips](https://life-annuity-blog.specialtyprogramgroup.com/topic/advisor-marketing-tips), [Life Insurance](https://life-annuity-blog.specialtyprogramgroup.com/topic/life-insurance), [Sales & Prospecting Tools for Advisors](https://life-annuity-blog.specialtyprogramgroup.com/topic/sales-prospecting-tools-for-advisors), [Insurance for Small Business Owners](https://life-annuity-blog.specialtyprogramgroup.com/topic/insurance-for-small-business-owners) No Comments 12 May 2017 **Check out these tips on approaching small business owners for insurance agents & advisors.** Small business owners respond well to an approach that includes educational information and planning for their future success. They feel their business is unique. If you can teach them something new, they will be more open to meeting with and listening to you. ***“Tell me what you’ve done for other small business owners and why it is right for me.”*** [Read More](https://life-annuity-blog.specialtyprogramgroup.com/how-successful-insurance-agents-approach-small-business-owners) ## [Top 6 Tax Advantages of Life Insurance](https://life-annuity-blog.specialtyprogramgroup.com/tax-advantages-of-life-insurance) BSMG [Life Insurance](https://life-annuity-blog.specialtyprogramgroup.com/topic/life-insurance), [Tax Season](https://life-annuity-blog.specialtyprogramgroup.com/topic/tax-season), [Tax Planning](https://life-annuity-blog.specialtyprogramgroup.com/topic/tax-planning) No Comments 14 Mar 2017 Whether purchased for accumulation, retirement income or for the death benefit, life insurance has many tax benefits. With tax season in full swing, there's no better time than the present to educate your clients on the unique tax advantages associated with owning a life insurance policy. We asked our in-house tax expert for a summary of the tax advantages of life insurance versus other asset types including; IRAs, NQ Deferred Annuities, Corporate Bonds and U.S. Government Securities. These are the top 6 tax advantages worth discussing with your clients. [Read More](https://life-annuity-blog.specialtyprogramgroup.com/tax-advantages-of-life-insurance) ## [Use This Strategy to Close More Life Insurance Sales](https://life-annuity-blog.specialtyprogramgroup.com/6-steps-to-building-a-successful-life-insurance-sales-strategy) BSMG [Advisor Marketing Tips](https://life-annuity-blog.specialtyprogramgroup.com/topic/advisor-marketing-tips), [Life Insurance](https://life-annuity-blog.specialtyprogramgroup.com/topic/life-insurance), [Communication Tips for Advisors](https://life-annuity-blog.specialtyprogramgroup.com/topic/communication-tips-for-advisors), [Term Life Insurance](https://life-annuity-blog.specialtyprogramgroup.com/topic/term-life-insurance) 2 Comments 21 Feb 2017 **6 Steps To Building A Successful Life Insurance Sales Strategy Using the "Balanced Approach"** Most of your clients face a dilemma as they find their life insurance needs shifting. They can either:  - Insure their highest level of coverage needed, even though it could be years from now, or - Insure their lowest level, all but guaranteeing they’ll be under-insured in the future. Whether they are clients who are considering buying insurance for the first time or ones who realize that their current policy isn’t enough, finding the right balance is an important concept.  [Read More](https://life-annuity-blog.specialtyprogramgroup.com/6-steps-to-building-a-successful-life-insurance-sales-strategy) ## [The Right Buy-Sell Agreement for Your Client](https://life-annuity-blog.specialtyprogramgroup.com/the-right-buy-sell-agreement-for-your-client) Russell E. Towers JD, CLU, ChFC [Retirement](https://life-annuity-blog.specialtyprogramgroup.com/topic/retirement), [Life Insurance](https://life-annuity-blog.specialtyprogramgroup.com/topic/life-insurance), [Buy Sell Agreement](https://life-annuity-blog.specialtyprogramgroup.com/topic/buy-sell-agreement), [Business Succession](https://life-annuity-blog.specialtyprogramgroup.com/topic/business-succession) No Comments 6 Oct 2016 **One of the most important planning issues confronting a business owner is what happens to his or her share of the business upon death.** [Read More](https://life-annuity-blog.specialtyprogramgroup.com/the-right-buy-sell-agreement-for-your-client) ## [9 Key Steps to Nurturing Life Insurance Leads](https://life-annuity-blog.specialtyprogramgroup.com/9-key-steps-to-nurturing-life-insurance-leads) BSMG [Advisor Marketing Tips](https://life-annuity-blog.specialtyprogramgroup.com/topic/advisor-marketing-tips), [Life Insurance](https://life-annuity-blog.specialtyprogramgroup.com/topic/life-insurance), [Sales & Prospecting Tools for Advisors](https://life-annuity-blog.specialtyprogramgroup.com/topic/sales-prospecting-tools-for-advisors), [Financial Advisor Tools](https://life-annuity-blog.specialtyprogramgroup.com/topic/financial-advisor-tools) No Comments 18 May 2016 We're sure you know that you can't grow your business without growing your sales pipeline. Successful sales lead management begins with identifying prospects who have expressed an interest in your products or services. Life Insurance leads can come from a variety of prospecting efforts such as lists, social media, direct mail or email. Regardless of how you find these leads, it is important to always nurture them, a forgotten lead is unlikely to become a customer. Below are tips on how to handle and track each new lead as well as grow your lead base. [Read More](https://life-annuity-blog.specialtyprogramgroup.com/9-key-steps-to-nurturing-life-insurance-leads) ## [8 Communication Tips to Attract Clients Who Are Business Owners](https://life-annuity-blog.specialtyprogramgroup.com/8-communication-tips-to-attract-clients-who-are-business-owners) BSMG [Advisor Marketing Tips](https://life-annuity-blog.specialtyprogramgroup.com/topic/advisor-marketing-tips), [Life Insurance](https://life-annuity-blog.specialtyprogramgroup.com/topic/life-insurance), [Sales & Prospecting Tools for Advisors](https://life-annuity-blog.specialtyprogramgroup.com/topic/sales-prospecting-tools-for-advisors), [Communication Tips for Advisors](https://life-annuity-blog.specialtyprogramgroup.com/topic/communication-tips-for-advisors), [Insurance for Small Business Owners](https://life-annuity-blog.specialtyprogramgroup.com/topic/insurance-for-small-business-owners) No Comments 13 May 2016 **Here are 8 Communication Tips for Insurance Agents to Attract Clients Who Own a Business:** - Use a local phone number instead of an 800 number. - The best time to approach owners is Tuesday, Wednesday or Thursday. - Send a personalized email: - Personalized subject lines indicate that the content is relevant to the owner or business, and increases panelists’ likelihood to open an email. - Send the email from an individual, rather than a marketing inbox. - Send personalized direct mail or letters: Use results-driven language (by doing *this*, you will get *that*). - Hand-addressed card-sized letters are opened most often. - Simplify and speak in terms that are easy to understand. - Incorporate messaging about ROI, rather than price. - Be sure to follow-up: - Follow-up even if you are told no, but provide educational information when you do. - The owner may not buy now, but follow-ups may help you get the business later. - Advise with frequency tailored to their needs. - Use non-evasive regular touches by checking in every 60-90 days after the initial point of contact. - Perform more of a branding call vs. a sales call: **Example:** *“This is John Doe, from Mutual of Omaha, checking on how your business is doing and reminding you that I’m here if you need me. Would you like me to follow-up monthly, bimonthly or quarterly?”* [Read More](https://life-annuity-blog.specialtyprogramgroup.com/8-communication-tips-to-attract-clients-who-are-business-owners) - - [1](https://life-annuity-blog.specialtyprogramgroup.com) - [2](https://life-annuity-blog.specialtyprogramgroup.com/topic/life-insurance/page/2) - [3](https://life-annuity-blog.specialtyprogramgroup.com/topic/life-insurance/page/3) - ### Posts by Topic - [Life Insurance (21)](https://life-annuity-blog.specialtyprogramgroup.com/topic/life-insurance) - [Insurance Industry News (15)](https://life-annuity-blog.specialtyprogramgroup.com/topic/insurance-industry-news) - [Fiduciary (8)](https://life-annuity-blog.specialtyprogramgroup.com/topic/fiduciary) - [Advisor Marketing Tips (6)](https://life-annuity-blog.specialtyprogramgroup.com/topic/advisor-marketing-tips) - [Annuities (4)](https://life-annuity-blog.specialtyprogramgroup.com/topic/annuities) - [Communication Tips for Advisors (4)](https://life-annuity-blog.specialtyprogramgroup.com/topic/communication-tips-for-advisors) - [Retirement (4)](https://life-annuity-blog.specialtyprogramgroup.com/topic/retirement) - [Sales & Prospecting Tools for Advisors (4)](https://life-annuity-blog.specialtyprogramgroup.com/topic/sales-prospecting-tools-for-advisors) - [Advanced Markets (3)](https://life-annuity-blog.specialtyprogramgroup.com/topic/advanced-markets) - [Insurance Products & Solutions (3)](https://life-annuity-blog.specialtyprogramgroup.com/topic/insurance-products-solutions) - [Insurance for Small Business Owners (3)](https://life-annuity-blog.specialtyprogramgroup.com/topic/insurance-for-small-business-owners) - [Long Term Care (3)](https://life-annuity-blog.specialtyprogramgroup.com/topic/long-term-care) - [Retirement Planning Strategies (3)](https://life-annuity-blog.specialtyprogramgroup.com/topic/retirement-planning-strategies) - [Risk Differentiation Underwriting (3)](https://life-annuity-blog.specialtyprogramgroup.com/topic/risk-differentiation-underwriting) - [Tax Season (3)](https://life-annuity-blog.specialtyprogramgroup.com/topic/tax-season) - [Term Life Insurance (3)](https://life-annuity-blog.specialtyprogramgroup.com/topic/term-life-insurance) - [Underwriting (3)](https://life-annuity-blog.specialtyprogramgroup.com/topic/underwriting) - [Annuity (2)](https://life-annuity-blog.specialtyprogramgroup.com/topic/annuity) - [Estate Planning (2)](https://life-annuity-blog.specialtyprogramgroup.com/topic/estate-planning) - [LTC (2)](https://life-annuity-blog.specialtyprogramgroup.com/topic/ltc) - [RMD (2)](https://life-annuity-blog.specialtyprogramgroup.com/topic/rmd) - [Retirement Income (2)](https://life-annuity-blog.specialtyprogramgroup.com/topic/retirement-income) - [Retirement Reform (2)](https://life-annuity-blog.specialtyprogramgroup.com/topic/retirement-reform) - [Tax Planning (2)](https://life-annuity-blog.specialtyprogramgroup.com/topic/tax-planning) - [Advanced Sales (1)](https://life-annuity-blog.specialtyprogramgroup.com/topic/advanced-sales) - [Best Interest Standard (1)](https://life-annuity-blog.specialtyprogramgroup.com/topic/best-interest-standard) - [Business Succession (1)](https://life-annuity-blog.specialtyprogramgroup.com/topic/business-succession) - [Buy Sell Agreement (1)](https://life-annuity-blog.specialtyprogramgroup.com/topic/buy-sell-agreement) - [Financial Advisor Tools (1)](https://life-annuity-blog.specialtyprogramgroup.com/topic/financial-advisor-tools) - [Fixed Index Annuities (1)](https://life-annuity-blog.specialtyprogramgroup.com/topic/fixed-index-annuities) - [ILITs (1)](https://life-annuity-blog.specialtyprogramgroup.com/topic/ilits) - [IRAs (1)](https://life-annuity-blog.specialtyprogramgroup.com/topic/iras) - [Linked Benefits (1)](https://life-annuity-blog.specialtyprogramgroup.com/topic/linked-benefits) - [NAIC (1)](https://life-annuity-blog.specialtyprogramgroup.com/topic/naic) - [Policy Review (1)](https://life-annuity-blog.specialtyprogramgroup.com/topic/policy-review) - [Required Minimum Distributions (1)](https://life-annuity-blog.specialtyprogramgroup.com/topic/required-minimum-distributions) see all - [500 South Main Street](https://g.page/BSMGInsurance?gm) - [Providence, RI 02903](https://g.page/BSMGInsurance?gm) - [(401) 751-9400](tel:401.751.9400) - [(800) 343-7772](tel:800.343.7772) - Fax: [(781) 237-8585](tel:781.237.8585) - [info@bsmg.net](mailto:info@bsmg.net) ### Recent Blog Posts ### Quick Links - > Quotes - > Annuity rates - > Case Studies - > Forms - > Get contracted © 2021 Brokers’ Service Marketing Group. 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