“Accidents do kill”

“Accidents Happen” and typically, accidents are out of our control.   In fact, according to the National Safety Council, accidents are ranked as the #1 cause of death for those ages 1 through 42.  Accidents are also the fifth-leading cause of death across all age groups, topped only by heart disease and cancer.  It’s not always the heavy-machinery operators, high rise …

Your Blueprint for a New Year!

Well, here we go again; another year has passed and the hope of the coming year is ahead.  As many of us do this time of year, it’s a great opportunity to reflect upon the successes and challenges of 2017 and look ahead to the opportunities of 2018.  It doesn’t matter what your personal or professional accomplishments were this past …

Ethics First

It seems, during this past year, the Financial Services industry has been under the microscope for inappropriate solicitation and sales of financial products and services.  We know how valuable Payment Protection can be for our customer; however, it’s also a question of ethics; how are we advertising, soliciting and offering protection products?  Years ago selling was characterized by the Latin …

When it comes to Life…Stick to the Fundamentals

One of the greatest football coaches of all time is a gentleman by the name of Vince Lombardi; his record, though impressive, was not all that he was known for. He did create brand and fan loyalty for the Green Bay Packers; however, it was how he lived his life and coached his players, through simple life lessons, that he …

How to Make a “Value” Sandwich

Yes, payment is important; however, it’s not the only thing that matters to your customer when they take out additional debt. As with any “tangible”, or in this case, “intangible” product, the buyer has to experience perceived value.  How do we help establish value; by making a “Value” Sandwich.  Here’s how. First: Having a conversation with your customer will allow …

Back to the Future

Customers are looking for a loan for so many needs; home improvement, purchase of a car, signature loan for various needs, etc.  Whatever their “loan need” is, they are in a “present” state of mind when you help them with their lending need.  They are focused on what they need the money for and certainly not thinking about the future.  …

The Facts of Life

How many times have you been heard, “I have plenty of insurance”? This is perhaps one of the most common objections when offering Payment Protection and yet, a very common myth.  The reality is that having plenty of life insurance has nothing to do for “them”, but what it does for their surviving family. Fact is, life changes constantly and if …

You Never Know

Many people have the thought that if they eat well, exercise daily and live a healthy lifestyle that they are not susceptible to disability or death. This is a myth.  There are so many causes of death and disability and no matter how well your take care of yourself, life happens and we are all at risk.  Also, it’s not …

Identifying Payment Protection Needs

We should never assume that our clients know or understand what Payment Protection is or how they will benefit from it.  Before offering, during the loan application completion, use the time to ask questions that will help your client identify with the importance of protecting their loan, their asset and their family.  If you are asking questions, that’s great, if …

The Affordable “Health Care” Dilemma

A new government and here we go again, another “Heath Care” dilemma.  So much going on that we should take pause and look into what we can do for our clients to ensure they are protecting themselves, their families, and their credit. Understanding the types of insurance* may help your client make the best decision.  Obviously, there are employer plans, …