W E A R E A N AT I O N A L A L L I A N C E O F A G E N T S
WORKING TOGETHER TO PROVIDE
M O RT G A G E , F I N A L E X P E N S E A N D R E T I R E M E N T
PROTECTION TO OUR CLIENTS.
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About Me
 My Name is Robbie Craft.
 In May of 2009 I graduated from NC State with a
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Bachelors Degree in Business Management - Finance.
I met my wife Elizabeth in my Freshman English class
and we got married on June 18th, 2011 in Beaufort, NC.
We currently live in McLeansville, NC.
We love going to Ocean Isle Beach, Beaufort, and High
Rock Lake to spend time with family and friends.
I enjoy making a difference in people’s lives and helping
them plan for their family’s financial future.
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About Me
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Companies I Represent
Mutual of Omaha: is a Fortune 500 mutual insurance company founded in 1909
with over $14.9 billion in assets.
Also known as Transamerica: is a multinational company started in 1906 with over
$31 billion in assets.
Foresters: is a 140 year old company with assets of over $6.2 billion.
Columbian Financial Group: is a reputable company established in 1882 that has
over $1.3 billion in assets.
Baltimore Life: is a 130 year old insurance company with a billion in assets.
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Companies I Represent
With over $24 billion in assets American Equity provides great service and sleep
insurance to Americans.
For over 50 years, Fidelity & Guaranty Life has been a catalyst to help middle
America plan for tomorrow.
National Guardian Life Insurance Company was formed in 1910. Consistently
rated as one of the country’s most successful independent mutual life insurance
companies, NGL received an A- rating from A.M Best.
Founded in 1851, Phoenix is a financially strong and stable company with a
history of keeping its promises. We are committed to excellence in everything we
do, from protecting people and their loved ones and businesses, to helping secure
their retirement dreams.
Forethought Financial group is a diversified financial services organization
dedicated to providing financial solutions for those planning for retirement for
over 25 years.
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Companies I Represent
Kemper Corporation, with $8 Billion in assets, is one of the leading insurers.
Underwriting Companies are A-(Excellent) by A.M. Best Company, the leading
insurance rating authority.
National Agents Alliance Life USA partners with multiple carriers, offering its
agents the flexibility to find the perfect fit for each and every single client.
National Agents Alliance Life USA understands that every person needs coverage
and will work to find the right product for you.
Assurity Life Insurance Company's origins are rooted in a 123-year legacy of
providing long-term security to policyholders, earning generations of customers'
confidence and trust. Assurity’s rating is A – (Excellent) by A.M Best.
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A Little About You
Name & Age
Name & Age
Height & Weight
Tobacco Use
Income
Company
How Long?
Height & Weight
Tobacco Use
Income
Company
How Long?
Mortgage & Monthly Payment
401K, CDs, IRAs, Stocks, Retirement Accounts
Current Policies (Type & Face Amounts)
Major Medications
Major Operations
Criminal or Driving Record
Military Member (orders for deployment overseas)
Children? Names & Ages
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Why Is This Important?
 Most people request information for 1 of 4 reasons:
 They don’t have protection.
 They need more protection.
 They want to leave money behind for a loved one.
 An estate could be in probate for quite some time causing
lifestyle changes . . .
 Why did you send this in?
 To alleviate financial burden?
 To replace loss of income?
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What Is Final Expense?
 A funeral and all it’s expenses can easily total over
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$12,000
Final expense is coverage that alleviates the financial
burden placed on loved ones after the death of a family
member.
The coverage is permanent.
If you qualify, your rate never increases and your
benefits never decrease.
If, for some reason, you were to miss a payment this
coverage contains a cash accumulating account that can
temporarily cover missed payments.
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What Happens Next
1. You will pick the option that best fits you and your
family’s needs.
2. We will fill out the application form and submit the
offer to the carrier that best fits your family’s needs.
3. Some coverage is better than no coverage, correct?
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Your Quote
Option 1
Option 2
Option 3
Benefits
Monthly
Payment
• Are we within range of the budget so far?
• Which Option makes the most financial sense?
• Let’s take a look at their application & see if there’s anything that will keep
you from qualifying.
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Tax Free Retirement
 How much of your hard earned retirement will be
taxed in your current investments?
 If I could show you a way to re-allocate these funds
into a tax free accumulation account with upside
potential and no downside risk would you be
interested?
 Would you want to access your money tax free?
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Safe Money
 How much of your current retirement can you afford
to lose?
 Do you consider yourself a saver or an investor?
 Are you concerned that you will outlive your
money?
 Did you know there is a cash accumulation account
with insurance companies that is guaranteed and
offers up to 10% bonus on your principal deposit?
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Final Questions
 Do you feel good about taking care of your family
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today for ________ per month?
Anything you can think of that would prevent you
from keeping this payment going?
I will call in a couple of days to answer any
questions you might have.
I will personally meet with you to open up and
review your policy with you when it is approved.
Any questions?
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Emergency Response System
 Currently there are an estimated 58 Billion dollars in
unclaimed life insurance money in America.
 Most unclaimed life insurance is from beneficiaries
not knowing that they were a beneficiary on a
policy.
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Emergency Response System is our way of
making sure your death claim will be paid
expeditiously to your beneficiaries.
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Prescription Discount Card
The Prescription Card:
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This card can be used for any prescription that is not
covered by insurance
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Average savings on a medication is 41%
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Free to use, there is no signing up for anything or an
enrollment process
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Helps you save money on pet medications and
diabetes & hearing supplies.
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Always great to hold onto a card. You never know
when you or a family member may have a prescription
that a health insurance plan doesn’t cover
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You are able to enroll and sponsor participants
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Final Questions
 Do you know someone who may be interested in
making an extra $500 a week helping families do
what I just did for you?
 My manager is hiring motivated, intelligent,
people in this area, how can he contact them?
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Agent Resources
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Product Grid
Refer to mobile version on NAAU Educational Resources: Advanced Resources
http://naauniversity.com/underwriting-grid/finalexpense.php
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