Home » Total Financial

Total Financial

California’s New Disclosure to Seniors Rule is Now in Effect

California’s New Disclosure to Seniors Rule is Now in Effect

Feb. 10 | California’s new requirements apply to the sale, offering for sale, or generation of leads for the sale of insurance and annuities. An agent who meets with a senior in the state of California in the senior’s home is now required to deliver a notice...

Your Fiscal Cliff Deal Cheat Sheet

Your Fiscal Cliff Deal Cheat Sheet

Feb. 10 | The White House and the Senate have finalized the details of the new tax rules designed  to avert the fiscal cliff.  Your quick summary: Reinstatement of 39.6% top income tax rate. Higher Tax Rates on Capital Gains and Qualified Dividends For highest...

Keyperson and Buy-Sell DI available with Ultra High Limits.

Keyperson and Buy-Sell DI available with Ultra High Limits.

Feb. 10 | If you are in the business market, be aware that we have access to high capacity Disability coverage for Key Person or Buy-Sell coverage.   Lump sum payouts from $3MM to $144,000,000 are available.  And we can get coverage issued without exam if you...

60-day Grace Period on new policies in California

60-day Grace Period on new policies in California

Feb. 10 | California life insurance policyholders can benefit from a new law that went into effect on January 1, 2013.   Section 10113.71 of the CA Insurance Code now requires a 60-day grace period on newly-issued policies. Policies must remain in-force for at...

Our Million Dollar Producer’s Guide to Success is now available online

Our Million Dollar Producer’s Guide to Success is now available online

Dec. 17 | Exclusive to our producers, this 24-page reports gives you a quick introduction to several of our most successful sales concepts and marketing ideas – including Premium Financing, Business Market Tools, Executive Guaranteed Issue, Foreign National Markets,...

New Kai-Zen Financing Plan Available for Businesses

New Kai-Zen Financing Plan Available for Businesses

Nov. 4 | Total Financial is offering a fantastic new financed executive bonus 162 plan for the small and medium sized business owner and for professional partnerships. The Kai-Zen plan allows the executive bonus/contribution amount to be matched with additional...

AG 38 Updates

AG 38 Updates

Nov. 4 | As you may have heard, the National Association of Insurance Commissioners (NAIC) has approved changes to Actuarial Guideline 38 (AG 38) to strengthen reserve requirements on secondary guarantee UL products. Many carriers are making changes to their life...

Our Million Dollar Producer’s Guide to Success is now available online

Our Million Dollar Producer’s Guide to Success is now available online

Sep. 14 | Exclusive to our producers, this 24-page reports gives you a quick introduction to several of our most successful sales concepts and marketing ideas – including Premium Financing, Business Market Tools, Executive Guaranteed Issue, Foreign National Markets,...

Total Financial’s Video Gallery is Here!

Total Financial’s Video Gallery is Here!

Sep. 14 | Highlights of our 2012 Success Seminar are now available as video highlights.  This year we presented several excellent sales and marketing concepts to help increase you sales. From the TotalFinancial.com main menu click on Media > Video Gallery –...

Producer’s Guide coming soon

Producer’s Guide coming soon

Jun. 10 | Our Insurance Producer’s Guide to Success – 2012 edition will be out shortly. Designed for agents new to the Total family, will be packed with 20 pages of our top sales ideas and practice enhancement strategies.  Available on our website starting...