Providing all the Tools for Your Success! SM

Transcription

1 Providing all the Tools for Your Success! SM

2 Welcome to Pinney Insurance Center, Inc. Education & Support Our approach and strategic affiliations provide an unparalleled combination of service and efficiency, which allow us to focus on helping our partners in five specific areas: 1 Education And Business Development Providing the latest sales concepts and ideas allows our partners opportunities to update their knowledge and provide unique solutions to their clients. 2 Innovation And Concepts Our proprietary sales concepts allow you to offer the best solutions to your clients and make selling easier. Asset Amplifier, Infinite Income, Risk Eliminator, and OPM Finance are just a few examples of our exclusive solutions, all of which are focused on the benefits to your clients. R. Jan Pinney CLU, CHFC, CPCU CEO, President, Registered Principal An author, speaker, consultant, and 35-year Life and Qualifying Member of MDRT, Jan is an active, hands-on, brokerage agency principal. He was the President of the National Association of Insurance and Financial Advisors (NAIFA) for California, is a founder of the National Society of Agents for Consumer Education, and is a member of the International Forum, AALU, and MDRT s Top of the Table. Pinney Insurance Center, Inc. began as the R. Jan Pinney General Agency of Transamerica Occidental Life Insurance Company in Since our founding nearly 40 years ago, we have expanded to a national distributor with thousands of contracted agents and affiliate/partner offices in California, Florida, New Jersey, Mississippi, North Carolina, Oklahoma, Pennsylvania, Texas, and Washington. Headquartered in Roseville, California, we provide a local agency feel with the power of a major national firm. Our agency provides complete support for life, annuity, long term care, and disability business with a focus on methods, strategies, and concepts that will help grow profitable revenue. As a LifeMark Partner and member of the Professional Life Advisors Network (PLAN), we help our advisors and financial firm partners grow their businesses by offering solutions for their clients to protect, grow, and transfer assets. With nearly $300 million in annual life insurance sales, LifeMark Partners leverage the localized marketing expertise and personalized service of our partner agencies with the efficiencies of a single source operation. Specializing in non-traditional distribution channels such as banks, brokerdealers, and professional services, PLAN members have a track record of success with over $100 million dollars of placed life insurance premium in these markets last year. We treat all of our agents, advisors, and financial firms like partners in our business we understand that they are vital to our success. We believe that every interaction and transaction needs to be a win-win-win scenario, where you, your clients, and we all enjoy and benefit from the experience. In fact, our business motto or Formula for Success is based on this ideal: Have Fun + Value People = Make Money. 3 Sales Support We provide sales support and design cases with all of the needed illustrations, sales, and presentation materials. If desired, we even offer point-of-sale support to help you present your most difficult cases. Once a sale is made, take advantage of our premier service team for up-to-date case status and world-class case management. We customize the style and level of communication to your requirements. 5 Products And Carriers Our membership in LifeMark Partners and PLAN give you unparalled access to the top carriers and products. We can and do shop the market to help our partners find the best fit for each client. Pinney Insurance has the expertise and experience to work on virtually any type of case. Some of the most common concepts and strategies we work on are: Life Insurance Reviews Trust Reviews Wealth Transfer Long Term Care Planning Income Protection Director, Advanced Sales Bob began his insurance career as a Group and Pension Manager, eventually becoming Senior Vice President of a Northern California life insurance company. Prior to joining Pinney Insurance, Bob was the West Coast advanced sales executive for the largest brokerage agency in the country. He has been involved in many large, complex cases that included executive benefits, estate liquidity, pension plans, premium financing, and other creative means for obtaining insurance protection at a discount. You will find him to be a valuable resource. Angela Demille 4 Case Management Robert Lindboe, CLU, CHFC Premium Financing Estate Planning Business Planning IRA and Annuity Maximization Operations Manager Angela Demille manages our case managment and processing team. She and her dedicated staff of over 30 highly experienced specialists will help you get your case processed quickly. They also work aggressively with each carrier to get your clients the best offers and allow you to focus on helping your clients... not on processing the paperwork.

3 Products & Carriers Phil Hollenbach Senior Brokerage Director Phil began his career in the life insurance industry as a career agent 12 years ago. His past US Navy service has engrained two of the most critical characteristics in him - loyalty and commitment. Phil works tirelessly to provide solutions by leveraging technology, his vast knowledge of carriers and products, and his home office relationships to find you the best solutions for your clients. His prior healthcare and pharmaceutical industry experience allow him to provide realistic quotes and case design while recommending the most appropriate carrier for final underwriting. Paul Sanfilippo Brokerage Director Paul Sanfilippo came to Pinney Insurance in 2011 with an impressive background with 14 years of industry experience as an Underwriter, Agent Financial Planner and Agency Manager to his position as Brokerage Director for Pinney Insurance Center, Inc. Paul is in charge of developing and maintaining business relationships with brokers, financial institutions and independent channels while utilizing Pinney s full-range of products Policy Assessment, and EZLifeSales.com, the one-stop agent tool for quoting, managing cases and marketing. Premier Service Our broad assortment of carriers allows us to offer thousands of products to help you meet the needs of your client. We represent hundreds of carriers through all lines of insurance, including: Our staff is committed to providing our partners and clients with world-class service. We utilize the latest in technology to support our partners and use industry-standard technology platforms to help us process your business efficiently and obtain the most competitive offer from carriers. Underwriting Expertise Through our Pinney Platform Solutions model, we also offer a broad range of service levels and support that are customizable to fit your needs. Whether it s carrier access, additional product categories, or access to simplified processes and insurance forms, we have the tools you need. Additionally, our on-staff doctor, underwriter, pharmacy technician, XRAE and RSA Medport team of doctors and nurses on retention, make us experts in medical and lifestyle underwriting. By proactively reviewing every case, we ensure that underwriting issues are found early so that changes can be made to get the best underwriting offers available. Due Diligence & Compliance Pinney Insurance takes legal compliance seriously. Our programs are designed to be fully compliant with GrammLeach-Bliley, the Interagency Statement, the OCC, FINRA, SEC, FDIC, state banking regulators, state insurance requirements, and HIPAA. We continually monitor these requirements and adjust our compliance programs as needed based on unfolding and new regulations. We maintain the highest Due Diligence Standards when recommending products and carriers. We look objectively at products, marketing, advanced planning, underwriting, and customer service. Ratings are also very important in our determination of preferred providers. We look for superior financial ratings and a Comdex in at least the top 25%. Combine this with our Medical Director, Dr. Linda Goodwin, and her ability to review and package your most complicated medical cases and you can see how we increase your clients chances of a more favorable offer. With hundreds of years of combined experience, highly-developed web-based solutions, and a vast knowledge of underwriting information, we can find the best solution available for each unique client. XRAE This robust system allows us to instantaneously evaluate a client s medical conditions against published guidance, published best scenarios, and in some instances, unpublished underwriting rules of every carrier in the XRAE platform. RSA Medport The Comdex rating system analyzes all of the financial data and the ratings of the various ratings services. It then ranks the insurers by percentile. Expand your team of advisors by having a team of doctors and nurses on retention. They will complete the client medical interview of the application, document detailed health history, and create medical clarity of client care, and control. This process helps give your client the best possible underwriting outcome. Mike Woods In-house Agency Underwriter Mike and his team take a proactive approach to underwriting and review every case submitted to Pinney Insurance. A highlyexperienced underwriting expert, he and his team are an excellent resource for evaluating impaired risk and complex cases. His extensive knowledge and contacts within the industry afford our partners opportunities to place the most complicated cases. Linda S. Goodwin, MD Medical Director Dr. Goodwin is Board Certified in Insurance Medicine and Internal Medicine, with specialty certification in Geriatrics. She speaks the underwriters language, and her expertise levels the playing field with underwriters and medical directors alike. As a former Vice President and Chief Medical Director of Mutual of Omaha and a former Vice President and Chief Medical Director of Transamerica Reinsurance Company, she is recognized as an expert in all aspects of the underwriting process with particular emphasis on older-age underwriting and risk assessment.

4 Tools for your Success Ryan J. Pinney, CSFP Chartered Senior Financial Planner Director, Affinity Marketing An author, speaker, consultant, and frequent contributor to industry publications, Ryan s primary focus is using financial literacy and education to grow business. As an advisor to some of the top insurance professionals from the nation s most respected firms, he has helped to develop multiple online tools that make the life insurance buying process easier for both agents and consumers. He also leverages his experience in the realm of social media and online marketing to assist agents and agencies alike create their online presence and profit from it. A different kind of brokerage house... Pinney works hard to provide our partners with tools that make insurance easy. Our suite of proprietary solutions include: As you can see, Pinney Insurance Center is truly a different kind of brokerage house. Our Platform Solutions service model, unique sales concepts, and proprietary web-based tools allow you to easily and effectively provide insurance to your clients. And with the help of our top-notch brokerage, underwriting, service, and marketing professionals - expanding your insurance business will be easier than ever. A comprehensilve sales tool that incorporates: Office Locations Built-in client health analyzer Multi-carrier quoting tool A single, one-page, online application for ALL carriers Once an application is submitted, our licensed case managers complete the formal application process and follow the case through underwriting on your behalf. Washington North Dakota Montana Maine Vt. Minnesota Oregon Idaho Wisconsin EZLife Referral N.H. Mass. New York Michigan Wyoming A robust life insurance referral tool that allows for a handsoff sales process. The system is: Conn. Pennsylvania Iowa N.J. Nebraska Illinois Nevada Indiana Structured as a referral to the insurance department Provides real-time basic quotes to your client Del. Ohio Utah West Virginia Colorado Virginia Kansas Missouri Kentucky California Matt Tryon Annuity Brokerage Director Matt comes to Pinney Insurance with 14 years background in the insurance industry. He started his career in 1997 with AIG Life working in the Sales Support and Product Development areas. He then worked in an agency, overseeing all aspects of the life insurance division. In 2004, Matt joined American General as an external first on the life and then on the annuity side. Since then, Matt has worked in various agencies marketing and promoting fixed annuities to independent agents and registered representatives around the country. Matt has completed the Dale Carnegie Presentation course along with getting licensed in all 50 states and has obtained his Series 6 and 63 Securities licenses. Once a referral is submitted, our team of licensed insurance specialists qualify the client, make the sale, and complete the entire application process on your behalf. The consumer generates their own real-time quotes Then selects and fills out an application request form based on the quotes received With the Consumer Life Quoter, requests are forwarded directly to you for disposition. With the EZLife Referral Quoter, the application request form is routed directly to one of our licensed insurance specialists. They then complete the sales process on your behalf. For more information, visit South Carolina Arizona Oklahoma New Mexico Georgia Mississippi Website Quoter or EZ Links These unique web based quoting tools allow you to provide life insurance quotes directly from your website or . North Carolina Tennessee Arkansas Alabama Louisiana Texas Florida Alaska Hawaii For more information about any of our services, please call us or visit us on the web: R.I.

5 2266 Lava Ridge Court Roseville, CA Fax Securities offered thru Transamerica Financial Advisors Inc. A Registered Broker/Dealer, Member FINRA & SIPC Copyright 2011 Pinney Insurance Center, Inc. BKR Kit 10/11