News from Professional Mass Marketing International, Inc.

Domestic U.S. coverage does not cover its policy holders well (if at all) outside the U.S.
Domestic U.S. coverage usually requires that the policy holder live in the U.S. a minimum of 6 months out of the year.
International groups, like Multi National Corporations, Missionaries, Marine Crews and Private Yacht Owners have a tough time getting domestic health coverage.
Medicare won't usually pay for claims incurred outside the U.S.

International Medical solves these problems. And IMG is the Nation's premier player in International Medical.

I invite all Insurance Producers to contact us on how to add these invaluable products to their portfolio.

(800) 881-PMMI (7664)

Cordially,

Bob Neumann, CLU, RHU,President

The Paramed Ruins it Every Time!

O.K.

Maybe the title of this article is a bit of an exaggeration.

But who in the life insurance business hasn't been burned by a bad para-med exam?

I mean, the client looks great on paper. He goes for his regular visits. His blood pressure and cholesterol are in check. He only has one speeding ticket in the last five years.

So you write your standard "go to" Term Life product and schedule the para-med.

And that's where the trouble starts. He cancels the para-med twice, citing scheduling conflicts.

Two weeks go by.

Finally, the third time is a charm and after 2 weeks of waiting, the examiner comes out to draw blood, check his vitals and have your client urinate in a cup. If he's lucky, he avoided the EKG.

An after waiting a week for the results, bam!

He forgot to fast the morning of his exam and gets declined because his blood sugar read high. (Or any number of reasons that can cause unreasonable table ratings or declines.)

Do you think your client is happy after he thinks you wasted a month of his time to put a decline on his record? What are his chances of getting Life Insurance from another company now?

Admittedly, this is still the only way to do it for high face amounts, like $1,000,000.

But what if there were a better way to write small amounts for a minimal price difference?

There is!

Non-Medical Term life insurance is the hottest thing out there right now!

And PMMI has the best Non-Medical Term and Whole life products out there.

Our Non Medical Term life insurance can be written up to $350,000, and our Non Medical Whole Life up to $99,999.

It's fully underwritten to keep the rates competitive, but the insurance company stops at an MIB, Script and DMV check. There's no medical exam to take!

I invite you to call for quotes and appointments. The small additional cost is worth it!

(800) 881-PMMI (7664)

The Truth About Leads Will Set You Free!

Many brokers and agents feel that if they can't close most every single lead they buy, they're wasting their time and money. After all, leads can be very expensive and time consuming.

This couldn't be farther from the truth.

While leads do not necessarily translate immediately into more profit, they are one of the best business building tools available.

How is this possible?

The concept is simple. Use the few leads you do close to build your business. On average, every Lead you close will result in 2-4 referrals per year if you work them correctly.

Here are some ideas:

Ask for referrals from every lead you speak with.
Sell a package deal to improve credibility and retention.
Try offering service over price (don't be fooled. If they've been online, they already know the price)
Create a professional email campaign, sending a minimum of 1 email per month to every single lead you purchase, whether or not they buy.
And of course, separate yourself from the crowd. The lead will probably be hearing from multiple agents.

One point to consider: There is rarely such thing as an exclusive lead.

How so?

Even if your lead source only sells their leads once (or says they do), I promise you the prospect has probably filled out their information with other sources.

Or potentially that "exclusive" lead service bought the lead from someplace else that already sold it elsewhere.

Also, not all leads are created equal.

Look for leads that came from people actually searching for your products and services! Leads produced through SPAM, surveys and flashy pop-ups promising a free trip to the Bahamas or an ipod cost less, but overall prove to have poor conversion rates and retention.

To conclude, leads are not for everyone. Working with leads requires a vision for the future, an ability to work them quickly and well, and a certain level of patience that not everyone has.

(800) 881-PMMI (7664)

Attention Opportunity Seekers!

Short Term Medical sales are on fire!

We're seeing an exponential increase in STM sales from a group of creative thinkers who've figured out how to successfully target areas with Heavy Layoffs.

Now Macy's just joined the many large corporations who are announcing thousands of layoffs.

Do you have what it takes to earn a lions share of this emerging market?

(800) 881-PMMI (7664)

No matter what your need, PMMI has you covered.

Sincerely,

Bob Neumann, CLU, RHU

President & CEO

Professional Mass Marketing International, Inc.

FREE WEBSITE*	For a limited time, PMMI is offering free websites that feature our online products with you as the agent. Be one of the first to take advantage of this opportunity while we test new marketing opportunities. *Must be contracted with PMMI for any products offered on the site. Call or click here for our agent service center for details. (800) 881-PMMI (7664)
Expires March 31st, 2009