Never Fear Rated Cases Again!

How to minimize the chances and ensure your place more rated cases 

What a momentum killer! You work hard for a good case and then you get that message from underwriting that no one ever wants – the policy will require an extra premium. And there goes your momentum.

Rated cases have been the bane of an agent’s business forever. But they don’t have to be. When you know how to set new cases up properly both with the client and the company, you minimize the number you will get and maximize your chances of placing them too. Trouble is, many advisors seem to be at the mercy of these cases and a client’s willingness to accept the extra premium. 

The good news is that SOLIS Founder and Executive Director, Jim Ruta has been helping advisors at all levels handle rated cases and even make more money because of them. He is revealing his secrets at the next SOLIS session. 

Here’s just part of what Jim will cover in SOLIS #14 on Tuesday, March 7^th at 1:00 pm so you never have to fear rated cases again – and may actually want them: 

1. The key agent character trait it takes to be great with rated cases. 
2. Why properly handling rated cases proves your professionalism. 
3. How to set up a sale so that, rating or no rating people stay with it. 
4. How to choose the right carrier for your potentially rated case. 
5. Why not thinking and choosing the wrong carrier can be a disaster – for the client. 
6. Why guaranteed issue and no MIB policies are a good start sometimes?
7. Why pre-underwrite. 
8. Why you don’t want to trigger MIB unless you know what you are doing? 
9. How to avoid the “illustration wars” that make you chase price. 
10. How to explain and present premiums to eliminate the rating problem when it occurs.
11. What price never to present at the start?
12. Why working with a small number of carriers reduces the chances of ratings.  
13. What to say to underwrite to increase the chance of a better price. 
14. What not to say to a client? 
15. Why a rating is a great thing. 
16. What to do immediately upon receiving a rated case notification. 
17. What to do next. 
18. How to negotiate with underwriters and other carriers.
19. What to remember about what a client thinks about a rating.
20. What to know about ratings. 
21. 5 Ways to explain or present a rating in the best light.  
22. How to help a client take advantage of a rating. 
23. Why their doctor can say they are healthy, and they still get rated? 
24. How to compare a rating to minimize the sting. 
25. A funny way to explain a rating… that you’d never use.     
26. How else to maximize the rated case opportunity? Sell family members.

This will be the masterclass on rated cases you never hear anymore and it will help you take ratings in stride. You will learn how to kill the momentum killer cases. 

If you are a SOLIS member, we will see you Tuesday, March 7, 2023, from 1:00 pm to 3:00 pm EST for my detailed presentation on this key advisor sales skill. You’ll get the zoom video and transcript too!  

If you want to subscribe to our monthly SOLIS program and never miss another new session like this one, then be sure you register at www.solisstars.com. Check out our growing SOLIS Board members too!

You can even pay a little extra than the monthly subscription and see not just this program but also get the others including Van Mueller, Sandro Forte, Bruce Etherington, George Sigurdson, Gail Goodman, Bill Cates, Lawrence Geller, Bhupinder Anand, Micheline Varas and others…  

ONE MORE HUGE NEW SOLIS BENEFIT – We have added a 90 Monthly Group Coaching Session to your benefits of membership. Here you can ask any question and get the answers you want – all for the same SOLIS membership. Plus, we include the full Advisorcraft Special Report Library including more than 100 reports on every life insurance agent sales and business-building idea. THERE IS NO OTHER PROGRAM LIKE THIS ANYWHERE.

Our next group coaching session is Thursday, March 23^rd at 1:00 pm. Get your questions ready! 

Join SOLIS soon so you don’t miss any complimentary coaching. 

Be sure to see SOLIS #13 and learn all you need to know about handling ratings professionally and drive up your sales commissions by helping people who need the coverage more than ever.  It’s Tuesday, March 7, 2023. You’ll be sorry if miss it. Register right now at www.solisstars.com . 

REMEMBER: After you register you will be redirected to a special link that includes your personal zoom webinar link. Wait and watch for that redirect and be sure to get your link. 

See you there. 

Jim Ruta BA RHU EPC

Host and Executive Director of SOLIS

President of Advisorcraft Media Group 

Preserving, Promoting, and Propelling the Noble Profession of Selling Life Insurance Advisor