Introducing Vive (The ridiculously fast way to write term life insurance)
First Protective has partnered with the life insurance industry’s most groundbreaking paperless term solution yet – Vive. Vive has disrupted the process of obtaining term life, allowing carriers to issue term policies in a matter of days without traditional underwriting and with no paperwork. We’re asking our producers to give this innovative platform a try, […]
Life Happens
September is Life Insurance Awareness Month. We at First Protective are very proud to partner with Life Happens, a nonprofit organization dedicated to helping Americans take personal financial responsibility through the ownership of life insurance and related products. Like Life Happens, First Protective seeks to remind people of the important role insurance professionals perform in […]
Remembering Calvin Fleming
The First Protective family mourns the loss of long-time friend and valued producer, Calvin Fleming, who passed away on April 12 at the age of 69. Calvin was a great lover of the outdoors, and it is somehow fitting that he passed away while working in his yard, which was one of his passions. Calvin’s […]
How Early Planning for Long Term Care Creates Value for Clients
by Matt Valente, Regional Marketing Director, Lincoln MoneyGuard ® Solutions Whether your clients are pre-retirement age or younger, one of the best ways to help ensure that they plan for long-term care before it is needed is to include it in their retirement planning. Ask your clients this important question. It seems that with each passing […]
What to Expect When Medical Records Are Needed
There are two ways of obtaining medical records when cases are being shopped informally. First, the agent can obtain medical records themselves from the client or from the client’s doctor. A completed First Protective HIPAA Authorization and Informal Inquiry will need to accompany the medical records. All documents must be sent to First Protective as […]
The Evolution of the Indexed Annuity
By Misty McMinn Indexed annuities were created to offer safety and guarantees with a growth potential greater than that of a fixed rate annuity. The originally indexed annuity was simple, basic and easy to understand without a lot of moving parts. The investment options originally were an annual point-to-point with a cap and a monthly […]
Babs Hart, CLTC, MDRT* Spirit of First Protective Winner and Consistent Leader In Long Term Care
by Babs Hart When people ask me why I work with First Protective, I have a simple answer, they help me run my business in a way that is the most efficient. They literally are the back room to my company. I am a small company with one assistant and have been that way for over […]
Divorce: Being Aware of Tax Changes Can Benefit Your Clients—and You
by Doug & Jessica Friedman, National Council for Estate and Business Planning for First Protective October 24, 2018 Oftentimes, divorce is a fact of life – and an unpleasant stage of life that some clients experience. Nevertheless, it’s a phase of living where good advice is essential. Being knowledgeable about recent changes in the tax […]
Gen X and Millennial Need Life Insurance
By Gary Proco Oct. 23, 2018. While there are multiple stages for life insurance, let’s focus on a specific group of people ages 30-50. This age group consists of Gen X and Millennial generations. First, consider income replacement. The size of the loss is equal to the years remaining in the workplace times the expected total […]
Getting Back to The Basics
By Rachel Smith Oct. 10, 2018. Why is our theme Life Insurance at All Ages and Stages? It’s simple, we believe that selling insurance protection products are vital because it protects client’s financial well-being during times of unexpected loss and change, while at the same time giving them additional income options in retirement. While most […]
Planning for the Four Phases of the Business Cycle
Start-Up Phase During the Start-Up phase business owners are typically focused on the basics. Cash Flow, Product or Service delivery, and building their staff. Planning essentials for this phase include: • Health Insurance • Property and Casualty Needs • A Buy/Sell agreement • Loan Indemnification • Key Person Plans These items give the owner the […]
A Real Story of How Life Insurance Makes the Difference
September 19, 1981 to 2018 37 years ago, my dad John Stubbs, Sr. died in a car accident coming home from a USM football game. He was 41. My mom was widowed at 36. My sister was 14, and a freshman in high-school. I was 4. We lost our hero that day. Mom lost her […]
6 Easy Steps to Create a Business Facebook Page
In 2018 if your organization doesn’t have a Business Facebook Page, you are missing out on a great opportunity to market your business and reach your target customer in an untapped pool of prospects. Besides all of the traditional marketing tools, social media marketing has been one of the first picks for small businesses as […]
5 Steps to Promote your Business with Facebook Advertising
Paid advertisements are the “sponsored posts” that display on the right side panel or even sometimes in the timeline of Facebook users. Any post you make on your page can be sponsored to reach more potential customers. The stats are fascinating – there are over 2.2 billion users with the largest percentage – over 80% […]
Life Insurance is Truly for All Ages, Stages and Phases of Life
Life Insurance Awareness Month brings to mind a chance encounter at a wedding reception a few weeks ago. I had not seen Brian in years, so we spent some time catching up. He told me about the terrific life he enjoys, the great business he has built, and how much he and his wife Jane […]
Showing My True Colors
Happy summer, everyone! June 21 marked the summer solstice, the longest day of the year and the official beginning of summer. Alabamians know that summer arrives early here. We’re already getting a taste of the “dawg days” – those wonderful stretches when temperatures and humidity both approach triple digits! After living for years on the […]
Disability Insurance is Personal
First, I want to thank Eric for allowing me to serve as his guest blogger during Disability Insurance Awareness month. My goal is to let you know how important disability insurance planning can be for you and your clients. I would like to give you a couple of ideas to help you and your clients plan for potential […]
Living Benefits Are Real
We hear a lot about changing demographics and the way that increased longevity continues to impact our lives and lifestyles. Just in my lifetime, we’ve seen incredible advances in life expectancy, and I’ve witnessed them firsthand in my own family. When I was growing up in the 1960s, I was fortunate to spend many wonderful […]
Miller’s Musings – Valentine’s Day Edition
Happy Valentine’s Day! 2018 is already off to a furious pace, and my head is spinning as I realize that Valentine’s Day is already upon us. It’s been a while since I’ve updated this blog, so l’ll try to catch up with a little bit about a lot of things! What better time than Valentines […]
What’s New in 2018 for First Protective
Happy Holidays from all of us at First Protective! I can hardly believe that 2017 is nearly behind us, but I count my blessings every day as I celebrate being back in Birmingham as part of the First Protective family. This has been an eventful and rewarding year as I have settled into First Protective […]
What has changed at First Protective by Steve Briggs
The holiday season is always busy – amidst Black Fridays and Cyber Mondays, packed turn lanes getting into the Summit in Birmingham and, often, rude shoppers who will almost take a product out of your hands so they can have it, you may find it challenging to see these holidays – Thanksgiving, Christmas and New […]
A Season of Thanksgiving
As Shari and I settle back into life in Birmingham amid this beautiful fall season, we are reminded every day of all the blessings in our lives. With Thanksgiving upon us, we are particularly thankful for amazing friends and family, including our family at First Protective. The beauty of this fall season was on full […]
Networking and Learning
What a great time to be involved in this business we have all chosen! Just when you think you have the field covered, not only does the field change, but the whole game changes. Where would we be if we were trying to go solo in this endeavor? The past few weeks have been […]
Wentworth By The Sea, New Castle, New Hampshire
We’ve just wrapped up an incredible week in New Hampshire at the First Protective Elite Producer Conference. This was an absolutely amazing conference for me in more ways than I can describe. It was truly a cosmic coincidence that had me hosting this gathering here this week. Shari, Colin and I have spent the last […]
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