Referrals: A Critical Part of Your Growth Strategy

There is a quote made famous by American author William S. Burroughs that says, “When you stop growing, you start dying.” While the idea behind this might apply to many aspects of life, it’s perhaps especially relevant when framed within the context of the insurance industry.

Each advisor is unique. Varying skill sets, approaches in process and attitudes allow each of you to build a practice that fits you. However, there are certain practices that are utilized by almost all top successful advisors, one of the most important of these being the implementation of an effective referral process.

Most advisors would agree that finding new clients is one of the more challenging aspects of this business. Simply finding someone who is prepared to have a discussion can prove difficult. Coupled with DNC (Do Not Call) constraints, privacy restrictions and even just the social stigma surrounding the insurance industry, it is sometimes a wonder how an advisor can grow their business at all. What is so striking is that many advisors work so hard to secure a new client, but then fail to utilize that relationship to allow for new clients to follow with much less effort.

When it comes to referrals, most advisors have concerns. In fact, many feel that asking for referrals makes their client feel uneasy. It can also make an advisor feel like a bit of a salesperson and that utilizing this approach might damage the new relationship with their client. An advisor doesn’t want to do anything that may impact the trusted relationship you are building. All understandable and valid concerns. The idea of pulling out a pen and paper and asking your new client for a few names of people that you can approach for a new sale can indeed feel aggressive. We want to treat the client with dignity and respect, and this type of old school approach is not always ideal – so, what’s an advisor to do? Continue reading “Referrals: A Critical Part of Your Growth Strategy”


INFOclip: The Value of Advice

You know this industry inside and out – you’re a pro! In fact, nobody else is as suited to provide sound, up-to-date and in-depth financial planning advice to your clients as you are. However, many prospects continue to seek answers to their financial queries online or even worse, simply forgo financial matters altogether because it is just too daunting to even contemplate.

We’re here to help with this short video outlining the many benefits of working with a professional advisor such as yourself. Be sure to share it with your prospects today to highlight how your advice is not only valuable but can help them achieve their financial goals for today and the future. Continue reading “INFOclip: The Value of Advice”

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INFOclip: The Value of Advice


Strengthening Your Client’s Safety Net with Critical Illness Insurance

Risks are inevitable and in your line of work, you consider risks all the time – after all, your speciality is building the safety net your clients need to protect against associated financial consequences.

This Strengthening Your Safety Net tool will help give your clients some perspective on the risk and economic impact of a critical illness and demonstrate how you can assist in rounding out their insurance portfolio with critical illness insurance.

Share it with your clients or use it to support your next critical illness insurance consultation. Continue reading “Strengthening Your Client’s Safety Net with Critical Illness Insurance”

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Strengthening Your Safety Net



To Freeze or Not to Freeze, That Is the Question

Before we dive into this interesting topic, let’s start with the definition of an estate freeze. An estate freeze is a common planning strategy for business owners to pass the growth of their company onto the next generation and cap the value that will be subject to income tax on the sale of their shares in the company or on their death.

The question of whether to freeze and when, is something your business owner clients should consider.  Many things come into play when deciding when to freeze, including the value of the company, age of the parents who are considering a freeze, as well as the ages of the children to whom the growth is to be passed. Additionally, in today’s market, there are many other reasons to contemplate freezing the value of the company now – has the pandemic caused the value of the company to decline? Speculation that the capital gains rate might increase from 50% to 75%, which would increase the tax liability on death for the shares, is another reason to look at implementation of an estate freeze sooner rather than later. Continue reading “To Freeze or Not to Freeze, That Is the Question”

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Is an Estate Freeze Something I Should Consider for my business?


Insuring Your Client’s Greatest Asset with Disability Insurance

What does your client consider their greatest asset? Home and vehicles are among the most common answers, however, your client’s earning power has the biggest impact on their financial health. More likely, their home and vehicles are ensured, but what about their earning power?

Have a look at PPI’s Insuring Your Greatest Asset tool below, then share it with your clients to give them a little perspective on the importance of their earning power and how to safeguard it.

Continue reading “Insuring Your Client’s Greatest Asset with Disability Insurance”

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What becomes of the broken-hearted? Stress and the Human Heart

The Irish playwright, Oscar Wilde, observed that the heart was made to be broken. Indeed, the experience of being alive is almost certain to contain at least one heartbreak, perhaps even adding to the richness of our humanity or sowing the seed of a future happiness. The medical community has long questioned whether heartbreak or its’ frequent companion, severe or chronic physical or emotional stress, can damage the human heart, the muscle responsible for each life sustaining breath. Let’s take a look at possible answers to those questions. Continue reading “What becomes of the broken-hearted? Stress and the Human Heart”

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What becomes of the broken-hearted? Stress and the Human Heart


SMART TALK… about choosing the right insurance

As an advisor, you know the many categories and variations that exist within insurance – all of it can be quite perplexing for anyone who is not familiar with the insurance world.

This video describes the difference between term and permanent insurance, as well as living benefits like critical illness, long term disability and long-term care in a way that is easy for clients to understand. Share the client-friendly link below with your clients to help them decide which insurance is right for them. Continue reading “SMART TALK… about choosing the right insurance”

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SMART TALK… about choosing the right insurance


SMART TALK… about your insurance options

When it comes to life insurance, the process can be a little daunting, especially for those clients that don’t know what to expect. Needs analysis, the application and underwriting process, payment options… it’s a lot.

Watch this video, then share it with your clients to help them understand the process of purchasing life insurance. Continue reading “SMART TALK… about your insurance options”

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SMART TALK… about your insurance options


SMART TALK… about insurance

You know how tumultuous life can get and insurance exists to provide peace of mind during the toughest of moments. If your client is faced with an unexpected illness, disability or even death, insurance can provide options to cover ongoing expenses or help to build and protect assets that can be passed on to heirs.

Watch this video, then share it with your clients to illustrate the many benefits of life insurance. Continue reading “SMART TALK… about insurance”

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SMART TALK… about insurance