Here`s - United Senior Brokerage / Proud partner of One Life America

Report
One Life is established on Christian values that manifest themselves in the way we
conduct business. This unwavering set of core values supports the organization and
ultimately propels us to professional success. The following characteristics are the heart
of our company:
INTEGRITY. One Life is devoted to the utmost standard of integrity. We believe this
commitment is fundamental to the success of our business, as it furnishes our clients
value and financial security.
SERVICE. One Life seeks to be known for extraordinary customer service. Through our
dedicated service, we desire to formulate lasting relationships with our clients that are
built on trust, loyalty and eminent support.
EXCELLENCE. One Life is dedicated to excellence in every area of its corporate
existence. We are committed to providing the very best products and services the
industry has to offer.
TEAMWORK. One Life recognizes the importance of working as a team. In order to
succeed in a brokerage capacity, it is imperative that we operate in an unselfish and
cooperative fashion.
ONE LIFE INTRODUCT IO N
History
• One Life America
• Lead America
ONE LIFE INTRODUCT IO N
Who Are We
• Founded in Meridian, MS in 1984 by Ken Parker
• Over the last thirty years, One Life has experienced
tremendous growth and expanded its agent force to
over 500 agents.
• One Life is now widely considered America’s premier
final expense life insurance company.
• Today, One Life operates all over the country through
its field and call center operation and it offers a wide
variety of products and services to a diverse client
base.
ONE LIFE INTRODUCT IO N
History
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1985 - $312,000.00
1986 - $585,000.00
1987 - $1,000,000.00
1988 - $1,350,000.00
1989 - $1,500,000.00
1990 - $1,800,000.00
1991 - $2,100,000.00
1992 - $3,200,000.00
1993 - $4,100,000.00
1994 - $4,900,000.00
1995 - $7,500,000.00
1996 - $12,059,000.00
1997 - $16,960,000.00
1998 - $19,443,855.00
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1998 - $19,443,855.00
1999 - $21,834,320.00
2000 - $34,103,300.00
2001 - $48,000,000.00
2002 - $51,484,490.00
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2003 - 2009
Sold 20% of all MA business in the US
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2010 - $8,000,000.00
2011 - $10,000,000.00
2012 - $13,519,291.00
2013 - $20,410,493.00
• 2014 Goal - $25,000,000.00
One Life Agent Incentive Program
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Rookie Fast Start Cash Bonus Program
Quarterly Cash Contests
Sales Blazer Program
One Life Incentive Trip
Leaders Club
Presidents Club
Founders Club
One Life Rookie Fast Track Program
New Agents First 12 Weeks Program
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$24,000 = Plaque and $150 Bonus
$30,000 = Plaque and $250 Bonus
$36,000 = Plaque and $350 Bonus
$42,000 = Plaque and $500 Bonus
$48,000+ = Plaque and $650 Bonus
*** Agent must be Active and Producing at the end
of his or her first 12 weeks ***
ROOKIE FAST START AWARD WINNERS
One Life Rookie Fast Track Program
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$34,886.28 Justin Muckle - $250 BONUS
$67,421.08 Robin Cano - $650 BONUS
$63,993.96 KT Tyler - $650 BONUS
$33,212.28 Colby Barrett - $250 BONUS
$44,574.60 Alexander Diffey - $500 BONUS
$57,713.76 Andrew Pryor - $650 BONUS
$41,628.24 Matt Castillo - $350 BONUS
$32,708.52 Ashley Padgett- $250 BONUS
$65,784.32 Kevin McGill - $650 BONUS
$41,104.08 Mike Zaino - $350 BONUS
Highest Earner: Robin Cano $67,421.08 - $650 BONUS
PUSH WEEK CONTEST
ONE LIFE PROGRAM
2014 Quarterly Cash Contest
ONE LIFE PROGRAM
Quarterly Cash Contest
2014 Results
ONE LIFE PROGRAM
Blazer Club
Any agent with $10,000 Production
in 1 week will receive our
Prestigious One Life Blazer
and be welcomed as a member of
the Blazer Club.
ONE LIFE PROGRAM
One Life Convention May 10-14,2015
Five Days/Four Nights
in Lake Tahoe
• Round-trip Airfare for 2 People
• Transportation to Resort
• All Meals & Beverages
• Welcome Reception
• Gala Awards Dinner
• Choice of One Hosted Activity
PRODUCTION UPDATE
Year – to – Date
PRODUCTION UPDATE
Year – to – Date
Registering for agenttrax.net
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ONELIFE AGENTTRAX SALES MANAGEMENT INSTRUCTIONS
CLICK ON agenttrax.net (enter site)
CLICK ON SALES MANAGEMENT TAB
IF THIS IS YOUR FIRST TIME IN AGENTTRAX SALES MANAGEMENT YOU
WILL NEED TO CLICK ON THE TAB LABELED CLICK HERE TO REGISTER.
YOU MUST HAVE YOUR AGENT KEY (AKA – ONELIFE #) TO REGISTER
COMPLETE EACH BOX AND CLICK SUBMIT
ONCE YOU CLICK SUBMIT YOU WILL BE EMAILED A LINK TO CREATE A
PASSWORD. (CHECK YOUR JUNK BOX IT WILL COME FROM
[email protected]) CREATE THE PASSWORD AND CONFIRM IT.
ONCE YOU CONFIRM YOUR PASSWORD IT WILL SEND YOU TO
AGENTTRAX TO LOG IN.
CLICK ON SALES MANAGEMENT (AGAIN) - ENTER YOUR EMAIL ADDRESS
AND PASSWORD.
THERE WILL BE A SCREEN WITH SEVERAL TABS ON THE LEFT HAND
SIDE
AT THIS POINT YOU CAN CHECK YOUR AGENT DETAILS,
LICENSE STATUS, SEE YOUR APPOINTMENTS, OR
ENTER YOUR PRODUCTION.
ONE LIFE UNIVERSITY
ONE LIFE UNIVERSITY
Lead System Agent Hub
Agent Hub Registration Instructions
The steps below need to be used once you have completed the
One Life University Instructions. You will need your Referral
Code and One Life Agent ID number to complete the registration
process.
• Go to http://agents.onelifeamerica.com/
• Select New Agents on the left side of the screen
• Enter your Referral Code supplied by your manager
(MANAGER: MANAGERS REFERRAL CODE)
• Select continue if the Referring Agent is listed correctly
• Complete the personal information page and select continue
• Follow prompts to complete the registrations process
Note: Will need to download Silverlight to
access this website. If you need assistance
please call IT at 800-748-0026 EXT 3344.
Introducing Agent Hub
ONE LIFE PROGRAM
Direct Mail Leads
Sample Lead
Sample Lead
Lead Definitions
• “A” Lead – New lead that has not been issued to
an agent or worked
• “B” Lead – Leads distributed 31- 365 days from
the time issued to an agent, as an A lead, and was
not sold
• “C” Lead – Responders outside 365 days from the
time issued to an agent, as an A lead, and was not
sold
Credit Qualifications
PPL Examples
30A leads X $100 PPL = $3000 Annualized Premium
Example 1:
1 policy @ $250 monthly x 12 months = $3000 annualized premium
= $100 PPL
Example 2:
10 policies @ $25 monthly X 12 months = $3000 annualized premium
= $100 PPL
40A LEADS x $100 PPL = $4,000 AP
50A LEADS x $100 PPL = $5,000 AP
“B” and “C” leads supplement the “A” leads
PPL Scale For Receiving Leads
On The New Free Lead System
How PPL is Calculated
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2
3
4
5
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9
10
11
12
TOTAL
WEEK 13
NEW PPL
40
40
0
10
54
38
45
40
40
38
40
35
420
35
415
0
1
0
0
2
0
2
0
3
0
1
0
9
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9
$3,359.64
$2,691.36
$2,775.00
$1,118.64
$3,846.72
$2,727.92
$4,209.25
$4,924.56
$6,545.63
$2,116.19
$4,100.00
$3,131.15
$41,546.06
$2,005.25
$40,191.67
83.99
67.28
No
111.86
71.24
71.79
107.34
123.11
184.05
55.69
97.8
89.46
101.93
57.29
98.99
NEW AGENTS
• New Agents must submit $2000 Annual Premium
off of “B” and “C” Leads before getting any “A”
Leads
• Note – If there are “B” and “C” leads available in
the areas they work
RE-ORDERING LEADS
You have to wait 7 days to order more leads or turn in $100
PPL for the week.
Example: If you order 30 leads and you turn in $3000 AP then
you don’t have to wait the 7 days.
If you qualify for 40 leads and you only order 20 then the other
20 do not roll over. The count is real time.
How To Turn In Business
• FAX in business daily when possible
• FAX business to 866-357-9442
• You can email to [email protected]
(you must have a One Life Email Address to email
applications to agent services)
• Agent Services Hours are 8:00 AM to 5:00 PM CST
Monday - Friday
One Life Marketing Material and Business Cards
On Line Instructions
We have great news! You can now order your One Life Marketing Materials online and
use your credit card to pay for the Presentation Manual. This will speed up the
processing and shipping so that there is no need to mail order forms and checks and wait
for the Post Office to get it to us. Please make sure to forward this message along to your
down line agents and managers as.
Faxed, mailed or emailed orders of the old forms will no longer be accepted as of
7/14/2014.
Here’s How:
• Click on this link (a “Marketing Materials” tab will soon be on our website)
http://www.onelifeamerica.com/salestools
• You will now be prompted to use a username & password
• Username – olamarketing
• Password – september1supply
*** The password is subject to change once per month and you will be notified of the
new password immediately
One Life Marketing Material On Line
Prescription Drug Card
Presentation Manual & Starter Kit - $50.00
This is where you will order your Presentation Manual with complete with sales presentation, carrier
information, rates, tri-close tablet and delivery notice pad. The quantity drop down menu will allow you to
order from 1-5 manuals at a time. If ordering more than one, please indicate who they are for in the comment
section.
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Click on the Presentation Manual & Starter Kit title
Fill in all required information (if you do not know your One Life ID Number, please contact your
manager)
Make sure to choose the correct quantity as you will be billed $50 per manual
When information is correct, click on “Review Order”
Your information will now be shown. Make sure to check your quantity. If correct, click on “Continue
and Make Payment”
Your total dollar amount that you will be charged is now showing. If correct, click on “Pay Now”
You do not need a PayPal account to make your payment. If you do use your PayPal account, enter you
PayPal account information to login. If you do not have a PayPal account, click on “Pay with a debit or
credit card, or Bill Me Later”
If you are using your PayPal account, complete the payment confirmation
If you are using a debit or credit card, fill in all of you card, personal and shipping information and click
“Pay” at the bottom
• PayPal would like to have you as an account holder. You can either create and account or click on
“No Thanks” to complete the order
You should now see a “Thanks for you order screen”, which indicates that you order is complete
One Life Marketing Material On Line
Reorder Supplies
This is where you will order Tri-Close tablets (for quoting) and Delivery Notice
pads (for leaving on the door if client is not home). These are no charge for
these and you are allowed to order a maximum of two each. Note, if you are
ordering a Presentation Manual, it comes complete with 1 of each the Tri-Close
and Delivery pads.
• Click on the Reorder Supplies title
• Fill in all required information (If you do not know your One Life ID
Number, please contact your manager)
• Enter the quantities of each item
• Click on “Review Order”
• Your information will be shown. If correct, click on “Submit Order”
• You will now see an order submitted message confirming that your order has
been placed
• If you wish to order a presentation manual, click on “Supply Ordering
System” in blue above where is says Reorder Supplies
Carrier Supply Orders
Each of our carries has a variety of different marketing materials that you can order or download
directly from them. Some examples of the supplies are Foresters who has point of sale folders and
Americo who has final wishes books. Below is a list of websites that you can visit for each carrier and
login to the agent portal using your credentials. If you do not know your credentials (username and
password), I have added the phone number directly to their Marketing Department that should help in
finding that information.
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Foresters – www.foresters.com to login to your agent portal. The product that we sell is Plan
Right. For help you can call 866-466-7166
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American Amicable – www.americanamicable.com to login to your agent portal. The products that
we sell are the Family Solutions and Golden Solutions. For help you can call 800-736-7311 ext
3366.
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Americo – www.americo.com to login to your agent portal. The plan that we sell is the Ultra
Protector. For help you can call 800-231-0801 x8410 or email sales [email protected]
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Liberty Bankers – www.libertybankerslife.com to login to your agent portal. The plan that we sell
is the SIMPL Plan. Attached is an order form that needs to be filled out and faxed to LBL for
supplies (fax number is on form). You can print off forms before you have a writing number with
them by going to the website. The login is life and the password is agent.
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Kemper - http://portal.reservenational.com/forms.aspx to see forms buy state. The Plan that we sell
is the GI Whole Life. You can print these applications to use in the field. You can order from them
by calling them at 877-877-0199 or faxing in the attached order form.
Delivery Notice
One Life Quote Sheets
One Life Quote Sheets
Help Desk
• Email [email protected]
• Call IT Support at 866-940-7624
• Hours 7AM to 5PM CST
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FORESTERS
Great rates
Simple application & process
Phone interview with immediate decision on issue
Excellent agent services – get immediate email with certificate #
Get immediate email if there is a problem with an application
(ie. draft doesn’t go through)
• Draft 1-28th or 2nd,3rd or 4th Wednesday of each month
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Foresters Apptical Number - 866-844-9276
Must turn in application whether client proceeds or not
Set as favorites on cell and always use speaker phone
Contest for 2014
AMERICAN-AMICABLE
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ROP up to $20,000 and goes to 85 years old
Simple Application and Process/Easy short app for both family plan Light House
Legacy and Advantage
Phone Interview with immediate decision on issue
Grandchild/ Great Grandchild Rider
ADB Rider up to 80 years. Last until 100 years
Draft 1-28th or 2nd,3rd or 4th Wednesday of each month
Family plan (Lighthouse Advantage) goes from 0-49 (no phone interview from 0-39.
Darren says they will issue these age groups with no problems most of the time?
Daily updates with walk through process (ie. Draft doesn’t go through)
ROP to age 85
Contest for 2014: Kaua’I, Hawaii
AMERICO
• Ultra Protector
• Ultra Protector I
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No phone interview
1st day coverage
ABD rider available
Children’s term rider available
• Ultra Protector II ( 50-80 )
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1st day coverage
ABD rider available
Tobacco is for cigarette smokers only
Smokers are UPII and aren’t competitive with AAI and Foresters
UP II will take Lupus, Parkinson’s, Hepatitis, COPD, Emphazema,
Lung Disease, Some Heart Attach and Stroke cases 1st day full benefit
• Children's term rider available
• Ultra Protector III
• No questions
• 50 – 75 (true guaranteed issue)
AMERICO
• Eagle Series
• Level Death Benefit
• Accidental death benefit rider automatically included for Eagle Premier
Level
• Guaranteed level premiums
• Smoker Definition – cigarettes only. Pipe / cigar or smokeless tobacco
qualify for non-smoker rates.
• Issue ages
• Non-Smoker: 50 – 85
• Smoker: 50 - 80
• 40 – 49 available for companion sale of Eagle Premier Level
• Minimum: $2,000 / Maximum: $30,000
• Commissions paid quick to Agent (within 24 – 48 hours)
• Phone Interview Required
• Entire application taken over the phone – agent only completes worksheet
• Policy will typically be mailed within 24 hours
• Immediate decision and policy # given on phone call
AMERICO
Contest for 2014 - London
LIBERTY BANKERS LIFE
• For Direct Express Payments Only
KEMPER
• True Guaranteed Issue
• No Health Questions
• Ages 40 - 80
• Coverage: $5,000 to $25,000
Gerber
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True Guaranteed Issue
No Health Questions
Ages 5 - 80
Coverage: $5,000 - $25,000
Direct Express, Credit & Debit Cards, Direct Bill are all
excepted
• Rates for checking / savings different from Credit & Debit
Cards and Direct Express
Appointment Setting
The System is the Magic
Prospecting Program
1. We’ve owned a mail house for 22 years targeting the Senior Marketplace for
final expense.
2. We mail in large quantities to ensure that our agents have plenty of fresh leads to
work (average agent at One Life works 30 fresh, exclusive direct mail leads a
week).
3. Our direct mail leads are completely free to the agents!
4. Every agent has their own portal that they log into weekly to place
orders and receive their leads.
• Training Program
1. We have one scheduled conference call per week that will highlight different
training topics.
2. One Life University - Online Training available 24/7 complete with product
information, sales presentations, and various other useful videos.
3. One Life Academy – three day new agent training and orientation held at the home
office in Meridian, MS.
4. National Sales Trainer on staff.
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Recruiting Program
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Opportunity Meetings –to highlight the One Life program to new recruits.
We will host Opportunity conference calls as needed to assist with recruiting.
Career Builder – each post is a descriptive advertisement for career with One Life
Licensed Agent Database (FMG) – We have full access to a licensed agent database
where we can pull list of licensed agents by geographical location, license type (life,
health, P&C, etc.), how long they have been licensed, what companies they are licensed
for and more. This list can be as specific as you would like or as simple as all life agents
in a specific area. There are two ways to utilize this list with no additional cost:
• Email Blast - We can pull your requested list and send a recruiting email in that
area. The campaign will last a full month and each person will receive a total of 4
emails during the course of that month (once a week for 4 weeks)
• Cold Call List - I can pull a list of license agents with you requested parameters and
email that list to you. You can email them yourself, call or send a postcard or letter.
Use the list however you want to generate interest.
• Direct Mail - We will generate a list of licensed agents in a requested area and drop
a postcard or letter explaining the One Life opportunity. This is on a test basis
initially as we gather data for effectiveness
• Craig’s List Ads - Each of you can post. They are free. Work with David Hosch on
content and strategy.
• Warm Market Recruiting - Get Lists from your new recruits. These will always be
our best recruits and agents!!
• Incentive Program
1. Rookie Fast Start Program
2. Quarterly Cash Contests
3. Christmas Cash Contests
4. Distinguished Clubs (Crystal awards, Diamond rings, Rolex watches)
5. One Life National Sales Convention (all expenses paid five-star trip)
• Product Portfolio
1. Foresters
2. Americo
3. American Amicable
4. Liberty Bankers Life
5. Kemper Life
• Commission Program
1. Daily pay from carrier partners
2. Direct deposit into your bank account
3. Day one vesting
One Life Academy
It is finally here! Make registering for the One Life Academy a breeze by registering online
at http://www.onelifeamerica.com/careers/index.cfm/academy/. Make sure to forward this email to all of your new
recruits to who need to register for the Academy as paper registration form are no longer accepted. Below are
instructions.
Paper registration forms are no longer accepted. Those paper forms that were received over this weekend will be
processed. If you do not have a credit or debit card, you can register online and mail a check to One Life – Attention
David Hosch – 3800 Hwy 45 North – Meridian, MS 39301
• Click on this link to go directly to the registration http://www.onelifeamerica.com/careers/index.cfm/academy/
• Click on "Register Now" at the bottom of the page
• Complete the registration form by filling out all blocks making sure to choose the correct date for the Academy
you're attending
• If you do not have a roommate in mind but would like to share a room with someone, please enter
"roommate" in that block and we will select one for you
• Click "Continue" at the bottom of the screen
• You will now be redirected to a "Registration Payment" page where you will select "Single $200.00" or "Double
$100.00“
• Click "Pay Now"
• You have now been redirected to the PayPal payment screen
• If you do not have a PayPal account, click on "Don't have a PayPal account?" and you will be able to pay with
a credit or debit card
Complete your payment information by credit or debit card or by using your PayPal account
You will receive a confirmation call within a few days from the One Life Marketing staff with more information about
the Academy
One Life Academy Dates
Meridian, MS
• October 6-8, 2014
• December 8-10, 2014
• February 2-4, 2015
Scott’s Keys to being Successful
with One Life America
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7-10 Appointments per day
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Ask basics when setting appointments – don’t sell over phone
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Assume sale
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Have box In car with extra applications and supplies – both company supplies and your supplies
(black and red pens, business cards)
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Don’t call see everyone?
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Know your products – product knowledge
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Stay busy – Do Drive By’s / Be persistent and proactive
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Maximize leads
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Assume have a bank account
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Show example of applications
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Ride in car with manager if struggling – don’t be prideful
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Be Honest and Dependable
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Communication is key – PROMPT RETURNED PHONE CALLS and EMAILS FROM YOU
AND US
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Get into a routine (ex. Pull leads on Friday and Saturday and work Monday
through Thursday)
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WORK, WORK, WORK

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