SLD-U

Prepare for Client Appointment

Customer Needs and Presentation

Client Meeting/Appointment

Know Your Limits (Tax & Legal)

Policy Delivery Key Points

Clients Needs and Objectives Assessment

Communicating with Seniors

High Pressure Sales Tactics / Creating Sense of Urgency

Suitability

Diminished Capacity

Red Flags of Suspected Abuse

Example

Guidelines for Solicitation of and Sales to Military Personnel

Sales Practices (Prohibited vs. Allowable)

Identify the Need for Death Benefit Protection

Determine Death Benefit and Cash Value Needs

Suitability

LTC INS - ADB Riders

Determine Customer's Financial Objectives

Calculate the Need for Annuities

Buying a Qualified or Non-Qualified Deferred Annuity

Protecting Financial and Health Information

Do You Sell Health Plans?

What's Required

Be Licensed and Appointed in the Right State

Being Appointed to Do Business and Maintain License

Professional Liability Coverage

Cautionary Points

Titles with Seniors

Ethics, Meeting, and Training Standards

Customer Information Security Standards

Physical Security and Electronic Records Standards

Agent Security Standards and Reporting Data Breaches

Illegal Trade Practices and Examples of Inappropriate Actions

Do's

Don’ts

New York State Regulation 194 – Producer Compensation Transparency

Telemarketing Solicitation Requirements

Email Marketing

Forms of Payments

Overview

General Guidelines

Advertising Guidelines

Protecting the SLD Brand and Usage of SLD Name/Logo/Image

Use of Professional Designations

General Guidelines for Sales Illustrations

Guidelines for Life Insurance and Annuities

Insurance Fraud

Anti-Bribery & Corruption Policy

Anti-Money Laundering and USA Patriot Act

Handling Complaints and Lawsuits

Comply to Ethical Guidelines

Professional Conduct