Partner Agent Overview

Transcription

1 Partner Agent Overview

2 WELCOME NEW AGENTS + AGENCIES Introducing RetireCo RetireCo welcomes you as you begin to explore the opportunities available to independent insurance agents and agencies partnering with RetireCo. You are joining RetireCo at a very exciting time as our companies are rapidly growing and expanding across the nation. Over the next several days we hope that your enthusiasm will skyrocket as you learn more about RetireCo and begin leveraging our platform to escalate your earnings. Our Mission Statement To offer all insurance in one place. Our Background RetireCo is a true anomaly in the insurance industry and many of our executive team were once independent agents just like you. We have had the unique opportunity to work in the independent insurance channel as a wholesaler (IMO, GA), a retail insurance agency, technology solution provider and as a marketing vendor. RetireCo is the culmination of these experiences delivering a powerful combination of carrier access, branding, proven marketing and unmatched technology. We deliver the solutions that we feel both consumers and financial professionals need both today and into the future. Our Beliefs We believe that agents and consumers should never be limited to the products of only one company. We provide consumers with a brand they can trust and turn to for all of their insurance needs. And, we celebrate the role of the independent financial professional by providing our agents with everything they need to compete with the big name brands out there today. Our Promise to Our Reps RetireCo was built by insurance agents for insurance agents. We strive to provide our agents with everything they need to be successful in the insurance and financial services industries. We will never limit our reps in the products they can offer their customers. And, we will always support our agents with new and innovative marketing and technology solutions.

3 INTRODUCTION TO RETIRECO Gain Creditability, Maximize Time When you partner with RetireCo you will immediately gain creditability and have access to a proven marketing platform that will set your business apart. You will never waste precious moments of time with unsuccessful marketing gimmicks or completing administrative tasks. Each and every day you will be focused on connecting with qualified prospects and providing them with suitable insurance solutions. As a RetireCo Partner Agent you will provide your clients with peace of mind at all phases of life through a vast array of products and services. We ensure that your clients have all of their insurance in one place, with one agent, you. All of our agent and agency partners are provided with sophisticated tools that enhance communications to their existing and prospective network via relevant online and traditional marketing. These tools are immediately available and easy to initiate within an integrated marketing manager. Each agent can select additional marketing elements to add to both their initial launch and their ongoing monthly marketing efforts. As an agent, all marketing expenses are flexible and optional with deep discounts provided in comparison to traditional third party lead and marketing vendors. Our agents can truly do what is in the best interest of their clients with access to hundreds of top-rated insurance carriers and thousands of products. RetireCo delivers unique marketing platforms customized to reach various target markets in every location. And, we provide our agents with unmatched opportunities, tools and technology. Our product and services are evergreen as our offerings continue to grow. Join RetireCo and you ll have a company backing you with a vested interest in your success. With RetireCo by your side, "You'll Get There. TM

4 NEVER ALONE AND NEVER CAPTIVE Where can an insurance agent or financial advisor be the most successful? You have one life to live and the career path you choose may ultimately determine both your success and happiness. Option #1 - Independent Agent The clear benefit of being an independent agent is the fact that you may be able to receive 100% of your commissions and are able to choose which products you provide. Obviously the downsides include: limited access to carriers, production requirements, limited visibility, unprofessional marketing, unreliable back office support and the lack of a defined marketing platform. And overall, the biggest limitation of an independent agent is time. There simply isn t enough time in the day to be your own office manager, run your business, generate new leads, service existing clients and make new sales to the scale that most agents would like to. Option #2 - Captive Agent Going to work for a national captive agency or financial services franchise provides immediate brand recognition and often includes a basic marketing platform. Naturally, the downside is giving up a large portion of your commission and being held captive to only one company. This limits the products you can offer your clients regardless of their needs. And raises the question of, whether or not a captive agent can actually do what is in their client s best interest. Option #3 - Partner with RetireCo When you become a RetireCo Partner Agent you retain all of the benefits of the independent agent while gaining the creditability, technology and marketing strength of a national insurance firm. RetireCo takes the benefits a step further by providing: institutional grade sales and back office support; industry revolutionizing local and national marketing strategies; access to over 400 carriers with no minimum production requirements; and access to proprietary and ancillary product offerings. As a RetireCo Partner Agent you can actually do what is in your client s best interest every time. You never have to say no when it comes to the products and services that your clients need. If you are licensed and capable of selling a product, you handle the transaction. If you are not licensed or not familiar with a product, you simply refer the business to RetireCo to handle on your behalf. This is the ultimate win-win situation for you and your clients, ensuring maximum cross sales and customer retention.

5 RETIRECO PARTNER AGENTS + AGENCIES Our Business Model RetireCo s business model is designed to provide our agents with the opportunity to earn significant income through the sale of suitable insurance and related product solutions. Our agents have the opportunity to sell or refer an ever-growing number of products and services as an agent. Agents have two opportunities to partner with us. They can become an extension of the RetireCo brand and fully leverage our growing name brand, logo, marketing and collateral materials. Or, they can simply partner with us for carrier access and technology, while using their existing agency name and brand. Either way, we provide full carrier access, top compensation, back office support, unmatched technology, as well as industry revolutionizing local and national marketing strategies. Value to the Consumer As we all know, more often than not consumers buy from brands they know and trust. And, with over 675,000 licensed insurance agents in the United States it is difficult for every independent agent to establish a brand. In the past, that meant that consumers had to select a national franchise or captive agency and give up their access to products they needed and settle for what that organization could offer. RetireCo changes everything. RetireCo is the only true brand name for the independent agent. And, the only company that consumers can turn to when they want access to more than the limited product lines of one company. As a RetireCo Partner Agent you can actually meet your ethical, moral, suitability and fiduciary responsibilities by doing what is in the client's best interest. RetireCo delivers both the brand and all of the products that your clients need and deserve. Annuities, Disability, Life Insurance, Long Term Care Access to over 200 A-rated insurance carriers across all life insurance product lines. Health Insurance Over 80 top-rated insurance carriers and qualified help plans available along with a personalized federal exchange website. Medicare Products Provide the most competitive medicare products in your marketplace with access to a complimentary quoting tool. Property + Casualty Insurance Our P&C division provides access to over 100 carriers for both personal and commercial lines. Living Trusts With our Estate Planning division you will deliver comprehensive solutions inclusive of revocable living trusts. Identity Theft Protection Our ID360 product line features our proprietary Identity Lockdown solution along with ongoing monitoring and recovery services.

6 REVENUE OPPORTUNITIES RetireCo was created by independent agents and we know how to drive revenues. We partner with every agent and have a vested interest in all of our agents success because we are a true sales organization. We only profit when you profit. As a result, we deliver a number of proven revenue generating opportunities. And, we strive to deliver as many prospective clients at as low of a cost as possible ensuring a healthy bottom line. Each RetireCo Partner Agent has the ability to offer all of the approved RetireCo products or services and generate either a commission or referral fee. As a RetireCo agent you have the opportunity to earn the exact same amount that you could as an independent agent working all on your own. Thanks to our institutional grade contracting and experience as a broker, we are still able to profit while paying our agents every single penny of the earned agent commission. Multiple Revenue Opportunities As RetireCo grows and our clients demand more products and services we are adding new revenue opportunities every month. Some of our most popular revenue sources are featured below: Life & Health Insurance Commissions (or Referral Fees) Property & Casualty Insurance Commissions (or Referral Fees) Override Commissions From Sub-Agents (Refer-an-Agent or Build a Hierarchy) Referral Fees From Local Professionals Supplemental Benefit Sales Living Trust Sales Identity Theft Protection Sales We have found that dedicated agents can easily cover all of their expenses while generating a significant income by simply taking advantage of these revenue opportunities. The sky is truly the limit for RetireCo Partner Agents and six and even seven figure incomes are possible for those agents that are willing to put in the effort and leverage all of our solutions. Our agents also benefit from the ability to incorporate additional services, add new products and integrate contacts from all existing relationships. These technology advances make it easy to transition to RetireCo and start generating revenue immediately.

7 CARRIERS + RELATIONSHIPS Life, Annuity, Disability and Long Term Care Insurance RetireCo offers access to thousands of products through our direct contracts and institutional partnerships. As a partner agency, this means that you will have the same carriers, same support and same technology available to you as the agents and advisors working at the biggest name brand firms in the country, while you remain independent. Our technology platform ensures that you have the ability to either request a quote from our experienced team, or run your own quotes in real time. And, you ll find our case management is second to none in the industry, so you can stay focused on new sales while we handle your pending cases. Health and Medicare Insurance RetireCo provides access to the top national health insurance carriers and a selection of both regional and local carriers and qualified health plans. Our experienced team support our agents with the sale of on and off exchange individual health insurance, group health insurance, ancillary/supplemental products and medicare products. Our simple to use online quoting tools, vast carrier access and dedicated support team ensure that you can deliver the best rates across all product lines year-after-year. Property and Casualty Insurance RetireCo provides access to over one hundred carriers for personal and commercial lines for individuals, families and business clientele through our strategic partner, InsureZone. Our agents have the option of being aligned with our property and casualty division in a number of ways: a) Non-Licensed or inexperienced agents will be provided with a customized webpage and dedicated URL for online P&C insurance referrals. b) New and inexperienced agents have the option to participate in our assisted sales platform, with a case manager and underwriter actually submitting bind requests. c) And, experienced licensed agents will have full access to dozens of carriers and markets, with the ability to quote and bind through a dedicated dashboard while owning their own book of business. Experienced agents can also maintain existing carrier contracts, compensation levels and roll books on a carrier-by-carrier basis. Proprietary Products and Services Our agents have access to several proprietary products that compliment their clients insurance needs. Most recently we have added two new products to address estate planning and privacy. Our Living Trust product is an affordable estate planning tool that is created for your clients by our experienced in-house legal team. And, our new Identity Theft Risk Management products provide your clients with discounted monthly identity monitoring and recovery services as well as our proprietary annual ID check up. Fees and commissions are paid for all sales.

8 PRODUCTS + SERVICES Product + Services Annuities + Life Insurance + Disability + Long Term Care Over 200 Top-Rated Carriers All Lines Offered Access to Most A-Rated Carriers Complex Case Design Health + Medicare Insurance Over 80 Top-Rated Carriers and Qualified Health Plans All Lines Offered Access to National, Regional, Local Carriers and QHPs Online ACA Enrollment Tool BOB Reporting Tool Property + Casualty Insurance Over 100 Top-Rated Carriers 3 Distribution Channels Digital Referral (Licensed or Non-Licensed) Assisted Agent Full Service Agent Back Office Support Fully Supported Surety Bond Desk (Licensed or Non-Licensed) Estate Planning Living Trust Sales Trust Review + Services Comprehensive Plans Available Full Training + Support Identity Theft Protection Proprietary Identity LockdownTM Program Credit Monitoring Identity Monitoring Recovery + Resolution Full Training + Support

9 AGENT MARKETING Web Page Each RetireCo Partner Agency receives a complimentary web page linking from our corporate site. Each agent s free web page features a brief biography, full contact information, social media links, a high resolution logo, list of product offerings and contact form. Optional upgrades include: dedicated IT consultation, registration and custom RetireCo domain name, direct-to-consumer sales portals and more. Customized niche landing pages and special project development are also available upon request. Phone Line All of our agents have the option of using a dedicated four digit extension on our toll free line. By utilizing this phone line, our reps have a professional greeting as well as visibility in our telephone name directory and search options. This extension will link to any local phone number selected by the agent allowing for instant call forwarding and voic playback. Premium Packages are available including: Voic Notification via SMS Text Message, Customizable Greeting, Customized On-Hold Music, Additional Number Forwarding and Features. Professional Voice Actor recordings are also available upon request. Contact Management Each agent receives a free contact management tool (CRM) in their agent dashboard to import contacts and manage the entire client lifecycle. Throughout the year, RetireCo provides our agents with a variety of content and media that can be shared utilizing automated solutions. These tools integrate seamlessly with our quoting, case management and communications platforms. Agents are able to upgrade their outbound e-communications to include Professional Facebook pages and fully automated social media content, newsletters, mass media press release distribution and more. Google Enterprise Suite The majority of our agents leverage our RetireCo branding to the fullest by adding our Google Enterprise Suite of online services. This powerful set of tools includes: branded , fully integrated calendar, online shared document storage, web-rtc real time video, smartphone enabled, dedicated Google Plus+ professional page and more. Additional features and add-ons are available providing endless options and expansion.

10 MARKETING SOLUTIONS Dedicated Marketing Liaison Every agent is assigned to a dedicated Marketing Liaison. This team member s sole focus is to ensure that every agent understands all of the marketing available to them and has the ability to generate consistent lead flow. Your Marketing Liaison will help you navigate our evergreen database of marketing materials and solutions. Combined with our state-of-the-art online marketing manager, your Marketing Liaison will ensure that you always have sales opportunities. Professional Marketing Materials Our agents have access to professional marketing materials and collateral that has been designed for use with individuals, families, businesses and niche markets. Our content library is always growing and features prospecting documents, templates, telephone scripts, brochures, booklets, niche marketing campaigns, point-of-sale presentations, office signage, complete seminar systems and more. Much of our content can be printed on demand right from our agent dashboard, ordered in bulk quantities from our corporate store, or downloaded and delivered in digital formats. New content is continually added to our library once it has been proven in the field. Custom Marketing Materials When our agents need a custom marketing piece they simply request a consultation right from their dashboard. Our in-house marketing and creative team will develop the necessary content, ensure adherence to compliance and negotiate any costs associated with deployment. Digital Marketing Suite As we continue to lead the charge in agent technology, we are always developing new ways to meet and communicate with prospects and clients online. Our digital marketing suite continues to grow and features some of the most cost-effective marketing tools available today. From e-newsletters to full social media management and more, you can leverage our economies of scale to deploy powerful online marketing with low costs and no effort on your part whatsoever.

11 MARKETING SYSTEMS Marketing Manager As a RetireCo Partner Agent you can leverage our technology to the fullest through our revolutionary Marketing Manager tool in your dashboard. Each day you can track your personal metrics to find opportunities within your existing network, start new lead generation, upload new prospects or order leads. Proven Marketing Systems Our agents can tap into a growing number of marketing solutions designed to consistently deliver more prospects. From telesales systems to preset appointment programs, we offer solutions for every budget and experience level, as well as product and service selections. Our agents have access to proven comprehensive marketing systems that include everything needed for success. Some of our most popular marketing systems are featured below: Policy Evaluation Program Social Security Tax Reduction Guaranteed Issue Life Products Paid-to-Prospect Systems Our industry revolutionizing Paid-to-Prospect marketing systems are turn key, providing our agents with an opportunity to drive in additional revenue while prospecting for their next insurance client. Each of these programs provides a non-insurance revenue source that segues directly into insurance sales. These systems are not found anywhere in the industry and are proprietary to RetireCo. Two of our most popular systems include: Privacy & Identity Theft Protection Living Trusts & Estate Planning

12 BUSINESS MARKETING SYSTEMS RetireCo Business-to-Business (B2B) Marketing Systems We have spent decades providing insurance solutions to businesses and organizations of all shapes and sizes across the country at the corporate level. And, we are pleased to say that these experiences have led to the development of a true agent-driven B2B marketing system. Leveraging state-of-the-art technology, our agents have the ability to import contact information for local businesses and organizations and immediately deploy marketing campaigns. Niche Marketing Materials RetireCo offers all of our agents the ability to download any of our proprietary marketing niche marketing materials from our shared online document library. These marketing pieces have either been developed hand-in-hand with the legal and compliance departments of the affiliated carrier, or they are universal in nature and cover broad general topics rather than focus on one specific product or carrier. These niche pieces tend to hone in on the most popular topics and create cross sales and other opportunities for the specific type of organization (specific businesses types, unions, employers, member groups, churches, etc). Most agents will immediately find marketing pieces that they can utilize with new prospects, existing clients and a vast number of local organizations. New content is developed every week and our agents find that each proprietary kit can be easily customized online, printed and bound in minutes for delivery to a prospect, client or business relation. Additionally, for a nominal fee we will even handle the printing and delivery of each kit on behalf of our agents.

13 OPTIONAL MARKETING AVAILABLE Direct Mail RetireCo has over fifteen years experience mailing millions of pieces of direct mail. Many of the direct mail pieces in use today were designed, tracked, measured and improved by members of the RetireCo team. We can coordinate a mailing campaign from start to finish including: lead generation, mail design, telephone list, DNC scrub, SAN # acquisition assistance, outbound postage, inbound postage paid reply, USPS integration, scan and upload of returned mail, full dashboard integration and more. Preset Appointments Our top agents will never make another cold call. RetireCo's predecessor company has provided over 100,000 preset appointments to independent agents and financial advisors nationwide over the last two decades. RetireCo can ensure that our top agents meet with qualified prospects in their home at a reasonable cost. Website Lead Generation RetireCo has been building a database of customized retirement and related websites for years that not only promote RetireCo, but also have the potential to funnel leads to our agents. White papers and additional online lead generation continues to create new prospects. In-House Advertising RetireCo has the ability to deliver customized creative solutions for print, digital, multimedia, indoor and outdoor advertising with a strict adherence to compliance. Our team members have worked with Fortune 500 companies and large national insurance carriers. Telemarketing & Phone Services Out-bound telemarketing is provided by our experienced team of business to consumer marketers. RetireCo can ensure that your existing customers, prospective customers and business-to-business relationships are maintained with professional live telemarketers communicating your message. We can also provide instant delivery of pre-recorded voic s and text messages whenever a cell phone number is available. Educational Workshops + Seminars RetireCo works with our partner agents to ensure that their workshops and seminars are a success, providing the highest return on investment. Our high quality marketing campaigns ensure high attendance rates, while our presentation and marketing materials aid directly in recruiting and converting prospects. Promotional Materials As a RetireCo Partner Agency you will have the ability to access our Corporate Store for everything from business cards to comprehensive marketing kits. Additional promotional items include: folders, pens, signage, coffee mugs, client handouts, you name it.

14 TRAINING + SUPPORT Webinars + Conference Calls As an agent of RetireCo you can attend weekly conference calls for all agents and invite-only calls for our top producers. Also, every Monday morning a calendar for the week is ed to all agents with additional topics and daily webinars and conference calls delivered by RetireCo, our strategic partners and insurance carriers. Classroom RetireCo s agents have the opportunity to spend a few days each year learning from experienced financial professionals at our regional offices or at one of several video conference locations nationwide. Ongoing and regularly scheduled webinars are always free of charge as are recorded playbacks available in each agent s dashboard event center. Immersion Education Our agents are all working toward a common goal and in turn, enjoy an open forum to discuss and share sales techniques and success stories. By immersing oneself in a community of like minded individuals, one cannot help but learn valuable lessons and obtain excellent tools. Field Training + Mentoring Agents have the option to request additional training, coaching and mentoring sessions from seasoned financial professionals here at RetireCo. Spend a day in the field with a veteran of in home client appointments. See first hand how an experienced producer presents, gains client trust, and gathers asset and income information without asking all those "sensitive" financial questions. Enhanced Support Our agents have access to enhanced support for complex and unique cases requiring expert advice and third party consultations. The team at RetireCo will always provide an upfront breakdown of proposed commission splits or fees for enhanced support. We can assist with business planning, estate planning, charitable solutions, complex insurance case design and other comprehensive solutions. Training Materials Our agents have access to our online vault of consumer and agent presentations. This library allows you to immediately locate and present pertinent information in a one-on-one setting or in front of a seminar or workshop audience. Best of all, we continue to add new presentations, product training and sales concepts on a regular basis. The HUB Visit our strategic partner Crump Life Insurance Services powerful training center to learn from experts in the fields of Annuity, Life Insurance, Long Term Care and Disability.

15 TOOLS PROVIDED TO EVERY AGENT Contact Information Customized Web Page Linked to Location Map High Resolution Logo Biography Product Offering Contact Information Contact Form Optional Upgrades Business Card Template Professional Design Customization Available Toll Free Phone Line 4 Digit Personalized Extension Call Screening Call Hunt Service Voic to Toll Free Fax Line Fax to PDF Fax to

16 SUPPORT PROVIDED TO EVERY AGENT Back Office Support Institutional Level Support Five Regional Offices Dedicated Team Dedicated Product Specialists Toll Free Hotline Carrier Support Direct Microsites Ratings Incentive Trips Underwriting Tools Disability + Life Insurance + Long Term Care Timesaver System Medical Requirements Online Illustrations + Product Comparisons VitalQuote Term Quoting Software VitalQuote UL Quoting Software EasyQuote Software VitalLTC Quoting Software Custom Illustration Requests Online Licensing + Contracting Dedicated Team ContractNow Online Pre-Appointment One Click Contracting New Business Tools Online Case Status Dedicate Case Manager InsureNow Online Applications FormsNow - online access to all carriers new business, service, all form

17 BENEFITS PROVIDED TO EVERY AGENT Voluntary Benefits Supplemental Benefits Health Insurance Life Insurance Dental Insurance Vision Insurance Living Trusts Identity Theft Protection Discounts Auto Insurance Home Insurance Business Insurance Surety Bonds Additional Benefits Discounts E&O Insurance Continuing Education UPS Mailing Services National Underwriter Direct Mail Telemarketing Technology Carrier Rating Software

18 EXIT STRATEGY Defined Strategy RetireCo employs a unique exit strategy that makes partnering with RetireCo desirable even to those agents that are nearing retirement. Most insurance agents will admit that they do not have a defined exit strategy in place and they realize their book of business is not worth anywhere near what they would like to receive for it. At RetireCo we understand that it can be difficult for an agent to truly exit this industry and as a result, tremendous opportunities are lost via aging agents that service only select clients, and make fewer and fewer sales each year. Add Value to Your Existing Book of Business RetireCo offers a variety of solutions to our retiring agents by providing them with a true business, rather than simply a book of business. By partnering with RetireCo, our agents can potentially enhance their book of business by adding valuable marketing and a brand name presence. Best of all, RetireCo will assist our retiring agents in the process of finding a suitable agent to take over their book. Earn-out agreements, commission splits and commission overrides can be easily structured for retiring agents and the necessary documents are already in place. Seamless Transition Process RetireCo strives to not only provide for our partner agents and agencies today, but also ensure that their future is as rewarding as it can be tomorrow. We make the retirement process a seamless transition and make certain that the timing is precise to maximize our representative's retirement income and earnings.