OUR PRODUCTS & SERVICES

Expert support for your Life, Long Term Care, Disability Income Insurance and Annuity Business

LIFE INSURANCE

LONG TERM CARE

DISABILITY INCOME INSURANCE

ANNUITIES

E-APP/DROP TICKET

Submit an Electronic Pre-Application in less than 10 minutes, and save valuable time 

ABOUT MIKE LOVE INSURANCE MARKETING

 

Our insurance agents depend on us to be their expert advisor for their life insurance, long term care insurance, disability income and annuity business. With over 40 years in Brokerage, we have the experience, resources and carrier relationships that allow us to efficiently and consistently facilitate the sale of insurance giving our agents more selling time. From agent training and case design to underwriting and policy holder service, our agents are confident in the guidance and service they receive through the entire process. Our promise is to earn your business by working hard on every case — doing our best job for your client.

 

A photo of Mike and Kim Love standing in front of the ocean at Jalama Beach

ESTABLISHED IN 1977

TOOLS & RESOURCES

SEE WHAT OTHER AGENTS HAVE TO SAY ABOUT US

OUR TEAM

LET US KNOW HOW WE CAN HELP YOU GROW YOUR BUSINESS.

MICHAEL J. LOVE, CLU CHFC

PRESIDENT

CA License #0626999

[email protected]

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KIMBERLY LOVE

VICE PRESIDENT

CA License #0C89107

[email protected]

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FREQUENTLY ASKED QUESTIONS

This is how most of our conversations get started. An agent calls and we discuss the specific insurance needs, health issues and budget constraints of their client. We direct the case to the carrier and product that best addresses the client’s needs.Our office will run the product illustrations and send them to you with the necessary application forms.

We are more than happy to run product illustrations and email them to you. Or, you can click here to run Term Quotes on our website yourself. Our office will run illustrations for products other than term insurance. Or, if you prefer we can set you up with a link to WinFlex to run your own Term, UL and Whole Life illustrations.

Term Life, Universal Life, Whole Life, Index Universal Life, Annuities, Long Term Care insurance, Hybrid Long Term Care insurance products and Disability Income products.

You will be appointed directly with the carriers you submit business to. We will provide the necessary contracting papers for you to complete. There is no charge to become appointed with a carrier. Commissions are paid directly to you from the carrier.
Call us to discuss the specifics of the case. The more information you have about the specific condition that caused the rating or declination will help. We may ask you to obtain additional information to clarify the issues. We will then request tentative quotes from our carriers. We often find that with the right carrier, we can get a better offer for your client. If the tentative offer is acceptable to your client, they would submit an application to the new carrier.

There are two ways to submit a formal application. A traditional paper application is the old standby. It is still best to use a paper application with business cases, or cases where we have tentative quotes related to a health condition. With the paper application, we have more control over the process. The other option is a Drop-Ticket e-Application. This is an on-line option where the agent completes a short “Request for Interview” form on the computer. This Drop Ticket is transmitted to the carrier.  The carrier will either send a link to your client to complete an electronic application on-line or arrange for a phone interview to complete the application. 

Yes! We can help define the market you want to reach, design marketing materials and provide company brochures. Just call us with your great ideas and we can help make it happen.

Yes. We would love for you to visit our beautiful valley.  Call 1-800-350-6089 to schedule a visit or we can offer suggestions for wine tours.

ARTICLES & INFORMATION

READ THE LATESTS NEWS AND INFORMATION FOR BROKERAGE AND MARKETING

Policy Lapses- No More!

Remember what happened to Universal Life policies written in the 80’s and 90’s? Vanishing premiums that didn’t vanish?  Premium and cash value projections that couldn’t

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REQUEST A QUOTE OR SCHEDULE A VISIT

Please contact us if you need further assistance: