Living Legacy is a whole life insurance plan that allows Seniors to leave a lasting legacy to their loved ones for a period of 10 to 20 years.

1. A Revolutionary Product
For The Senior Market
Presented by:

3. Remember when you received a card in the
mail from your grandparents or other loved
ones and inside was a check? You
probably felt extra special and loved.

4. Most people look forward to
leaving a Legacy. . .
This unique product offers your
client the opportunity to leave a
“Living Legacy”
for many years to come.

5. NOW, your clients have the affordable
opportunity to leave a “Living Legacy” by
providing a gift each year for 10 or 20 years
after their passing. They may choose from
$100 to a $1000 or more…..AND each gift will
be accompanied by a special remembrance
card. This is made possible by a unique
whole life insurance policy underwritten by
Sterling Investors Life Insurance Company.

6. The card that the special person or organization
receives would be a personalized note
from your client.
Happy Birthday
Katie
We love you
so much!!
Grandma &
Pop

7. Inside the personalized card would be a check.
Living Legacy
Grandchild 500.00
Five hundred and 00/100
Grandparent
This is not an actual check

8. HOW AFFORDABLE IS IT?
An example………
Mary Sullivan age 66 would like to provide a loving
legacy for each of her three grandchildren, Bobby,
Christy, and Chad. She chooses to leave each one
a gift each year of $200 for ten years
after her passing.
Mary’s monthly premium would
only be $25.59 per month.

9. “Continuous loving memories
are only made by those who care
about others more than they care
about themselves…”
(author unknown)

10. Agenda
Sales

 Agent Presentation
 Selling Features
Product

 Product Detail
 Application
 Rates
 Website
Leads

 Lead Program
 Appointment Script
Earning Potential


11. Sales ~ Agent Presentation
 Selling to the Heart
 Presentation Goals
 Describe the Product & Features
 Relate it to the Client Through a Personal
Experience
 Determine the gift amount a client would be
comfortable with
 Look at examples

12. Following are two client
presentations available
for your use.

13. A Revolutionary Affordable Gifting Plan

15. Remember when you received a card
in the mail from your grandparents
or other loved ones and inside was a
check? You probably felt extra
special and loved.

16. Now you have the opportunity to leave a
“Living Legacy” by sending a special
remembrance card with a monetary gift of
$100 to $1,000 or more each year for 10 or 20
years after your passing to your
grandchildren, church, friends, favorite
charities, other relatives, or
scholarship funds.*
*certain minimums apply

17. Most people look forward to leaving a
Legacy. . .
This unique plan gives you the opportunity
to leave a loving affordable Legacy for many
years to come.
This is called a

18. A “Living Legacy” creates wonderful and
lasting memories for those people and
organizations special to you.

19. Many proud and loving grandparents are
now establishing an affordable “Living
Legacy” for their grandchildren.
However, there are so many other options:
church, friends, favorite charities, other
relatives, and scholarship funds

20. You don’t have to pick just one.
If you have several special people or
organizations you would like to leave a
“Living Legacy”, Sterling Investors will
divide and send to the beneficiaries the
amount you choose.

22. The card that the special person or organization
receives would be a personalized note
from you.
Happy Birthday
Katie
We love you
so much!!
Grandma &
Pop

23. Inside the personalized card would be a check.
Living Legacy
Grandchild 500.00
Five hundred and 00/100
Grandparent
This is not an actual check

24. HOW AFFORDABLE IS IT?
An example………
Mary Sullivan age 66 would like to provide a loving
legacy for each of her three grandchildren, Bobby,
Christy and Chad. She chooses to leave each one
a gift each year of $200 for ten years
after her passing.
Mary’s monthly premium would only be
$25.59 per month.

25. Here’s how it works . . .
Select an annual gift amount ($100, $200, $500, $1,000 or
1.
more)*
Select a special day for the gift to be delivered
2.
Choose a card to send a personalized message
3.
Apply for the special “Living Legacy” whole life
4.
insurance policy from Sterling Investors Insurance
Company
Upon your death, a check will be sent in a
5.
personalized card each year for 10 or 20 years to the
people or organization of your choice.
*Certain minimums apply. Refer to “Examples”

26. “Continuous loving memories
are only made by those who care
about others more than they care
about themselves…”
(author unknown)

27. Let’s look at some other examples together so
that we can decide how much you
want to leave for your
“Living Legacy”

28. Feel free
to insert
your own
personal
story.

29. Minimum Gift Requirements
For a gift to one individual or entity each year for 10 years the
minimum gift per year must be at least $400 for 20 years the
minimum gift per year must be at least $250.
Separate gifts, for example, to more than one grandchild or entity
can be combined for the minimums required. ($50 increments)
Examples:
2 grandchildren at $200 each for 10 years would = the
minimum of $400. Four grandchildren at $100 each for 10
years would = the minimum of $400
2 grandchildren at $150 each year for 20 years would = $350
per year which satisfies the minimum for 20 years gifts of
$250 each year

30. Sales ~ Agent Presentation
Working With Couples
Choose one person, in most cases it would be the female as they
generally have the lowest premium. Since the insured can be either of the
couple, use the following factors to calculate the lowest premium for your
clients or who is most eligible.
 Age
 Smoker/Non-Smokers
 Health Conditions
 Sex of Insured
As the gift would be from both the husband and wife, a suggested
personal message could be:
With all our love, Grandma & Grandpa

31. Sales ~ Agent Presentation
10 Year Benefit Period
If the premium for the 20 year benefit period is too
high for you client, suggest the 10 year benefit period.
This will reduce the client’s premium.

32. Sales ~ Agent Presentation
Many Grandchildren
What if the client has many grandchildren:
Suggest the children as the beneficiaries and the children
disburse the gifts to the grandchildren.
Leave the total gift to 1 person and for this person to arrange a
celebration of your client’s life each year.
Start with a few of the grandchildren and add the others later as
funds become available.
If both are still living, insure both grandparents,
allowing them to have a higher total gift amount.

33. Sales ~ Agent Presentation
Types of Beneficiaries
If the insured and owner of the policy is the same
person, the beneficiaries may be anyone; however,
the relationship needs to be explained on the
application if it is not a relation.
If the owner/payor is different than the insured, an
insurable interest is required.

34. Sales ~ Agent Presentation
Ineligible Persons
Includes anyone who:
Is incarcerated in a penal institution
Is on parole or released from prison within the last 2 years
Is in a psychiatric facility
Is terminally ill
Is mentally incompetent, who lacks the legal capacity or
mental facility to conduct their own affairs
Has not been a permanent U.S. resident for
at least 12 months

35. Sales ~ Agent Presentation
Telephone Interview
A brief Telephone Interview required for each application. The
interview questions are the same as the application questions.
The PROPOSED INSURED must complete the telephone interview.
Call 1-877-604-5240, Select Option 4, then Option 1. refer to
“Living Legacy Point of Sale Interview”
Hours (all hours in Eastern Time):
Monday to Thursday – 9am to 7pm
Friday – 9am to 3pm

36. Sales ~ Agent Presentation
Telephone Interview (cont.)
During the Telephone Interview process, the Interviewer may need
to ask additional questions to confirm a health condition. Once
the application is received at Sterling Investors Life Insurance, the
company will perform a prescription drug check to verify that the
insured is not taking any medications that conflict with the health
questions. No MIB is performed. Issue turn around is 24 hours for
clean applications.
It is highly recommended that the telephone interview is
conducted while the agent is still in the client’s home.

37. Sales ~ Agent Presentation
Effective Date of the Policy
The effective date of a policy can be the issue date or the
client may select an effective date. If an effective date is
not selected, the policy issue date will be the effective
date.
The bank draft date for monthly direct debit will be the
effective date of the policy. If the policy has not been
issued before the effective date of the policy, the bank
draft will occur as soon as the policy is issued for the first
premium deduction.

38. Sales ~ Agent Presentation
Personalized Message Suggestions
For The Gift Card
Birthday:
From the day you were born ,my life has been filled with endless joy
Each birthday is a reminder of how much I love you
Hope your birthday is filled with unending happiness
Christmas:
Christmas with you was always magical
Merry Christmas with all my heart
Wishing you a wonderful Christmas and a Happy Year

39. Sales ~ Agent Presentation
Personalized Message Suggestions
(cont’d)
With Love:
From the moment you grabbed my finger, you filled my life with love
You brought such love and joy to my life
You will always be in my heart
On Your Special Day:
Your special day was one of the happiest in my life
Hope all your dreams come true on this very special day
Hope you have a terrific day on this special occasion
In Memoriam:
Always in my heart
My life was blessed
To continue our mission

40. Sales ~ Product
 Specification
 Advancing / Commissions
 Application
 Ineligible Person
 Telephone Interview
 Effective Dates
 Rates
 Supply Order Form

41. Living Legacy
Brochure

42. Living Legacy
Product
Overview

43. Leads
Lead System
Living Legacy. . .
 is a natural lead generation
 no need for expensive lead systems
 natural addition for a current client
 never ending referral stream
 additional sales for additional gifting opportunities
 is a “door opener” product for Medicare
Supplement, Medicare Advantage, Final Expense, Long
Term Care, etc.

44. Leads
Sales Methods
Other Prospecting Ideas . . .
 Local Newspaper
 Radio & TV
 Direct Mail
 Senior Seminars
 Agent Website

45. Living
Legacy

46. What’s Next ??
 Questions
 Complete your contracting
 Start contacting your existing clients

47. Frequently asked Questions
Can my policy ever be cancelled

No, as long as you continue to pay your premiums
Can the annual premium ever increased

No
Can I add more beneficiaries to the policy after it is issued

No, however, you can apply for an additional insurance policy
What happens if my beneficiary dies before me

The money would go to the beneficiary’s estate
Can the check and card be sent for several occasions

No, only one event/date per policy

48. Living Legacy
A Revolutionary Product
For The Senior Market