Our Commitment
Service
- + First Heartland Financial Group has a management and staff team with over 100 years of experience
- + First Heartland Financial Group can order your exams
- + First Heartland Financial Group can obtain your APSs
- + First Heartland Financial Group can follow your pending business until placed
- + First Heartland Financial Group has an in house compliance officer
Advanced Sales Help
- + First Heartland management team each have different areas of expertise
- + Advanced sales hotline- nationwide expertise to call on for advanced help*
- + Investment sales desk- analyze brokerage accounts, help with investment case design, product choice, product comparisons or just answer investment related questions*
- + Competitive unit- fair and balanced comparison of different companies products and ratings*
- + Life sales desk- run illustrations, help with life marketing programs*
Marketing Programs that help you sell Traditional Insurance
- + LifeComp- split dollar proposal and administrative system*
- + Lifelinc- wealth transfer marketing program*
- + PAR- Professional Analysis and Review of life insurance*
- + Premium Finance*
- + Private finance- private split dollar for estate planning and private split dollar for cash accumulation*
- + Life settlements*
- + Structured Settlements- structure annuities for settlement of civil suites and annuities that can defer capital gains on the sale of a business*
- + Direct mail lead program*
- + Concentrated Stock*
- + Captive Insurance Company*
Local Alliances
- + Relationships with local attorneys and CPA's that can help with estate and business insurance and taxes**
Introduction to marketing partners
- + Property and casualty agencies
- + Community banks- a broker dealer compliant program that allows you to split a securities commission with a bank
Choice of contracts
- + Offer you a non-captive benefits contract*
- + Independent contract*
- + Over 30 major life carriers
- + Competitive compensation*
Joint work opportunities
- + If you have a specialty or niche that other agents can benefit from, we will promote you for joint work, mostly through CE meetings
Continuing Education
- + CE Meetings 10 times a year, either in classroom or webinar
- + "What's new in our industry" Seminars
- + Our pledge, "CE that brings you good sales ideas."
Benefits of Lincoln Being Your primary Carrier
Premier Partners Program® **
- + Specialized service
- + Stock options
- + Convention trips
Competitive Underwriting*
- + Table shaving
- + Guarantee issue and simplified issue program
- + Non-cigarette tobacco users get standard non-tobacco rates
- + No MD exams
- + Use of exam, blood and urinalysis up to 12 months old
Competitive products*
- + Guaranteed UL, VUL*** and SUL
- + Index Universal Life
- + Competitive term at higher face amounts
- + MoneyGuard- niche LTC product
- + Fixed, Indexed and Long Term Care Annuities
- + Variable annuities***- patented I4Life distribution
Financial Profiles
Independent full service Broker Dealer***
* Offered through Lincoln Financial Group, the marketing name for Lincoln National Corporation and its affiliates.
** Qualification Required. Historical benefits offered.
*** Variable products offered through Representatives of Lincoln Financial Securities