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NFP Life Solutions
If clients are working with you to protect their business and property, then they have a legacy worth preserving. Life Insurance, disability, long-term care and annuities can help you build trust as their advisor —and are complex products that require knowledge, persistence and strong relationships. We collaborate with you to help define the details, demonstrate quality and bring your cases across the finish line. Leverage our collective expertise and experience to deliver solutions for your clients and grow your book of business.
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Life Insurance
Everyone’s legacy could benefit from a robust life insurance policy — but the nuance and details can make for a difficult process to navigate. Show your clients that you care about their future, their legacy and their loved ones. Work with our team to better understand life insurance products, strategies, advanced case designs and the detailed intricacies of underwriting required for successful policy placement.
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Disability Insurance
Whether your clients have built a business empire or are protecting an intimate investment portfolio, a sudden disability can rapidly become a financial nightmare. Income protection is the first step in helping clients establish a solid financial foundation, and can open doors to further opportunities, We’ll help you make certain that your client’s income is secure, while simultaneously diversifying and growing your business through disability insurance sales.
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Long-Term Care
The future may be unwritten but, if we’re lucky to live long enough, we may need some help taking care of ourselves once we get there. The same is true for your clients. We want to make helping your clients plan for long-term care easy, and we’ve developed a process to find the right solution at the right time for any client. Our team provides you with client-facing information, education, case design, competitive analysis, and underwriting. While you provide the trusted relationship with your client for a custom-tailored, cared for future.
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Annuities
Lifetime income provided by annuity products are a valuable and important part of a solid financial plan, as long as you pay attention to the details. Our annuity experts’ extensive knowledge in case design can help you lay out the facts and present the best Fixed Annuity solution for your clients. We are dedicated to continuously developing resources to give you a competitive edge to strengthen your relationships and grow your business.
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Life Insurance
Show your clients that you care about their future, their legacy and their loved ones. Work with our team to better understand life insurance products, strategies, advanced case designs and the detailed intricacies of underwriting required for successful policy placement
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Individual Life Insurance
Everyone’s legacy could benefit from a robust life insurance policy. Show your clients that you care about their future, their legacy and their loved ones.
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Small Business Life Insurance
It all starts with understanding the value and protection needs of your client’s business. Whether it’s a succession plan or making sure key employees are covered, our team will help you create a life insurance plan that is right for your small business client.
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Contact us via email at lifeinsurance@nfp.com if you have questions or need additional information.
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Individual Life Insurance
We want to help make life insurance planning easy and stress free, and we have a process to find the right solution for you and your client.
Referral Model
The referral model allows you to hand off the entire process to NFP's Life professionals and receive commission once the case is placed.
Wholesale Brokerage Model
The wholesale brokerage model allows a licensed life insurance advisor to manage all client interactions while still having back-end support from NFP's Life team.
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Informal Inquiry
By having your client complete our informal inquiry, it allows us to provide you with a client-specific, custom quote based on an informed underwriting evaluation of your client. In addition, the form allows us to order medical records, refine case design and product selection and assist with completing the formal application. Be sure your client signs the NFP HIPAA. If you are a business owner, please complete the supplemental business owner questionnaire to help identify business life insurance needs.
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Carriers & Products
We have access to most major carriers and products on the market today, including life insurance products with living benefit riders for LTC/Chronic illness and Critical illness. Click for a Quick Guide to carriers and products.
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Underwriting
Our in-house underwriting team will help you navigate the underwriting process and answer any questions you or your client may have. If you have a question, Ask the Underwriter.
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Small Business Life Insurance
We want to help make planning for life insurance easy and stress free and we have a process to find the right solution for you and your client.
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Contact us via email if you have questions or need additional information on Small Business Life Insurance.
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Individual Life Insurance Made Simple
Individual life insurance can be a complex financial planning product and we are here to help. We will guide your clients through the various options and take them through the process of selecting a carrier and product that best fits their personal and financial goals.
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The Client Experience
- Complete the form
- An experienced, licensed life specialist will call your client to discuss planning goals and options Then we will:
- Gather preliminary medical underwriting to narrow carrier and product options
- Recommend a carrier and product that is in the client’s best interest
- Schedule a follow up phone call to complete the application
- Monitor the entire underwriting /new business process from start to finish
- Once the case is placed, we will pay you (the advisor) a commission
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Disability Insurance
Income protection is the first step to building a solid financial foundation. We believe in the need to protect one's income and the responsibility you have to ensure your client's income is protected.
We also understand the opportunities you have to diversify and grow your firm's revenue through disability insurance sales; we welcome an opportunity to help you do so.
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Individual Disability
Income protection is the first step to building a solid financial foundation. We believe in the need to protect one's income and the responsibility you have to ensure your client's income is protected.
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Multi-Life Disability
We understand your client's need for disability income protection as well as your firm’s need to diversify and grow revenue. To this end, we have built this Multi-Life Disability Sales Center.
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High-Limit Disability
Pro Financial Services LLC (PFS) is a leading underwriter of specialized disability insurance for top talent in the worlds of sports, entertainment, business and medicine. For over 35 years, PFS has addressed the void in financial plans for highly paid professionals by developing flexible policies that protect assets and earnings of people whose future depends on their continued ability to perform at elite levels.
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Contact us via email if you have questions or need additional Information on Individual DI or Multi-Life DI.
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Long-Term Care Insurance
We want to make helping your clients plan for long-term care easy, and we’ve developed a process to find the right solution at the right time for any client. Our team provides you with client-facing information, education, case design, competitive analysis, and underwriting. While you provide the trusted relationship with your client for a custom-tailored, cared for future.
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Individual Long-Term Care Insurance
We want to make helping your clients plan for long-term care easy, and we’ve developed a process to find the right solution at the right time for any client.
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Group Long-Term Care Insurance
NFP is an industry leader, specializing in employer-sponsored Group Long-Term Care (LTC) insurance solutions. We offer customized solutions for employee benefits brokers, financial services professionals and employers.
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Contact us via email if you have questions or need additional information on Individual LTC or Group LTC.
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Annuities
We want to make helping your clients plan for annuities easy, and we’ve developed a process to find the right solution at the right time for any client. Our team provides you with client-facing information, education, case design, competitive analysis, and underwriting. While you provide the trusted relationship with your client for a custom-tailored, cared for future.
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Individual Disability Insurance
Income protection is the first step to building a solid financial foundation. We believe in the need to protect one's income and the responsibility you have to ensure your client's income is protected.
*For The Standard Forms click here.
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Carriers
E-App Requires login. If you are not contracted, please contact NFP Contracting here.
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We understand your client's need for disability income protection as well as your firm's need to diversify and grow revenue. To this end, we have built this Multi-Life Disability Sales Center. This site is designed to:
- Help with plan design
- Shorten bidding time to bring a case to market
- Provide consultative support without carrier bias
- Negotiate with carriers to obtain the best offer and guaranteed standard issue (GSI)
- Deliver a customizable, brandable presentation
For large case opportunities, NFP also offers enrollment and administrative support through the NFP Executive Benefits platform.
For questions or additional information call 800.262.0781 or email us at multilifedi@nfp.com.
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To start your Multi-Life DI request email the below information to: multilifedi@nfp.com
- Census
- A copy of your company’s current LTD booklet
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Pro Financial Services LLC (PFS) is a leading underwriter of specialized disability insurance for top talent in the worlds of sports, entertainment, business and medicine. For over 35 years, PFS has addressed the void in financial plans for highly paid professionals by developing flexible policies that protect assets and earnings of people whose future depends on their continued ability to perform at elite levels. PFS specializes in developing innovative, unique risk solutions for top talent via exclusive partnerships with Lloyd’s of London. PFS currently underwrites over $5 billion of coverage each year.
"For over 35 years, PFS has addressed the void in financial plans for highly paid professionals by developing flexible policies that protect assets and earnings of people whose future depends on their continued ability to perform at elite levels."
PFS works with professional sports leagues, teams, athletes and coaches to create innovative insurance protection against financial loss due to a myriad of possible events. Today, the majority of teams from the four major North American sports leagues are PFS clients. Our clients also include thousands of individual athletes across a variety of sports, as well as coaches and team executives. Additionally, PFS proudly provides a variety of insurance coverage to collegiate, high school and youth athletes and sport associations/leagues.
PFS also provides a variety of insurance solutions to countless professionals in the worlds of business (executives, lawyers, etc.), medicine (physicians, surgeons, etc.) and entertainment (actors, musicians, studios, etc.). These protection options can be tailored to any highly compensated professional’s needs, or we can work with you to develop larger group plans to cover selected class of executives, employees, etc.
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Services
- High-Limit disability and specialty risk insurance, including:
- Personal income protection
- Contractual commitment coverage
- Cancellation of event
- Accidental death and dismemberment
- Kidnap and ransom
- Buy/sell agreements and business overhead coverage
- Individual policies or group plans
- Primary or excess coverage, as well as medical exclusion buy-backs
- Fully customizable benefits and elimination periods
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Solutions
Some of our client solutions by industry can be found on the PFS website as follows:
Most coverage options are available for individuals or can be tailored to larger group plans. We are confident PFS can customize any solution to meet your clients’ needs and anxiously await the opportunity to work with our NFP broker family. Our product offerings enable NFP brokers to not only generate additional revenue from existing clients, but also acquire new business by presenting the best disability and specialized insurance produce available in the marketplace.
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Contacts
Pro Financial Services, LLC
500 West Madison St., Suite 3260
Chicago, Illinois 60661
Website : www.pfsins.com
Phone: 800.832.8000
312.376.4647
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Individual Long-Term Care Insurance
We want to make helping your clients plan for long-term care easy, and we’ve developed a process to find the right solution at the right time for any client.
Our LTC sales desk can support your individual opportunities with two models: referral and wholesale brokerage.
Referral Model
The referral model allows you to hand off the entire process to the professionals at the LTC sales desk and receive revenue for the referral.
Wholesale Brokerage Model
The wholesale brokerage model allows a licensed life and health advisor to manage all client interactions while still having back-end support from NFP's LTC team.
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Carriers
Stand Alone Carriers
E-App Requires login. If you are not contracted, please contact NFP Contracting here.
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Hybrid LTC/Life Carriers
E-App Requires login. If you are not contracted, please contact NFP Contracting here.
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Group Long-Term Care Insurance
NFP is an industry leader, specializing in employer-sponsored Group Long-Term Care (LTC) insurance solutions. We offer customized solutions for employee benefits brokers, financial services professionals and employers.
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WHAT SETS US APART
- Singular focus on LTC insurance planning solutions
- Multi-life and group life + LTC insurance product expertise
- Market-leading positions with our carrier partners
- Client list filled with Fortune 50 clients, large healthcare systems and prestigious universities
- Turnkey sales, education and enrollment solution
- State-of-the-art technology in email communications platform and online enrollment engine
- Leadership background from national brokerage firms and Insurance companies
WHAT WE DO
Employer-Sponsored LTC Solutions
Sales & Enrollment Management
We developed a highly organized sales and enrollment process. We offer tested, effective communication to enroll employees.
Pre-Enrollment
Dedicated sales and account management
Establish implementation and communication plan
Employer endorsement
Enrollment
Personalized enrollment communication
Multi-faceled educational campaign
Webinars and meetings
Online enrollment
Follow-Through
Dedicated account management
Post-enrollment reporting
New hire and re-enrollments
Ongoing policyholder service
Ongoing Administration & Support
We take on all the heavy lifting, which enables our clients to provide a high-quality benefit without investing significant time and resources.
Administration
Our proprietary online enrollment system enables high-quality service and expert enrollment experience.
Technology-Driven Support
Web-based education, online enrollment, and 1-on-1 virtual consultations with salaried call center consultants.
Data Customization & Security
Data security consistently adheres to mandated industry and client standards.
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The timing is right to have a group LTC insurance conversation. To discuss opportunities, email us at GroupLTC@NFP.com or call Steve Cain at 877.949.4582 x7.
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Long-Term Care Life Insurance Made Simple
LTC insurance can be a complex financial planning product and we are here to help. We will guide your clients through the various options and take them through the process of owning or implementing a plan to protect their lifestyle and retirement needs.
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The Client Experience
- Complete the form
- An experienced, licensed LTC specialist will call your client to discuss planning goals and options Then we will:
- Gather preliminary health underwriting to narrow product options
- Recommend a product that is in the client’s best interest
- Apply all available discounts and explain the favorable tax treatments these plans receive
- Schedule a follow up phone call to complete the application
- Monitor the entire underwriting /new business process from start to finish
- Once the case is placed, we will pay you (the advisor) a referral fee