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Our success in life insurance marketing has been attributable to our ability to identify a few, lucrative niche markets and then to equip our agents to exploit those opportunities. As an example, we led the industry in the IRA Alternative and Private Pension markets of a decade ago. Today, we are creating industry-leading opportunities in Wealth Transfer and other niche markets.
We believe that life insurance sales success other than term insurance requires expert marketing. That’s why we have invested heavily in Internet and other technology to create competitive advantages for our agents who must convince prospects that life insurance solves financial challenges.
To create the technology tools our agents use to sell with each day we have created an in-house recording studio, a motion graphics production center and an Internet development division. While these are capabilities not found in typical agencies, they result in the creation of unique and effective tools that help agents sell more life insurance.
As in the annuity sector we are attracted only to high-quality companies which offer quality life insurance contracts. We also prize innovation in life insurance contract design. As an example, Aviva Life has brought its Enhanced Guarantee philosophy to life insurance contracts. They have created universal life insurance contracts that both guarantee interest margins and offer a selection of interest earnings strategies.
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