1. The LEAP SYSTEM

When using the LEAP SYSTEM (or any other sales presentation), you should:

• Make sure the client clearly understands that he is buying permanent life insurance.
• Make sure the client clearly understands that your proposals are intended to be evaluated for a specific number of years based upon the time frame for the need, goal or objective to be accomplished.
• Avoid using hyperbole, formulae or phrases which might be construed as exaggerations.
• Do not suggest that part of the strategy could involve paying premiums until they "vanish." You should not use that term. Obviously, you can explain to a client that it may be possible at some point to use dividends and/or policy values to pay premiums, instead of paying those premiums out-of-pocket. Of course, you need to explain the effects of such an approach, including the risk that additional premium payments may be required if there are changes in the dividend scale or the interest crediting rate or the policy charges.
• The LEAP SYSTEM cannot be used with registered product sales.

Ohio National is not affiliated with, nor does it endorse or sponsor, any particular prospecting, marketing or selling system.