The average American has 4 credit cards, with approximately $8,400 in debt at a 17% interest rate1. This debt can feel like an overwhelming obstacle to your clients as they save for retirement. Thankfully, you are there to assure them that it doesn’t have to be an obstacle. In this kit, there are options available to help them resolve their debt and save for retirement at the same time. As their financial professional, you can help to guide them through those strategies, with the presentation kit we have created for you here.
Along with the Achieving Retirement Success presentation included here you will also find tailored call prompts, social media posts, and email templates to aid in the virtual connection between you and your clients. Use these tools to show your clients and prospects that you are still here to connect with them, virtually, and ready to strategize with them to reduce the impact of their credit card debt on achieving success in their future retirement.
This video is for agent training only - cannot be shared with consumers.
TAKE NOTE |
At the beginning of the call take the opportunity to ask your client how they are holding up and if the health and safety of their family is intact. In turn, it is your opportunity to offer ways you’ve stayed connected with family/friends while staying home – showcase your compassion and understanding for the difficult environment the pandemic has placed on the economy, communities, and our families.
Cynthia! It's so nice to have you on the phone, it’s been a while since we last spoke. How are you? Family/Friends are staying healthy?
Look at the economic downturn through their eyes. What would be most impactful to them right now and in 5-10 years? Help them to visualize steps that they can take to alleviate financial pressure for the future by resolving their credit card debt (average American credit card debt is $8.4K per household) while also accruing additional savings for retirement.
There are options available to reduce the impact your credit card debt may have on future plans such as using an Employer Sponsored Plan Loan, refinancing debt at 0% interest and saving money pretax, and accruing additional savings for retirement. If any of these options sound like they could work for you, I am happy to help you explore the next steps in more detail.
For the purposes of this initial call, don’t overwhelm your client/prospect with too many details. It is most important to show that you care for the individuals in your community, specifically those who are preparing for or nearing retirement and to offer your expertise and services in ways to help them.
Credit card debt is a struggle for many Americans ($8,400 per household) and now, more than ever, that credit card debt can be a true obstacle in the way of their savings for retirement or otherwise. Make it clear to your client that you have a few potential solutions to help them reduce the impact that their current debt has on their savings and future financial goals.
At this time, provide your client with the opportunity to join your upcoming group discussion, via your preferred video conferencing platform, for more information on this topic [DATE & TIME] or schedule a private meeting to further the conversation you have started today.
I am hosting a live discussion on this topic [DATE] with other people interested in reducing their debt that you are more than welcome to join. And, feel free to extend the invitation to any colleagues or friends who you think would be interested, or I can reach out to them directly. If you are unable to make it, I am always available for a one on one conversation.
Close your conversation by positioning yourself as their resource during this difficult time and by thanking them for sharing their most precious asset with you, their time.
Social media is an informal approach to tease some of the larger topics that you can help with, without going into too many details upfront. Social media will also allow you the insight to see who is interacting with your content and how, potentially providing you with a short list of prospective clients to follow up with personally.
We have created a few social posts for you to utilize in your own marketing on social media platforms to make Achieving Retirement Success more relatable to your different audience pools.
Affiliated agents, please find these posts in the Hearsay library for use on your approved social media sites. Independent agents, you can post these to your LinkedIn, Facebook Business, Twitter or Instagram pages only - please do not add extra comments about the post.
Pull your clients in with these posts and increase your chances of connecting with them in a very real way. Use the contact to set up private appointments or invite them to a group discussion regarding Achieving Retirement Success. By using these social posts to engage with potential clients virtually, you are building your client base in this “new normal” and positioning yourself as a financial professional who pivots when necessary to continue supporting your community.
The email templates included here are intended to aid you in your communication to consumers to attend a webinar, hosted by you. We have included suggested steps below to help you in using them.
STEP 1: Set up a meeting appointment via your preferred video conferencing platform (Zoom, Skype, Ring, etc.) – doublecheck that the time, date, and length of meeting all match what you’re looking to offer your clients.
ESI representatives, be aware of your restrictions for conducting webinars and setting appointments. See ESI Field Notice 2020-06 regarding video seminars, and ESI Supervisory Procedures regarding electronic communications such as appointment setting applications.
STEP 2: Copy and paste the registration link into the [ADD LINK HERE] section on the Invite Email provided
STEP 3: Update the other areas necessary in the Invite Email (date, time, agent name, and contact information)
STEP 4: Submit email and Advertising Submission Form to AdReview@NationalLife.com for compliance approval.
STEP 5: Once approved, send email to prospects and current clients to drive up your audience attendance for your webinar, as well as set up private appointments.
When your clients register via the link you provide them with, they will receive an appointment on their calendar from the video conferencing platform containing all direct link to access the webinar. We also recommend reaching out to your attendees and clients to confirm their registeration and provide a reminder of the webinar information. Use the Confirmation Email provided to provide a direct link to the meeting as well as your contact information. Remember to submit your personalized email and an Advertising Submission Form to AdReview@NationalLife.com for compliance approval prior to sending.
Invitation Email
Cat# 105366
Confirmation Email
Cat# 105368