Maria Camacho Page

Senior Life Insurance Company

With Maria Camacho

Maria Camacho | Palmera Group

SOBRE NOSOTROS

Palmera Group fue fundada por María Camacho, es una agencia que va en pro y en función del desarrollo de Agentes de Seguros a Nivel Nacional y en su idioma.

Es tan importante para nosotros que el Agente de Seguros se sienta placido con el entorno y así tener un desempeño eficaz, en todo lo que tiene que ver con un sistema estratégico de ventas, el cual ya se encuentra probado y comprobado por nuestra Agencia.

Sentimos pasión por atender a nuestro Clientes y su satisfacción es la nuestra.

Definitivamente al Asociarnos con Senior Life Insurance Company ha marcado un antes y un después en nuestro crecimiento, hemos entendido como podemos ofrecer a nuestros Agentes no sólo un excelente sistema de compensación, sino la manera como podemos crecer juntos, desarrollarnos profesionalmente y obtener esa Autonomía financiera que todos buscamos, enfocados en la especialización.

Lograr metas trazadas, recorrer un camino juntos, ese acompañamiento necesario para desarrollar Top Producer, Manager, realmente nos apasiona, que nuestros agentes sientan que somos una gran familia!

“El éxito es conocer tu propósito en la vida. Crecer para alcanzar tu máximo potencial y sembrar la semilla que beneficie a otros.”

– JOHN C. MAXWELL

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QUE HACEMOS

En primer lugar, somos agentes como usted. Así es: nuestro socio, Senior Life Insurance Company, está dirigido por agentes. No abogados, actuarios, contadores, gurús financieros o cualquier otra persona que nunca haya vendido una póliza de seguro de vida. Los agentes son las personas más importantes aquí, y sin agentes, no existiríamos.

¿Interesado en aprender más sobre nosotros? Haga clic en el botón proporcionado a continuación.

CÓMO LO HACEMOS

NUESTRO SISTEMA PROBADO

Nuestro sistema es tan fácil que cualquiera puede seguirlo. Con este sistema, puede desarrollar una carrera gratificante, tener la opción de trabajar desde casa y ayudar a las familias de todo Estados Unidos a garantizar la tranquilidad. No se requiere experiencia, y nuestro Home Office está aquí para ayudarlo en cada paso del camino.

Horario flexible. No hay llamadas en frío involucradas. Sí, es realmente así de simple.

  1. Tomar leads
  2. Hacer presentaciones
  3. Ganar dinero
number one
Tomar ventaja
number one
Hacer presentaciones
number one
Ganar dinero

Lo que hace que nuestro sistema sea tan bueno es la simplicidad detrás de él. Tu trabajo es simple. Tome las riendas, haga presentaciones a las personas que solicitaron nuestra información y realice ventas. Esta es una carrera gratificante en la que puedes marcar la diferencia en la vida de las personas.

NUESTRO PROCESO

Nuestra tecnología

Nuestra tecnología innovadora le acerca a los clientes interesados. Utilice nuestro sistema de aplicación sin papel para guiarlos hasta el final. Es así de simple.

Leads the Way app

Leads the Way

Con la aplicación Leads the Way, los clientes responden a los anuncios nacionales de Senior Life Insurance Company. A partir de ahí, se envían notificaciones en tiempo real a su teléfono. Puede elegir vender al cliente allí mismo por teléfono o recibir instrucciones para llegar a su casa. No tiene que preocuparse por coordinar citas o encontrar nuevos clientes potenciales.

Leads simplificados, la vida simplificada.

La aplicación SLICE

SLICE App gif

Con nuestra aplicación SLICE, puede enviar negocios directamente a la oficina central. Siéntese y relájese, sabiendo que su negocio se ha enviado al instante y sin errores. Presente y califique a su cliente y elija el mejor producto para ellos. Luego, la aplicación se asegurará de que su aplicación sea precisa. Una vez que su cliente haya firmado, puede enviar su negocio y ser elegible para el pago el mismo día.

Todo a tu alcance. Todo en cinco minutos o menos.

100% health benefits

Mentorías ejecutivas

access to legacy assurance benefit

Soporte de oficina

Propiedad de acciones

ring club

Club de Anillo

millionaire's club benefit

Club del Millonario

rolex club benefit

Club de Rolex

NUESTROS BENEFICIOS

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Viaje de incentivo 2023: Por Anunciar

¡Senior Life Insurance Company anunciará su viaje de incentivo para 2023 pronto!

¿Interesado?

¡Conviértete en un agente!

Al enviar mi información, proporciono mi firma electrónica como indicación de mi intención de dar mi consentimiento para recibir información de marketing en el número de teléfono y correo electrónico que he proporcionado.

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BORN TO WIN

A Message From Ron Powell, President & CEO

Lesson 1

Background

Recognizing the need for a more comprehensive anti-money laundering regime to fight drug trafficking, organized crime, and international terrorism, the U.S. Congress passed and President George W. Bush signed into law the USA PATRIOT ACT (Patriot Act), which, among other things, amended the Bank Secrecy Act (BSA) to require all businesses defined in the BSA as financial institutions to implement an Anti-Money Laundering (AML) program and report suspicious transactions to the Financial Crimes Enforcement Network (FinCEN). An insurance company is defined as a "financial institution." The characteristics of financial products, including certain life insurance products, make them potentially vulnerable to those seeking to launder money. FinCEN relies upon a network of state, federal and international law enforcement agencies to collect, analyze and disseminate information about money laundering. FinCEN is also the repository for all Suspicious Activity Reports (SAR).

Bank Secrecy Act (1970)

The BSA grants the Treasury Department the authority to require firms under its jurisdiction to develop written policies and employee training programs for compliance with the provisions of the BSA. Additionally, the reporting and recordkeeping rules within the BSA require a financial institution to:

  • Maintain certain records in order to allow investigators to trace transactions.
    • Maintain certain records in order to allow investigators to trace transactions.
    • This includes information such as the identity and address of the participants in a transaction.
    • The legal capacity in which a participant in a transaction is acting.
    • The identity of the beneficial owner of the funds involved in any transaction.
    • A description of the transaction.
  • File a Currency Transaction Report (CTR) with the Internal Revenue Service (IRS) for each transaction in currency of more than $10,000. The types of transactions include: deposits, withdrawals, or currency exchanges in an amount exceeding $10,000.
    • For purposes of the CTR, multiple transactions taking place on the same day, for the same person, and the at the same financial institution count as a single transaction; this is known as the Aggregation Rule.
  • File a Report of International Transportation of Currency or Monetary Instruments (CMIR) when the amount of currency or monetary instruments transported into or outside of the U.S. exceed $10,000. Monetary instruments include any traveler’s checks or other checks, securities, or stocks that have been signed over or are otherwise in such a form that ownership goes to the bearer.
  • Maintain information concerning sales of monetary instruments purchased with cash in amounts from $3,000 to $10,000 to prevent structuring transactions.
  • Keep records for any transmittal of funds over $3,000 (the "Travel Rule").
  • Certain financial institutions must file a Suspicious Activity Report (SAR) for any suspicious transaction or activity.

USA Patriot Act (2001)

On the heels of the terrorist attacks on September 11, 2001, the Patriot Act was signed into law to combat terrorism. The Patriot Act gives law enforcement agencies broader powers in dealing with money laundering and terrorism, and makes it more difficult for money launders to use their traditional financial channels to launder money. The Patriot Act created new anti-money laundering responsibilities for insurance companies.

Money Laundering

Money laundering is the illegal practice of placing money gained from criminal activity, "dirty money," through a series of apparently legitimate transactions in order to hide the criminal origin of the money. The goal is to make money from criminal activity appear to be from legitimate sources. Money is usually associated with cash though non-cash transactions can play a role. Any financial transaction can be a part of the process to hide the origin of the money

Mechanics

Although money laundering is a diverse and often complex process, it basically involves three independent steps that can occur simultaneously, separately or overlap.

  1. Placement. This is the first step in the washing cycle. Money laundering is a cash intensive business, generating vast amount of cash from illegal activities. The monies are placed into the financial system or retail economy or are smuggled out of the country. The aims of the launderer are to remove the cash from the location of acquisition so as to avoid detection from the authorities and to then transform it into other asset forms. A common method is “structuring” which breaks up the currency transactions into portions that fall below the reporting threshold. Examples for disposal of bulk cash include:
    • Payment of premiums on life insurance policies or annuity contracts;
    • Large number of transactions;
    • Using cash;
    • Using cash equivalents;
    • Not using normal banking channels.
  2. Layering. In the course of layering, there is the attempt at concealment or disguise of the source of ownership of the funds by creating complex layers of financial transactions designed to disguise the audit trail and provide anonymity. The purpose of layering is to disassociate the illegal monies from the source of the crime by purposely creating a complex web of financial transactions aimed at concealing any audit trail as well as the source and ownership of funds. Examples of layering include:
    • Multiple transactions
    • Purchasing financial products such as life insurance and annuities
    • Cash transfers
    • Currency exchanges
  3. Integration. Integration is the final step in the process. It is this stage at which money is integrated into the legitimate economic and financial system and is assimilated with all other assets in the system. Integration of the "cleaned" money into the economy is accomplished by the launderer making it appear to have been legally earned. By this stage, it is very difficult to distinguish legal and illegal wealth. Methods popular to money launderers at this stage are:
    • Purchasing legitimate businesses
    • Borrowing against insurance policies
    • Termination of insurance policies
    • Early termination of annuities

Ramifications

Penalties for money laundering can be severe. Fines could be twice the amount of the transaction up to 1 million dollars. Any property involved in the transaction or traceable to the proceeds of the criminal activity may be subject to forfeiture. Individuals are subject to prison terms for being willfully blind to the fact that the transaction involved illegal funds. In addition, insurance companies risk losing their charter, and agents risk being removed and barred from insurance. Insurance companies have their own disciplinary policies and procedures.

Agents not complying could be subject to disciplinary action up to and including termination and will be reported to the proper legal authorities. To protect yourself from a willful blindness charge:

  • Report suspicious behavior to the Senior Life Market Compliance Department and keep documentation of communication;
  • Know your clients; and
  • Stay alert for any suspicious behaviors.

Reputational Risks

One of the most harmful outcomes from involvement in a money laundering investigation is damage to the agent and insurance company's reputation. Being aware of and following money laundering requirements helps protect our most valuable sales tool, your reputation.

As an agent, you're able to purchase a Senior Life business cards. Each set contains 500 business cards and is $32. If you've met your production quota, then you may order these cards for no charge. To order business cards, please download the form linked here. This form can also be found on our Agent Resources site. Once you've downloaded and completed the form, please email it to businesscards@srlife.net. If you have any questions about our business cards, please contact our Marketing Department.

As an agent, you're able to purchase a Senior Life name badge. To order one of these name badges, please submit the form linked here. If you have any questions about our name badges, please contact our Marketing Department.

Agent Resources is where you can access applications, downloads, memos, and more. If you ever have any trouble logging in, please contact our IT Department or our Marketing Department for assistance.

The Senior Life Anti-Money laundering course allows you to be trained to be aware of anti-money laundering practices. Use the link here or on our Agent resources to read the material and take the quiz. You must complete this course within 90 days of beginning your contract with Senior Life. If you have any questions about the quiz, please contact our Licensing Department.

On the Senior Life Store, you can order a variety of marketing material, from apparel to brochures. If you ever have any questions about any materials on the store site, please call our Marketing Department and we'll be happy to assist you.

The agent portal allows you to see what lead charges you have and what agents may be working under you, along with other helpful information.

nathaniel hearne guest speaker senior life born to win

DR. NATHANIEL HEARNE

Q1 INCENTIVE TRIP SPEAKER

Dr. Nathanial Hearne, epitomizes what “up by the bootstraps” stands for. An educator, motivator, mentor, executive, Pastor, trainer…and ultimately… the man who has led countless individuals to excel far past their expectations and even their dreams. He was instrumental in combining education with athletics much to the chagrin of some coaches while earning him the love and respect of those he molded into men.

Dr. Hearne played an important part in the lives of those football players and coaches who the film, “Friday Night Lights” was all about. As Assistant Coach he instilled a love of honor and sportsmanship in every team member as he led them in strength and stamina conditioning. The Permian High School team became National Football Champions in 1989 and State Champs in 1991.

As Assistant Principal and then Principal in the Hurst-Euless-Bedford ISD of Texas, he turned around the Discipline Alternative Education Program for difficult students managing it for five years… and motivating hundreds of potential drop-outs to remain in school and graduate.

His Dropout Prevention Program was recognized by the “Texas School Business” magazine as the best prevention program in Texas in 2010. Dr. Hearne practiced what he preached, that by applying yourself and making the most of what God had blessed you with you could do anything and become anything you wanted.

One of eight children raised by strong parents, he excelled in school. But, like those he came to mentor, he didn’t like school and wanted to drop out. He says you didn’t argue with a mom who held two jobs to clothe and feed you… you did what she told you to do. His first degree was a B.S. in Physical Education at North Texas State University in 1974. He returned to the University of Texas in 1979, obtaining a Master of Arts. In 1998 he garnered a Master of Divinity at SMU while working full time at the Clarksville ISD as the Football Defensive Coordinator and Condition Coach. The next year he became an Ordained Minister and served as such in several churches. In 2009 he was back at SMU obtaining a Doctor of Ministry.

Dr. Hearne’s ultimate, all time, challenge and success has been his dynamic presentations on “Leaving a Legacy” that will have you cheering one minute and crying the next. Click here to watch.

He is happily married to Callie & resides in Arlington, Texas. They have five grown children and three grandchildren.

VISIT NATHANIEL'S SITE

howard partridge guest speaker senior life born to win

HOWARD PARTRIDGE

Q1 INCENTIVE TRIP GUEST SPEAKER

International business coach, #1 Amazon.com best-selling author and favorite conference speaker, Howard Partridge grew up on welfare, started his first business out of the trunk of his car and transformed it into a multi-million dollar, turnkey enterprise.

He has owned nine small businesses and for two decades he has helped small business owners revolutionize their businesses and have more freedom in their lives.

VISIT HOWARD'S SITE

Finish Contracting

In order to finish the contracting process, please click the button below to visit our contracting site. From there, you'll need to register with your 6-digit hiring code. Once you've registered, add licensing@srlife.net and you'll be able to start writing business within 24-48 hours.

VISIT OUR CONTRACTING SITE