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Posts Under Business life insurance Category

When You Should Consider The Risk!

When You Should Consider The Risk!

It’s really the same old questions. Who should have life insurance? When should you get life insurance? How much life insurance is enough? The problem is that there are far too many people out there that aren’t even asking the questions. To say we are amazed that there are tens of millions of men with wives and children who won’t leave anything behind to help them out if they die...
Five Reasons To Use Risk Life?

Five Reasons To Use Risk Life?

We’re just another life insurance agency, right? We grew up hearing that “the devil is in the details”, a warning about fine print and less than scrupulous business practices. Think about it though. We don’t disagree that even our own industry is and has been littered with life insurance agents that can’t even spell scrupulous, let alone pull off being it. So, just a...
HIV+ Business Life Insurance!

HIV+ Business Life Insurance!

While the traditional companies tanked on their idea of offering life insurance for those with well controlled HIV+, we do have an outlet that can provide life insurance for business purposes for those with well controlled HIV+. The company has the choice of covering or excluding death due to complications of HIV+ in the life insurance policy, but within the following parameters they have leaned t...
Keep That Deal From Collapsing With Instant Business Life Insurance!

Keep That Deal From Collapsing With Instant Business Life Insurance!

At least once a week we get a call from a business that is about to lose a loan opportunity, sometimes even a chance to sell or merge the company, but they’ve been declined for life insurance that would be collateral. They are out of time and can’t afford to go through a whole new underwriting process. The bank or the buyer are ready to close and the life insurance needs to be in place...
Five Traits Of A Scumsucking Life Insurance Agent.

Five Traits Of A Scumsucking Life Insurance Agent.

We all get those phone calls where the people obviously have gone through extensive training to be able to ignore anything you say, unless it’s yes, and keep right on talking. It’s called cold calling or telemarketing and the people on the other end don’t get paid for giving up. While we are somewhat out of that kind of high pressure, take no prisoners, sales ballgame in life ins...
Let’s Meet In The Middle On Business Life Insurance!

Let’s Meet In The Middle On Business Life Insurance!

It happens all too often so we might as well divulge the antidote to one of the most common problems with business life insurance. What happens when the bank mandates, your partnership, or the board of directors of your company tell you that you need life insurance to protect the liquidity of your company, and your personal health or maybe your lifestyle or hobbies make that task much easier said...
Five Step Quick Guide To Business Life Insurance!

Five Step Quick Guide To Business Life Insurance!

There really isn’t any magic to business life insurance. Just like personal life insurance you pay a premium (payment) to an insurance company so that if or when you pass away your beneficiary won’t be stuck in a financial bind. The difference is subtle. One is all about making sure your family doesn’t have to liquidate everything they have just to move on with life. Business lif...
Conversion With American General Hits All Time Low!

Conversion With American General Hits All Time Low!

We are currently working with a CEO of a world wide company who came to the end of his 10 year guarantee term on both his $10 million key man business life insurance policy and his personal $5 million dollar policy. It shouldn’t have been an issue for the American General agent to provide a new term policy, but this executive had developed a few life insurance wrinkles in that 10 years, most...
Business Life Insurance At the Highest Levels!

Business Life Insurance At the Highest Levels!

Business uses for life insurance tend to be the elephant in room that no one wants to talk about. He’s there. He’s real and huge, and he has the ability to stomp the life out of a company, but Executives and Boards of Directors often skirt the issue of life insurance unless it is required to do business. We have an accountant that has been trying to get the two partners of a $14 millio...
When The CEO Isn’t A Life Insurance Poster Child!

When The CEO Isn’t A Life Insurance Poster Child!

Executives of companies, in spite of the fact that they have professionally “made it”, don’t necessarily have every life category nailed and like the rest of us who are over age 50 or 60, may not be a poster child for $12 a month life insurance. The truth is that depending on the company only about 10% to 15% of people qualify for the best life insurance rates and in spite of C...
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