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Any Hidden Clues In This Life Insurance Report?

Any Hidden Clues In This Life Insurance Report?

You know there are times when we feel like we’re just going off based on a gut feel, not that we are, but let’s be real. Life insurance companies and life insurance agents making big commissions aren’t necessarily the best avenue for an unbiased opinion on a product. Occasionally though a piece of information will float to the top that sheds light on reality. We received a releas...
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...
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...
No Life Insurance Late Payment Notice? What Is Protective Thinking?

No Life Insurance Late Payment Notice? What Is Protective Thinking?

We get customer service. It’s a good thing where you go out of your way to make sure things work out satisfactorily for a client. That’s why life insurance companies send out late payment notices during the grace period to make sure that a customer didn’t miss their statement which could lead to an unplanned lapsed policy. I was talking to a Protective Life insurance client, reti...
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...
High Stress Professionals At Risk Of High Stress Life Insurance Rates!

High Stress Professionals At Risk Of High Stress Life Insurance Rates!

It doesn’t take much imagination to see that we are a nation of stressed out folks. Maybe we’re a little whiny when you consider that as bad as it gets here is probably very comparable to as good as it gets in some other countries, but we’ve created this fast paced, high stress society and if you aren’t a participant in the stress you aren’t participating in the ups...
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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