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Does Universal Sound Big To You?

Does Universal Sound Big To You?

We’ve been working through Lincoln National with a client who wanted two life insurance policies, a $250k term policy for business purposes and $150k term policy for personal insurance. Lincoln Financial has a minimum face amount for term insurance of $250k, so it put us in a bind to meet her $150k need. Lincoln had the best rate class offer by a big enough margin that we really needed to st...
The Risk Of Trusting Your Life Insurance Agent!

The Risk Of Trusting Your Life Insurance Agent!

There are people in our lives we would all like to think we can just get advice from and not be worried about the answer steering us over a cliff. Our banker, pastor and doctor are good examples. They all know there is a right thing to do  to keep our lives on track and they all know the dangers of ignoring the basics and trying to shortcut or game the system. Your life insurance agent should fal...
The Risk In Bad Life Insurance Advice!

The Risk In Bad Life Insurance Advice!

The life insurance is not immune from those who would dispense bad advice 1. Because they don’t know any better or 2. Because they rightly assume that in most cases the client don’t know any better. While life insurance falls somewhat short of rocket science, it does have enough variables to put the agent at a decided advantage over the client. A good example of this is a client of our...
What Is A Flat Extra Charge On Life Insurance?

What Is A Flat Extra Charge On Life Insurance?

Most of the time life insurance rates fall within a rate class. Generically most company’s best rate is call preferred plus. This is the rate that people get when they are fit and really don’t have much for issues. Treatment for cholesterol and blood pressure can get best rate class with some companies, but most put those things off to their second best rate called preferred. People ca...
Do You Feel A Little Nervous Around Indexed Universal Life?

Do You Feel A Little Nervous Around Indexed Universal Life?

At Risk Life we have been following the IUL growing pains and the moaning and groaning of clients who aren’t seeing the proof in the putting. In the financial adviser realm there is a saying, “Never use life insurance as an investment and never use an investment as life insurance.” Indexed Universal Life flies in the face of that advice with agents today reminding us of agents in...
A Better Way To Do Senior Life Insurance Continued!

A Better Way To Do Senior Life Insurance Continued!

In a previous post we made the case for why almost all seniors shouldn’t buy their life insurance from final expense or senior life insurance companies. Those are companies whose entire block of business is made up of small final expense and burial life insurance policies. The almost never require an exam and in a lot of cases the just issue policies because you send money, not asking any he...
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