Categories

Posts Under independent agent Category

HIV+ Life Insurance. The Way It Is!!

HIV+ Life Insurance. The Way It Is!!

If you have well controlled HIV I have been a part of your life for several years now as we have worked to get life insurance companies to put the HIV+ risk in real mortality context and offer it at a rate they can live with and you can afford. Over the past two years, as we have gotten closer and closer and now are getting the life insurance approvals we have worked so hard to nail down, you have...
Over Age 60 Life Insurance Buyer Beware!

Over Age 60 Life Insurance Buyer Beware!

Life insurance myth or fact? Are those of us over age 60 really stuck with old people life insurance products like what is represented as appropriate for our age by AARP/New York Life? Is it that we had our chance at traditional life insurance and as soon as the AARP cards started coming in the mail, we weren’t really a good fit for companies like Prudential, Lincoln National or American Gen...
Your Life Insurance Agent Lied To You!

Your Life Insurance Agent Lied To You!

Don’t you just hate it when someone, anyone, lies to you for any reason? As the DOW plunges again today I’m sure one of the two biggest financial lies is running through a lot of minds, “It always comes back”. It’s just our opinion that in the whole scheme of things, while that seems to have held true over the history of the stock market, saying that it will always co...
When Your Agent Says That Can’t Be Done!

When Your Agent Says That Can’t Be Done!

When I get a phone call or an email from someone saying that they’ve been told by their life insurance agent or even multiple life insurance agents that their situation just can’t be approved and covered, well, game on. While there is a possibility that the client might not be able to get traditional life insurance, that is far more rare than you might think, and in those cases in almo...
Be A Life Insurance Hero!

Be A Life Insurance Hero!

I know I normally complain that most life insurance agents really don’t know what they’re doing and or how best to serve their clients, and I’ll stick with that just because according to a LIMRA study there are about 300,000 life insurance agents in the country. I would be amazed if 5% of those are life insurance agents worthy of being in the category of life insurance profession...
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...
The Ethical World Of Life Insurance Sales!

The Ethical World Of Life Insurance Sales!

It’s amazing to us that, by law, we have to complete annual continuing education, and a portion of that every year has to include education on ethical relationships with customers and ethical practices in sales and service of life insurance clients. That is the teeth in the matter as far as the National Association of Insurance Commissioners is concerned. We occasionally read about someone g...
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...
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...
Page 1 of 41234Next »