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Posts Under over 50 life insurance Category

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...
Business Life Insurance For The Mature Executive!

Business Life Insurance For The Mature Executive!

Business life insurance, whether for the CEO as key man insurance, partners in a business buy/sell agreement, bank loan collateral or stock repurchase plans are a specialty in their own rite, but add businessmen over age 50 or 60 or 70 and things can get complicated. Generally speaking those born in the 70’s and 80’s at least don’t present any health challenges that complicate th...
How Do Life Insurance Companies Feel About Your DUI? Both Of Them?

How Do Life Insurance Companies Feel About Your DUI? Both Of Them?

It wasn’t that long ago that if you wrote DUI on a life insurance application it would automatically burst into flames. Why allow it to make it to an underwriter when it was an automatic decline, almost no matter how long ago it was. There used to be a company called Federal Kemper that felt so strongly that the life insurance liver function GGT was an indicator of a life time of drinking th...
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...
Enriching Our Children Is Not Our Job!

Enriching Our Children Is Not Our Job!

Inheritance? I suppose it is a practice that went back as far as people. There, unless your children are a pain, is usually a desire to leave something behind and for good or bad life insurance has been touted as a giant band aid for those of us whose lives didn’t go well enough to leave piles of gold and jewels. The flip side of that are the bumper sticker crowd who are “spending thei...
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...
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...
Term Life Versus Guaranteed Universal Life! What’s The Difference?

Term Life Versus Guaranteed Universal Life! What’s The Difference?

The quick answer is really nothing other than the length of the guaranteed coverage period. Term life insurance can be guaranteed for as little as 1 year and as many as 30 making it an excellent planning tool for probably 95% or more of all life insurance needs. With younger clients we almost always suggest a 30 year term for the simple reason that, well, when we’re young we really aren̵...
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