- We live in a fast-paced information age. The internet, TV, radio, emails, spam, text messages, robo-calls, and mass mailings inundate us every day. It is easy to get overwhelmed with information; unfortunately, so much of it is incorrect or downright misleading.
I regularly see ads that say something like, “Seniors 70 or over get $100,000 worth of Life Insurance for as little as a dollar a day”. Simply stated, that is just ridiculous and totally false. The real price, at that age, for the cheapest Insurance product out there is much closer to $10 per day.
- Commission-hungry online or phone sales. I am appalled at some of the policies I run into while servicing my clients. The commission-focused agents just want to make a quick sale, get off the phone, and leave the customer with a horrible policy. I hear it every week from my new clients who can no longer afford their policy because the agent failed to tell them that their premiums would be going up.
- Your personal information should dictate what policy you choose. I absolutely never write an application on a client without asking a lot of questions—even with my existing clients.
- Health questions
- Purpose they wish to accomplish: Final Expense, Legacy for the family, Mortgage Protection, Funding a Business Buy/Sell Agreement
- What they can afford
- Their age
And then once we have established some of these basic factors, I will review their best options available, what they can qualify for, and with a plan that they can afford.
Caring for my clients, I think, is my greatest asset as a Servicing Agent. Secondly, I suppose, would be my understanding of the products that I offer. Without that knowledge I could not be able to aptly recommend the correct solution to my client. I hope to be able to help you. Call me.