The new drop ticket process for applying for life insurance is a great innovation in the life insurance industry. It makes the process of selling life insurance so much easier than in the past.  Add in accelerated underwriting and you have a win, win!! But sometimes there is some miscommunication about the process. You drop […]

A recent client, a female age 35, that was clearly a Preferred Best rate classification on the outside was given a Standard by the underwriter. Not bad you might think, but the reason for the difference in the rate class is because her father, who was overweight, smoked and drank too much, had a heart […]

Upon returning to class after Winter Break, a teacher told her third grade students about what happened to her son, a college student, during the holiday. He was participating in some sort of activity, took a tumble and face-planted. He gashed his chin and his mother was concerned. She thought he might need stitches; but […]

Does a New Year make you a bit pensive? It does me.  I reflect on the past year and think about what I can do better this year.  I read words of encouragement as an uplifting way to go strong into the new year.  Things like “Sometimes the smallest step in the right direction ends […]

Why is it that one of the most important financial documents a family or business can own is so often forgotten? Thrown in the back of a drawer, or on the floor in the closet? In fact, according to LIMRA, 62% of Americans that own life insurance do not know what they have.  YOU have […]

Your business clients know the importance of protecting their businesses from risks like damage of property, personal injury of employees and other liabilities they cover with insurance. But they often fail to insure one of the most valuable assets they have – their key employees.  Those employees that, if gone tomorrow, will cause loss of […]

When I visit advisors in the field we talk about many things, one of them being life insurance policy reviews. All universal life policies written before the year 2000 could lapse prior to their original maturity date due to the decline in interest rates. The insurance companies reacted to this dilemma by developing universal life […]

So many clients come to you wanting term life insurance (Option A) because it is the least costly protection they can get, but is it always the best way to give them the life insurance protection they need? Why not give them an alternative that offers features they will not have with term coverage (Option […]

“I quit smoking” your client exclaims to you. “Why would I be charged smoker rates?” or “Why can’t I get preferred, I am not on any medications?”  What your client may have failed to tell you, or you may have failed to ask the question properly, is that he or she may have quit only […]

You are on the cusp of an exciting time in the life insurance industry. Your client can now go through the process of purchasing life insurance, up to $1,000,000 currently, without having to go through the time and hassle of a full paramedical exam!  How many of your clients or prospects know this?  I will […]