If you have ever bought a life policy in the past, you probably agreed to pay a monthly premium. That is not always the case. Sometimes premiums are paid weekly, monthly, quarterly, or yearly. But a monthly premium is a very common way to schedule payments. There is one type policy, called single premium whole life, which is different. In this case, the whole policy is funded by one lump sum premium at the start of the policy.
First off, the client needs to see the value of having a policy and protecting the people they care about. Any life insurance I have I look at as an asset and not as a monthly expense each time I make a premium payment. It’s important you talk in terms that the client is creating an instant asset for their family and not an expense.
And I will Leave You with This gem And this Advice: Never, ever answer an ad with a headline you can’t understand. Check this out: “$50+ Millionaires Produced? senior final expense program Agents Leads In-House.” The text of the ad is no clearer, unfortunately. It’s a sales position, but it is not clear whether “health/dental” applies to benefits for the salesperson, or whether that is the product being sold. And the “exotic trips” part of it is really intriguing.
Lots of older peopple just want a way to leave some wealth to their spouse or children, and this is one traditional use of coverage. Most of the time the proceeds from the death benefit will not be taxed. And since most of us just pay a monthly premium, it can be an affordable way to plan for an estate transfer.
It is great to know the complications, which may very well come as a result of this disease, yet I have great news to share. Knowing a head of time allows preparation and planning. Our families will be the ones chosen to go back and forth fetching the things that we need until we are healthy again or pass on, so let’s do everything within our power to get and stay healthy by eating a well-balanced diet and exercising daily.
Final expense quotes are becoming less of a commitment. You can get free and unobligated quotes at many insurance websites. You may not even have to provide your name and contact information. You can get a fairly good idea of what you might be getting and how much it will cost by getting a quote this way. All you have to do is input some general questions like your age, height, weight, coverage desired, and your general health. The quote will appear immediately or will be emailed to you. It will show a range of coverages and monthly premiums.
The passing of Mom and Dad taught me many things, the most important of which being the value, and importance of being properly insured, and pre planning for death. Something we must all face sooner or later.
Not all agencies are going to have territories in your area. That is a given. This is why it is best to talk to several different companies before making your decision. If you are pressured to make a decision, then walk away. That company is NOT working in your best interests. As with anything else on the internet, you need to remember the caveat of “Buyer Beware”. Make sure that you are informed before making a decision on whom to use for your leads generation services. This way you are sure to get the Final Expense Leadsthat you want to grow your business.