Without Enough Life Insurance, Who Truly Suffers?

As we know, life insurance isn’t for the deceased, but for their family and estate.  Though many individuals who purchase life insurance, do so to cover funeral costs, mortgage and perhaps college; how many consider the need to replace the lost income and maintain an established lifestyle for the surviving family?   Consider, how much of their life insurance would …

Are Your Clients Playing Russian Roulette?

      Without realizing, many Americans are playing the risky game of Russian Roulette.  Are any of your clients playing this game?  They may be; and possibly we are helping them “load the gun”.  If we don’t explain how they may be able to put themselves in a better financial position with Credit Disability we may be handing them …

Medical Debt – “It Won’t Happen to Me”

It’s a new year and a new government in Washington, so how will our new administration impact Health Care?  Obamacare vs. Trump Care?  Will it be easier to understand, will benefits improve, will it be easier to apply for or will it continue to be the same? Time will tell; however, whatever is happening to HealthCare, what is definite is …

A Product for “All Reasons”

Client education is an important aspect of your position.  Their financial well-being should be your primary concern.  We may look at positioning the client financially with a better type of loan, loan rate, checking or savings account; however, if we don’t educate them on protecting those financial decisions, then we are not providing the “value-added” service that clients have come …

Great Product Features

It’s possible, when working with a product, that we become complacent.  In other words….we point out some features of Payment Protection; however, fail to mention some valuable ones as well.  Let’s review some of the outstanding features of Payment Protection that provide excellent benefits to your clients: Coverage begins on the same date of the loan and continues to provide …

Tired of the Same Old Objections?

Tired of the Same Old Objections? There is no doubt that Payment Protection is a valuable product.  Ask the clients that you’ve sold it to who have used it; they’ll invest in Payment Protection on every loan.  However, for those who “give you the same old objections”, we sometimes become immune to them and need a way to “think out …

Don’t Take that Bet!

It’s amazing that many consumers believe they are infallible.  “It won’t happen to me” or “I’ll take my chances” are two very common objections for Disability.  Well, based on the “odds” below, they are taking a chance and hedging against the odds.  It’s clear; they might not want to take that bet. The most common causes of existing disability claims: …

What Matters Most

Why does the average consumer think life insurance isn’t all that important? It’s not necessarily that they dislike life insurance; however, they have a limited view on its importance and how it “stacks up” with other financial obligations that life presents. Let’s see what really matters most when identifying financial objectives*: • The two largest financial concerns are retirement funding …

Life Insurance: When they say they have “Enough”

How many times have we stated that most Americans are under insured? And how many times have you heard “I have enough”. Fact is, the life insurance gap in coverage continues to grow as the next generation begins to look toward their insurance needs. According to research, the most common reason given for not being adequately protected is that Americans …

Payment Protection: Presentation Tips

Looking for a way to improve your Payment Protection opportunities? Consistency is key and taking shortcuts will (sometimes) alter your results. So, here are some Payment Protection presentation tips that may provide some support: Tips for Presenting: Start with Joint protection (if applicable) and work back to single coverage. Include coverage in the first payment discussion as a “protected” payments Work Payment …