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You’re Not a Pushy Salesperson?

“If I were you, I wouldn’t replace your current coverage.” The phone went silent… for a long time. “Ma’am, are you still there?” “Yes,” she replied quietly. She was astonished. She asked me a very simple question. “Why are you not trying to talk me into a new policy?” My answer was simple: “It’s not…
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Life Insurance For Real Estate Investors

Life insurance is probably the last thing that you think about when you’re trying to put together a real estate business. Your financials can often be quickly changing and evolving over time. Your needs can change quickly. We often don’t realize the full impact our death will have on our family and business partners. This…
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Life Insurance for Children

Not all children’s life insurance is created equal. It can be tough picking out the right kind of policy. I became an insurance advisor because I got bad advice about picking out my daughter’s life insurance policy. With that said, it is not difficult to pick out the right policy. You simply need to understand…
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Guaranteed Universal Life Policies For Business

Guaranteed Universal Life Policies can be more expensive than traditional term policies, but they offer a ton of flexibility for business use. They are so powerful because a properly structured GUL can offer 4 different exit strategies. The basics of a GUL are simple. It is a universal life policy that is structured with a…
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Final Expense Coverage

It is often called final expense coverage or burial coverage. It’s the same concept. This is a simplified issue whole life policy that we’re talking about. Let’s learn more about what this product is. Simplified Issue The simplified issue of these policies means they don’t require medical exams. Now, no medical exam doesn’t mean they…
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Permanent Life Insurance

Permanent life insurance in theory is incredibly simple, but industry developments have made this product incredibly flexible. We’ll start with the simple concepts and work our way to the more flexible options. Whole Life This is an older staple that has been around forever. The basic concept behind whole life insurance is that the policy…
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Living Benefits

Also known as an ‘accelerated death benefit’ living benefits are riders on your life insurance policy that allow you to file a claim on your life insurance policy before you die. You have to have a ‘qualifying event’ that would trigger this rider to kick in. Most often these riders are any number of the…
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Guaranteed Universal Life

Guaranteed Universal Life is one of the lesser discussed insurance options. The basics are simple. Universal Life is a form of permanent insurance. In its most basic form, it is a Universal Life policy with a rider built in that guarantees the policy will not lapse if payments are made before a certain age of…
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Term Coverage

Term is short for ‘terminating’. This means that the coverage is taken out with the anticipation that it will end at a certain date. It tends to be the less expensive coverage and is meant to replace income. The opposite of term coverage is permanent coverage. All About the Benjamins Term coverage is most popular…
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