The problem getting a straight answer from a life insurance agent about what type of insurance to take is we get paid more commission when our clients pay a higher premium. So the first lesson in purchasing term life insurance of any duration is to use an agent who doesn’t seem “needy”. If you can tell your agent is pushing you to take a certain policy, and he or she really wants you to take it more than you do, beware.
I Read the rest of this entry »
Now that I’m in my eighth year selling life insurance, I’ve had my share of sales where my client told me they were already maxing out their 401k, maxing out their IRA, and were looking for another place to stuff money into. Due to some tax advantages of cash value life Read the rest of this entry »
We recently obtained a life insurance approval from Pruco Life Insurance for a client of mine in AZ with a very unique case. While this client had been declined by West Coast Life, Lincoln Benefit, and every other insurance company we brought the case to refused to offer, Pruco Read the rest of this entry »
Most of the posts on my website contain details about how we help individuals with high risk health impairments buy affordable life insurance. But what about those individuals who need term life insurance and are in excellent health? We can help you too. In fact, you’ll Read the rest of this entry »
Pruco Life Insurance Company, the life insurance arm of Prudential Financial, recently released a new product called the PruTerm WorkLife 65. What is unique about it is it offers affordable term coverage that lasts to age 65, no matter when it’s purchased. PruTerm WorkLife Read the rest of this entry »
I know life insurance agents are often made out to be villains in the movies and in popular jokes, and let’s face it… most of the life insurance agents I know are not too exciting to talk to. I mean, we sit around and talk about death all day. Pretty morbid. Most life Read the rest of this entry »
I recently wrote up a lengthy proposal for a healthy, 64 year old male needing permanent life insurance coverage. He is in excellent physical condition with no history of medical conditions and no current medications. My only concern is his weight at 5’9, 230 lbs. At this Read the rest of this entry »
My friend and pastor, Brian Berry, invited me to speak to his young adults group at Journey Church yesterday. I was to speak about financial management, with a special focus on credit management and spending control. Here’s the general outline I used. The seminar lasted Read the rest of this entry »
We currently only sell Guaranteed Issue life insurance to people in the San Diego, Ca region. However, we have a type of policy available in *most other states (see excluded states below) that MANY people with high risk medical impairments can qualify for. As long as you can answer Read the rest of this entry »
This post was provided by guest author, Shanne Sleder, owner of The Mortgage Planners at 619-312-0612. It describes the difference between private mortgage insurance and mortgage protection insurance. “For many homebuyers, the mention of Mortgage Insurance causes them to scowl, Read the rest of this entry »
