The order of things is essential. The correct order is critical. Fortunately the order and timing of insurance conversions and ownership transfers is less complicated.
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The client does not need to convert their entire term policy at once and can make use of multiple partial conversions to help keep premium costs low while providing added flexibility.
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While most carriers limit eligible rate classes for this particular family history, there are still a couple of A+ carriers that do not underwrite family cancer histories at all.
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No can predict the future, but if the need for long-term care should arise, how much would it cost – and how would your client pay?
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Instead of drilling your clients with horror stories about the difficulties they will face without having a DI policy in place, ask them the right questions in order to make the DI sale.
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Two coordinates come into play when financially justifying an amount of life insurance coverage applied for – how much is being applied for and how much is it going to cost.
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How many of your clients would consider replacing their existing term coverage with a product that could pay benefits if they were to experience a major health event?
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Knowing all the facts can certainly change the response to circumstances. And so it is when talking to a business owner about how much company-owned coverage he or she can get on an important executive.
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When owners use the business evaluation process, results can lead to significant opportunity.
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Please be advised our office will close at 2.00 PM PST on Wednesday, November 27th, in observance of the holiday. We will resume normal business hours on Monday, December 2nd.
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