There’s More Than Meets the Eye With the ‘Simplified’ Life Insurance Sale

Fewer Americans are insured than ever before and most insurance agents avoid the lower and mddle-market segments. “No one wants to buy insurance until they can’t buy it.” All too often, it takes the shock of a health problem for people to recognize the need for life insurance coverage. Unfortunately, this is the worst possible … Continue reading

Can Pot Smokers get Life Insurance?

Even though casual marijuana use is illegal in the United states, and medical marijuana use is only legal in a few states, many Americans see nothing wrong with occasional recreational use of the drug. These folk see no problem with indulging once in a while, only to realize too late that marijuana smoking can cause … Continue reading

Declined for Life Insurance…Now What?

After many grueling hours of researching life insurance companies and comparing quotes, you submit your application only to be told that you are not eligible for coverage. While you probably have an opinion about whether or not this decision was fair, the best thing you can do is to get a second quote. No two … Continue reading

The “Yes” Man: placing impossible cases for frustrated agents.

Every producer comes across a hopeless case once in awhile. The client’s too old, too unhealthy, too risky for any carrier to take on — at least, not at a rate that’s in any way affordable. When agents encounter these cases, they can pass up the business, shrug their shoulders and move on… Using his … Continue reading

There’s More Than Meets The Eye With Simplified Life Sales

No one wants to buy insurance until they can’t buy it. All too often, it takes the shock of a health problem for people to recognize the need for life insurance coverage. Unfortunately, this is the worst possible time to buy it, since the premiums are so much higher. Worse yet, coverage may be denied. … Continue reading