CuriousGeor
Expert
- 23
Anyone have experience selling IUL's to Farmers and/or Ranchers? Looking for a Niche market and thought it may be an avenue.
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I farmed and ranched before going into the insurance biz, most are conservative with thier money. They understand the guarantees of whole life, but find IUL more complex and some have fears from bad experience with UL's of the past. The average age of independent farmers/ranchers is about 60 years old. Many are land/asset rich but cash poor, they NEED life insurance. These people are very intelligent and most have degrees in agricultural but they want to work with people they trust.