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Great post, Scott. I guess that's the way the cookie crumbles, eh, xrac!
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Thanks for the comments guys.
Writing that out makes it even clearer to me. I've had it loosely scripted in my head for several years.
Almost all of them that are just wanting small amounts ($10,000 to $50,000)
If they are young I sell them the large convertable term policies.
If they are older but want larger policies I recommend term or GUL although I mainly run into the $10,000 to $50,000 crowd.
I can promise you, when you hit on the things you have to do to follow Ramsey's plan, NO one wants to do that. It's good advice for young people to follow. It's impossible for 50+ year olds who are major in debt to see themselves ending up wealthy by retirement. They know they won't do what it takes.
I've been on this board for four years now (and was on the one before it just before it went paws-up.)
I've read a lot of posts in the Life section of this venue.
This is easily the best and most useful "thing" I've ever seen posted here in all these years.
I liked that post too and I don't even know how to sell insurance!