Insurance Agent Forum

[InsuranceRus]

Hello all,

I must admit that I am an application taker when it comes down to life insurance. Even though I generate my own prospects and leads, I am not really a master of my trade. (life insurance) I am committed to really understanding the In's and out's of the products that I am selling which consist of Term, VUL, UL, Wholelife. I am captive P&C agent, but since the P&C comes in effortlessly(not that saying that I'm great) I like to capitalize on every lead that comes in. Forgive me for rambling, my goal for this thread is to find some books or resources to truly educate myself on life insurance.

[somarco]

The secret to life insurance.

If you die, they pay. If you don't, they don't.

[Norwayguy]

Originally Posted by InsuranceRus

Hello all,

I must admit that I am an application taker when it comes down to life insurance. Even though I generate my own prospects and leads, I am not really a master of my trade. (life insurance) I am committed to really understanding the In's and out's of the products that I am selling which consist of Term, VUL, UL, Wholelife. I am captive P&C agent, but since the P&C comes in effortlessly(not that saying that I'm great) I like to capitalize on every lead that comes in. Forgive me for rambling, my goal for this thread is to find some books or resources to truly educate myself on life insurance.

LUTC or CLU classes might be a great resource.

[STIBROKER@AUSTIN.RR.COM]

A widow never asks what kind of life insurance her husband had but rather how much.....

[GreenSky]

Originally Posted by somarco

The secret to life insurance.

If you die, they pay. If you don't, they don't.

That's why you get the big bucks. Can you try to explain health insurance to congress?

Rick

[somarco]

Can you try to explain health insurance to congress?

No problem.

It's like Medicare and Medicaid, only better.

And it doesn't run a deficit year after year after year after . . .

[Amber Scherloz]

I am interested in finding books too in order to gain more knowledge on selling life insurance. Thanks for any information.

[Markingriffin]

I have a ton of must read books, if anyone will email me at markcrosenthal@aol.com and I will send you some amazon links to them.

[insuranceexec]

Originally Posted by cliffchy

guy i like it when you say that,thanks man for that.

What are you talking about?

Is there some pillow talk that I am not privy too?

[Robert Barney]

Originally Posted by GreenSky

That's why you get the big bucks. Can you try to explain health insurance to congress?

Rick

Let's see if I can contrast life insurance with health insurance, and help Congress understand how then can fix health insurance.

1. With few exceptions, the policies available to consumers in one state are available in almost all states.

2. Products are virtually identical in each state. Legal wording of contracts are standardized and cover all forms of death after 2 years, and most forms of death (except self inflicted) immediately.

3. Policies are highly competitive, with lots of company versus company comparisons available.

4. Products cover catastrophic losses. There are no payments for partial death, recurring death, etc. If you are dead, the policy pays. If we are not sure, we wait and see if you assume room temperature.

5. Insurability options vary. If you pay more, your premium is guaranteed longer.

6. There is very little litigation. Once a policy has been in force for 2 years, claims cannot be denied.

7. If you are uninsurable, you pay much more.

8. The government does not offer a competing system of life insurance for the poor or elderly, meaning there is no "safety net" if you don't purchase the product.