- 24,878
On 50 > , 1 of my 3 carriers doesn't have CR and on another, it isn't very attractive . . .
Enlighten me. Who would you use for a 40 year old couple with three kids 16, 14, 12.
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On 50 > , 1 of my 3 carriers doesn't have CR and on another, it isn't very attractive . . .
First of all, how can you determine what anyone "needs" before you do any fact finding with them. Second, if you write the spouse their own WL, why you also put a spouse term on them when it would be cheaper to just put a term rider on their own policy in most cases.
Since the Child Rider is paid up on death of primary insured and guaranteed convertible to WL for the "brats" @ 4 to 6 times their face - they really don't need their own.
Now - Spouse is different story. If they can afford it - spouse should have at least $10k WL themselves + they can have the extra coverage on their spouse's WL policy with the Term Rider . . .
I'm writing a $25k WL on a single Mom that has 3 kids on Tuesday. It will only cost her $2.25 a month to cover all 3 kids @ $9k - which they can convert to $45k guaranteed . . .
Since the Child Rider is paid up on death of primary insured and guaranteed convertible to WL for the "brats" @ 4 to 6 times their face - they really don't need their own.
Now - Spouse is different story. If they can afford it - spouse should have at least $10k WL themselves + they can have the extra coverage on their spouse's WL policy with the Term Rider . . .
I'm writing a $25k WL on a single Mom that has 3 kids on Tuesday. It will only cost her $2.25 a month to cover all 3 kids @ $9k - which they can convert to $45k guaranteed . . .
Consider yourself enlightened.
Thanks - interesting . . . That video isn't quite accurate. But was able to google a few things . . . Shame on them. Seems they paid a hefty price and cleared house . . .
They certainly didn't profit $190 million . . .
Enlighten me. Who would you use for a 40 year old couple with three kids 16, 14, 12.
First of all, how can you determine what anyone "needs" before you do any fact finding with them. Second, if you write the spouse their own WL, why you also put a spouse term on them when it would be cheaper to just put a term rider on their own policy in most cases.
What are the children guaranteed convertible to? I am a fan of child riders as well.
I am an independent agent. As such I can pick and choose who I work with.
That is 14 opportunities to contact the owner and new 25 year old.,
Not really...they all have the same mother. jk
People pay +- $28. For little more than a name and maybe a phone number on a piece of green card stock. Many of which do not answer the phone or return calls.
Thankfully I have no risk on lead cost . . .