Why Offer Term Insurance?

Why Offer Term Insurance??

If death occurs, the only financial question usually asked is “how much life insurance did he/she have?”

No one asks if the death benefit was term insurance or permanent insurance or group insurance…or any other kind of insurance…only how much.

Term Insurance is a BEST BUY for death benefit for a specific period of time…such as a 30-year mortgage, for the 15 years between the age of your clients’ youngest child and the age when it is estimated they graduate from school or any other time period that can reasonably be determined.

If you are age 40 and in good health, $100,000 of 20 year term insurance can be purchased for around $19 per month. The cost is much less at younger ages and a little more if you are older.

When everyone else is doing their best to support the anguish a family faces at the death of a family member, you are the only one that can provide that family with the financial support they will need and it is very easy to determine the life insurance needs of a family member and to apply for that needed insurance.

The Opportunity

·         Households that feel they don’t have enough life insurance say most consumers should own enough life insurance to replace 6.8 years of income, yet only have enough to replace their own income for 2.6 years.

·         Almost 8 in 10 U.S. households currently do not have a personal life insurance agent or broker to turn to and most of them say they never did.

·         Consumers believe life insurance costs nearly three times the actual price, which may be deterring them from getting coverage they say they need.

·         In the current economy, if a breadwinner dies, there may be little or no opportunity for the surviving spouse to find a job. Even if the survivor has skills, they may have been out of the job market a number of years and good jobs are hard to find.


Here is the new TLC process:

  • Offer your client the ability to make out a 1-page life insurance needs analysis. It is FREE and allows the client to determine how much life insurance the client needs (optional but recommended)
  • Ask the client for a monthly premium commitment, an amount that is comfortable, realistic and affordable
  • Complete a VERY short, VERY-few-question online form and send to the insurance carrier
  • The insurance carrier's representative will call your client and complete all the paperwork and arrange any paramedical exams required. The policies generally issue in two weeks
    or less
    and are sent to you for delivery
  • You get your full commissions

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