"But, You Said..."

We have all been there with a life insurance applicant. We want to believe that because our client looks healthy (and says they are), they will definitely qualify for the Preferred Best underwriting classification. So, we quote it. We compare all of the premiums, and the client chooses to go with the least expensive. We submit the application without giving it another thought.

Until... the underwriting process uncovers something that is not a big deal in day to day living but is a concern from a mortality perspective.

So, now your client has lost confidence in the process, and is upset because of the additional underwriting that takes additional time. Plus, the premium is now higher than expected!

Less than 10% of life insurance applicants qualify for the best classification, and we can help you work smarter by quoting the right classification the first time. We have a questionnaire that you can use at the front-end of the sale with your clients and prospects to avoid unrealistic hopes and limit the resulted disappointment. 

Use our Underwriting Criteria Questionnaire to quote the right classification the first time without setting unrealistic expectations for the underwriting outcome.

What Are You Doing for Her?

March is Women’s History Month, and there is no question that women have made significant contributions to our history. They also tend to care for everyone else by managing tasks for the people they love. Yet, far too often, they don’t plan ahead for their own financial security. 

This could be because 75% of women feel advisors don't consider their best interest and are out of touch with their fiscal concerns. Most women believe advisors are too focused on selling rather than educating and they prefer a trustworthy resource whose first objective is to educate them.

So, what about a woman’s insurance and retirement needs? Women face unique challenges when it comes to planning for their retirement because it usually has to last longer. They are currently underserved in the financial services industry, many outlive men, and they control $14 trillion of personal wealth in the U.S. This is a huge opportunity for your business!

For the month of  March, make it your goal to help your female clients protect their families, safeguard retirement and make financial decisions with confidence.  Let them count on you as their trustworthy resource. Be the change. Lead with education and the sale will follow.