The third reason that most agents struggle with selling Mortgage Insurance… is they expect people to magically come up with the money to pay for the mortgage insurance!!!
final expense quote If you’ve quit smoking, realize that you need a minimum of 12 months free and clear of tobacco to be rated as a non-smoker. Some companies require 24 months. For preferred rates, it’s sometimes 36 months. But, please don’t make the mistake of thinking that you’ll put off buying coverage until you can quit smoking and then get a lower rate. Most times, clients will simply keep smoking and never get covered.
If you have a young family that depends upon you for support, then you will want to replace your income for a period of time. Consider education costs for your spouse or children. Think of your house payment. You certainly want to leave your family with a nice place to live. People in this situation usually buy term life insurance policies. These policies last for a certain “term” or period of time, from 10 to 30 years. They start at about $25,000 and no medical exam life insurance limits can go up to $400,000. It is usually tough to write a policy like this on anybody past retirement age, or those with certain health conditions.
Once you shortlist a few insurance companies, you can get insurance quotes from them. It is advised to go through the details of each quote so that you can have an idea about the policies that will provide the right options for you.
As a breadwinner, disability insurance and dread disease cover are as important as life cover. Ask your broker or life insurance company for a disability insurance and dread disease cover online quote for life insurance as well as a life insurance quote.
burial insurance quote Maintain an outstanding credit rating. Having a poor credit rating is simply making difficult for yourself in addition to the fact that your rates will be much higher. For most insurance carriers it is a pattern they believe you might repeat with them in premium defaults. This implies more risk to them and higher premiums for you.
Beware launching that ‘absolutely perfect’ new business concept. Be it product or service, first interview prospective customers for their reactions and ideas. They may suggest a complete redesign or a highly profitable refinement saving you time and expense down the line.
