Minn Life / Non-Combustible Tobacco Program Based on R&D and the ability to test for a marker of tobacco combustion, we can improve ratings for clients who use non-combustible tobacco, including chewing tobacco and snuff. To qualify for this mortality credit program, a client must meet the following: Non-combustible […]
Insurance Agents, Don’t Let Comp Lose The Sale!
As independent agents we are up against the big boys, the mega agencies, the Goliaths of life insurance. They (Selectquote, Accuquote, Intelliquote, etc) give the perception in their advertising of being so big and well run that they can do the job better, faster and for less cost than us. Just like Goliath those guys […]
Don’t Cut Corners On A Insurance Trial
I just shopped a case through Special Risk Services that could have been shopped two ways. A successful attorney had a history of a DUI, an arrest for possession of marijuana, admitted use of marijuana up to about a year ago and over the past year started taking Vicodin for a back injury. He had […]
Going After Final Expense Insurance The Right Way
The world of final expense insurance seems to revolve on a different axis from the real world of life insurance, and that slight tilt away from the real world is not in the client’s favor. I’ve discussed this at length with Rich Fuller at Special Risk Services, the down sides to guaranteed issue, or simplified […]
Shopping Insurance for Type 1 Diabetes
The underwriting landscape is changing all the time and it wasn’t that long ago that type 1 diabetes and life insurance approval were oxymorons. I never assume from one case to the next that, even though the information is the same the quotes will come back the same and while it can get old being […]
The Mentality Of An Insurance Fire Sale!
I’ve often discussed with Rich Fuller at Special Risk Services those times when the life insurance industry or maybe just a particular company offers a product that was a little too good to be true and when they figure it out, they pull the product. Some years ago now I had a retired businessman contact […]
How to Shop for an Unengaged Insurance Customer Part 2
I just want to reiterate that I don’t work for Special Risk Services. I am simply grateful for all they’ve done and all they’ve taught me over the last 14 years and I want to make sure agents know how to do the best job and where to find the best general agent to work […]
How to Shop for an Unengaged Insurance Customer Part 1
If you have a customer that expects you to pull off a miracle and get them the best rate out there without providing you every single piece of information you need to accomplish that, you’re in a bad relationship. Before I will shop a case I want to know that everything I present to Special […]
The Power Of Shopping for Insurance Part 2
So why shop that life insurance case? I can tell you for a fact that I don’t know the underwriting guidelines of all of the companies I represent but even more important is I know for a fact that the best underwriters truly use those as guidelines and if you present a scenario that triggers […]
The Power Of Shopping for Insurance Part 1
When working impaired risk life insurance cases there is no more thorough way to get to the best rate for your client than shopping the case. I’ve had dealings with general agents in the past who really hung their hat on one company or had an in house underwriter that would do the trial quotes […]