Tips and tools to get started in the Life insurance business.
Our job is to assist you in finding the best option for your clients, whether that be for Medicare Supplements, Long-term Care, Annuities or Life insurance. When it comes to Life insurance products, there are many steps and many questions that need to be completed/answered in order for us to do our job effectively.
You must be contracted before submitting applications for life insurance. If you have not gone through the contracting process, please do so.
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Pertinent Questions You Must Ask Your Clients for Life Insurance:
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If you are submitting a Life insurance application you MUST complete your contracting request before you submit the application. Carriers have specific rules regarding when a client application can be dated with regards to agent contracting. Your contracting MUST be received by Robiny Rhea in our office for processing before you send us the client application. Carriers will require you to submit a NEW application if the gap between the application date and the contracting date is too long. We have made contracting very simple by using an online application system via our website (SureLC).
Not all clients are "perfectly healthy". It is IMPERATIVE that specific health questions be asked during the application process. If we don't have all of the answers to these health questions, issues will arise during underwriting, causing increased rates, table ratings or declines. The more we know about your client's health, the better we can assist you and get your client insured.
It is critical that we have as much information as possible when you contact us for a quote, and we have several tools on our website to help you gather the information:
Not all clients are "perfectly healthy". It is IMPERATIVE that specific health questions be asked during the application process. If we don't have all of the answers to these health questions, issues will arise during underwriting, causing increased rates, table ratings or declines. The more we know about your client's health, the better we can assist you and get your client insured.
It is critical that we have as much information as possible when you contact us for a quote, and we have several tools on our website to help you gather the information:
Our goal is to make sure we direct business to where it makes the most sense, and to find a carrier that will give the most favorable underwriting to your client. It's our mission to help you succeed on your client's behalf.
Term Life insurance provides coverage for a specific time or term.
Whole life insurance provides coverage for the entire life of the insured.