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Gerber Guaranteed Whole Life Insurance Review

Posted on December 22, 2014 at 3:35 AM Comments comments (6)

Overview of Gerber Guaranteed Issue Life Insurance Coverage

Gerber’s Guaranteed Issue Life insurance is specifically for those who are between the ages of 50 and 80, and who are unable to get approved for regular life insurance coverage. Policy holders can choose a face amount ranging from between $5,000 up to $25,000.

The coverage that is offered through Gerber’s Guaranteed Issue Life Insurance is whole life insurance. This means that there is no expiration on ...

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8 Bad Sales Habits You Need To Quit

Posted on April 6, 2013 at 11:55 PM Comments comments (0)

After working in Life Insurance Sales  for almost 10 years , I have noticed that  many of us have a number of bad habits we need to give up if we want to improve our results. Here are eight of them:


  • 1- Opening initial prospecting calls with “Hi, how are you?” This is a lame opening that does little to establish your credibility. It’s much more effective to immediately state the reason for your call than to waste time with this s...
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What is Senior Life Insurance?

Posted on November 15, 2012 at 11:15 AM Comments comments (1)

What is Senior Life Insurance?

Senior Life Insurance is whole life insurance that is mostly purchased by seniors to cover the costs of funeral expenses, and other final expenses when they die. This type of life insurance is still commonly known as final expense life insurance or burial insurance, but “senior life insurance” is a more pleasant term to hear. A typical senior life insurance policy is from $10,000 to $20,000 of insurance protection. Smaller ...

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LIFE INSURANCE RATE INCREASE DUE TO AG 38 (ACTUARIAL GUIDELINES -38)

Posted on November 8, 2012 at 5:40 AM Comments comments (3)

I’ve been hearing a lot of rumblings recently about life insurance and annuity carriers implementing price increases or halting sales of certain products.From articles about many annuity products increasing costs and/or decreasing benefits in order to remain viable to countless product update notifications from life insurance carriers, it’s clear we are in the midst of a significant price and benefit adjustment cycle. While it’s bad news for consumers and the producer...

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STOCK UP ON LIFE INSURANCE AT WALMART

Posted on November 6, 2012 at 7:35 AM Comments comments (1)

MetLife, Walmart and an iconic beagle with droopy ears have forged a partnership to sell life insurance to bargain-hunting shoppers.  The New York-based insurer now offers a prepaid life insurance policy in about 200 Walmart stores in Georgia and South Carolina. Packaging and promotional materials for the one-year policies, which start at $69 for $10,000 in death benefits for people ages 18 to 44, feature the puckish image of Snoopy, the "Peanuts" canine created by Charles Schulz.

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VARIABLE ANNUITY CARRIERS EXITED BIZ IN 2012

Posted on October 22, 2012 at 10:00 PM Comments comments (0)

Several Variable Annuities Carriers Exit Biz

Several well-known life insurance carriers are making a surprise exit from the variable annuities business, while others are drastically scaling back their exposure or evaluating their participation in 2012.


The combination of a volatile stock market and a prolonged low-interest-rate environment has made it both difficult and expensi...

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Key Person Insurance

Posted on September 28, 2012 at 8:00 PM Comments comments (0)

Definition: Life insurance on a key employee, partner or proprietor on whom the continued successful operation of a business depends. The business is the beneficiary under the policy.

Key person insurance is simply life insurance on the key person in a business. In a small business, this is usually the owner, the founders or perhaps a key employee or two. These are the people who are crucial to a business--the ones whose absen...

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Annuity Income Riders And Living Benefits

Posted on September 1, 2012 at 1:20 AM Comments comments (0)

Income riders have become one of the most popular benefits ever to be added to fixed deferred annuities. Members of the National Association for Fixed Annuities (NAFA) report that more than 50 percent of people who purchase fixed deferred annuities also choose to add an income rider. These income riders are also known as guaranteed lifetime withdrawal benefits (GLWB) or guaranteed lifetime income benefits (GLIB).

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What you need to know about Final Expense Life Insurance

Posted on May 28, 2012 at 10:55 PM Comments comments (0)

After you die you won’t have to worry about your unpaid bills.But somebody will. Let’s face it: Dying is expensive. The average funeralcosts $6,500, according to the National Funeral Directors Association, andthat doesn’t include cemetery expenses and other items that can push thebill above $10,000. In addition, the average American owes nearly $9,846 in credit card and other debt, according to the Federal Reserve.And that doesn’t include what̵...

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3 ReasonsWhy Funeral Directors love Final Expense Agents by Alan Benedict

Posted on March 16, 2012 at 1:00 PM Comments comments (0)

Here’s a typical kind of thank-you letter our office receives on a regular basis:

 “Dear local final expense agent, we at Smith and Sons Funeral Home would like to thank you for providing a final expense policy to the Robinson family. Recently we conducted the services for their mother, and the family was most grateful to us. The real gratitude, however, goes to you. Thank you for making the funds available through a burial policy so that we could make her servic...

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