Comments on: The Cost Of Waiting! http://hinermangroup.com/blog/uncategorized/the-cost-of-waiting/ The Agency You Can Trust In Life Mon, 28 Jun 2010 15:20:20 +0000 hourly 1 http://wordpress.org/?v=3.0 By: Hinerman http://hinermangroup.com/blog/uncategorized/the-cost-of-waiting/comment-page-1/#comment-6088 Hinerman Sat, 22 Dec 2007 16:17:39 +0000 http://hinermangroup.com/blog/2007/12/15/the-cost-of-waiting/#comment-6088 Well Jennifer, That was a lot of dancing around without offering much substance. I sort of get the sense that you agree with me on life insurance, but think I am substantially lacking because I'm not investment licensed. We all choose to specialize or diversify based on our goals. My goal is to be the best I can be in providing life insurance services. I refer clients to investment licensed professionals to fill that need. It's refreshing to hear that you believe budget and the amount of coverage are very important and that annual reviews are the avenue to get your clients where they ultimately should be. Your comment about guaranteed insurability was interesting. Surely you are familiar with conversion in term policies. If you've studied guaranteed renewable term, you also know that, just as level term becomes unaffordable with age, so does guaranteed renewable term. If you've read all the posts on term, staggering term and conversion over the past year, you would know that the advice I am giving my clients is not lacking. Thanks again for your input. Well Jennifer, That was a lot of dancing around without offering much substance. I sort of get the sense that you agree with me on life insurance, but think I am substantially lacking because I’m not investment licensed.

We all choose to specialize or diversify based on our goals. My goal is to be the best I can be in providing life insurance services. I refer clients to investment licensed professionals to fill that need.

It’s refreshing to hear that you believe budget and the amount of coverage are very important and that annual reviews are the avenue to get your clients where they ultimately should be.

Your comment about guaranteed insurability was interesting. Surely you are familiar with conversion in term policies. If you’ve studied guaranteed renewable term, you also know that, just as level term becomes unaffordable with age, so does guaranteed renewable term.

If you’ve read all the posts on term, staggering term and conversion over the past year, you would know that the advice I am giving my clients is not lacking.

Thanks again for your input.

]]> By: Jennifer Kelly http://hinermangroup.com/blog/uncategorized/the-cost-of-waiting/comment-page-1/#comment-6076 Jennifer Kelly Sat, 22 Dec 2007 02:45:49 +0000 http://hinermangroup.com/blog/2007/12/15/the-cost-of-waiting/#comment-6076 Wow that is some great advice. Some better advice would be to find a company that has guaranteed insurability at the end of their term. Where if they were to become uninsurable or at the least rated at the end of their term, that would not affect their premium. Now that's a revolutionary concept. I put young people in policies all the time on a ten year term because they can't afford the proper length of time currently. We have a plan to readdress their coverage in a couple of years to add length of term at a price they can afford, but NEVER do they sacrifice amount of coverage because of price. We also implement an investment strategy so that they begin to build up their net worth. Of course you'd need to be investment licensed to do something that monumental for your client. We never have to sacrifice or over charge, reduce their coverage or sell them a permanent policy to hope they begin to save for their future. DO YOUR HOMEWORK. Get the coverage you need at the price you can afford. Wow that is some great advice. Some better advice would be to find a company that has guaranteed insurability at the end of their term. Where if they were to become uninsurable or at the least rated at the end of their term, that would not affect their premium. Now that’s a revolutionary concept. I put young people in policies all the time on a ten year term because they can’t afford the proper length of time currently. We have a plan to readdress their coverage in a couple of years to add length of term at a price they can afford, but NEVER do they sacrifice amount of coverage because of price. We also implement an investment strategy so that they begin to build up their net worth. Of course you’d need to be investment licensed to do something that monumental for your client. We never have to sacrifice or over charge, reduce their coverage or sell them a permanent policy to hope they begin to save for their future. DO YOUR HOMEWORK. Get the coverage you need at the price you can afford.

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