I think it would be accurate to say that we help a lot more people with health issues than people who are just insanely healthy, but let me be very clear, we do a great job helping the insanely healthy as well.
I had a call from a company executive today wanting quotes to replace some group coverage that is going away. After going through the health interview he mentioned that he had been reading this blog (see, someone reads it) and realized that he, being very healthy, really didn’t seem to fit into what he perceived as our average client. He wanted to know if we could help him even he was kind of unchallenging.
Fair question. The truth is that the same things that set us apart in being able to help those with diabetes or bipolar disorder, set us just as far apart in helping completely healthy people.
There is a common misconception out there that if you’re healthy you can go anywhere and you will automatically get the best rate available. That should be true, but it’s not. You can run into something as innocent as an agent that doesn’t happen to be appointed with the company that offers the best rate. You can also be the victim of a big on line agency who steers the bulk of their business to the companies that pay big bonuses for big production. Unfortunately that skips right past some of the best rates that come from companies that never have and never will play that game.
And it is my belief that our service sets us apart no matter what your health is. We treat every application with the importance that it deserves given what it means for you and your family. We stay in touch regularly during the application process and make sure all questions are answered before we help put your policy in force. And then we stay in touch once or twice a year for the life of your policy just so no question ever goes unanswered and also so that you can have the confidence that we’re still here. Same people. Same phone number. Same email.
Bottom line. Those things that set us apart really shouldn’t. Too many life insurance agents think, believe, that it is all about the sale. They push. They use closing techniques. Then they cash their commission check and you never hear from them again. So, really, if you’re healthy it’s OK to contact us for your life insurance needs.