Sentences with phrase «life insurance agent say»

When you hear a life insurance agent say «buy your life insurance as soon as possible» he is giving you valuable advice, take it.

Life insurance agents say it's common for one spouse to be the driver behind a life insurance purchase.

For these reasons, some life insurance agents say purchasing life insurance on a child can be a smart financial move, but many financial advisors caution against it.

Well, my brother and I didn't know until after my older brother died and the life insurance agent said that he (older brother) had taken life insurance policies out on the both of us, hoping that I or my younger brother would die before him.

Not exact matches

Despite a drop in fixed indexed annuity sales last year, the president of American Equity Investment Life Insurance Co. said Friday the company has no intention of steering sales away from the independent agent channel.

LOS ANGELES (AP)-- A California grandmother who lost her life savings in a real estate investment scam offered by an insurance agent was awarded more than $ 15 million Wednesday in a lawsuit against MetLife and two subsidiaries, attorneys said.

A benefits counselor and independent insurance agent with Colonial Life, Foxx has been active in the community and said he hoped voters would want to elect «someone who recognizes that times are changing.»

«We are living in a time when courageous choices are needed for us to improve as individuals and as a society,» said Jason Calianos, an Allstate insurance agent from Roxbury who provided opening remarks to Boston's Community Conversation on December 9.

Jason Owens, sales specialist with the Cole Thornton Agency of American Family Insurance in Independence, Kansas, says that the right insurance agent will ask key questions about what you are protecting, whether you are buying life, auto or homeowners iInsurance in Independence, Kansas, says that the right insurance agent will ask key questions about what you are protecting, whether you are buying life, auto or homeowners iinsurance agent will ask key questions about what you are protecting, whether you are buying life, auto or homeowners insuranceinsurance.

You'll want to check with your agent to make sure, but the National Association of Insurance Commissioners (NAIC) says that students who are younger than 26 and living on campus may be covered through their parents» policy.

As some agents like to say, you can even name your «secret lover» as a life insurance beneficiary.

A CFP should offer objective advice regarding insurance and not have quite the same interest as the agent pushing say, whole life.

Many people say it and if you have ever listened to a sales pitch from a life insurance agent then no doubt covering the tax advantages of life insurance was one of their key talking points.

Life insurance agents like to say Variable Universal Life insurance products will allow you to retire earlier with more money, because you can take tax - free loans instead of withdrawals, and almost never pay any taxes.

Swedlove says it will take time to train the Canada's 95,000 agents that sell life insurance, who are mostly independents working with one or more of the CLHIA's members.

Please note that all of this is NOT saying you shouldn't invest - it's saying that you'll most always do better by doing - it - yourself (AKA DIY) using no - load mutual funds, or by hiring a fee - only financial advisor (instead of a commission - based life insurance agent).

For example, life insurance agents like to say Variable Universal Life insurance products will allow you to retire with earlier with more money because you can take tax - free loans instead of withdrawals, and almost never pay any talife insurance agents like to say Variable Universal Life insurance products will allow you to retire with earlier with more money because you can take tax - free loans instead of withdrawals, and almost never pay any taLife insurance products will allow you to retire with earlier with more money because you can take tax - free loans instead of withdrawals, and almost never pay any taxes.

HDFC Chairman Deepak Parekh has sought lowering of agents» commission in unit - linked insurance products (ULIPs), saying these payouts should not be the same as those in the traditional life insurance policies.

«Many people have finished living spaces in the basement and are very surprised and confused to find that much of that is not covered,» says Lisa Lindsay, executive director of the Private Risk Management Association, a national group for insurance agents that serve high net - worth clients.

Irda said the priority of agents and insurers should be to keep the existing life insurance policy in force.

With that said, life insurance underwriters see a lot of people applying for life insurance with Crohn's, but it's a very tricky risk to underwrite and requires more work for a life insurance agent to make sure they gather all the information available and paint your risk in the most favorable light possible.

P.J. Thompson, a life insurance agent based in Massachusetts, said that in a few cases, his clients have been able to get rated as a non-smoker - similar to how life insurance companies treat «celebratory cigar» smokers.

Both life insurance agents and brokers will help you assess your life insurance needs; arrange for the purchase of a policy; provide ongoing support (say you want to change your beneficiary, renew, convert or change your coverage amount); and help your beneficiary submit a claim should you die while the policy's in force.

«Spoken like a great life insurance agent,» he says in response to term life insurance being a bad product because it «runs out,» not bothering to hide his sarcasm.

Sure, they say their advice is free, but are you paying more for life insurance because you're using an agent?

Let's say Robert, who lives in Texas, buys a variable life insurance policy from his local insurance agent.

But HIV - positive people typically can not buy individual life insurance policies, beyond minimal coverage, at any price, insurance agents said.

In an Agent Media / Life Insurance Settlement Association (LISA) 2011 Life Settlement Market Study, nearly 25 percent of agents said that greater consumer awareness of life settlements would help them foster more settlement opportunitLife Insurance Settlement Association (LISA) 2011 Life Settlement Market Study, nearly 25 percent of agents said that greater consumer awareness of life settlements would help them foster more settlement opportunitLife Settlement Market Study, nearly 25 percent of agents said that greater consumer awareness of life settlements would help them foster more settlement opportunitlife settlements would help them foster more settlement opportunities.

It's just something cool term life insurance agents have learned to say to avoid bashing whole life all together.

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That's why it's important, regardless of your living situation, to have insurance to protect your personal items in case of disaster, agents say.

«To make the most of your insurance dollars, it is very important that you let your insurance agent or company representative know about alterations to your home and other major events in your life,» says Jeanne M. Salvatore, senior vice president and consumer spokesperson for the I.I.I. «A great way to start the new year off on a firm financial footing is to discuss your current insurance needs with your agent, broker or company representative to make sure that it is up - to - date.»

Does an insurance broker receive a salary?That's a dirty little secret the insurance industry does not want you to know, for fear it could kill the sale.If the public knew that general agent gets 120 percent or which I get 85 percent associated with first - year premium, that could be an eye - opener,» admits one life agent, who spoke on condition of anonymity.For example, why don't we say you purchased an entire, universal, variable life or term life policy from Ann and paid $ 1,000 in premiums the initial year.

Life insurance agents see a lot of people who say they're the picture of good health who haven't needed to see their physician within the last few years and when the lab results come, they're shocked at their elevated cholesterol, blood pressure, triglycerides or whatever it is.

«Not having any life insurance that is personally owned when you retire can create a gap in your coverage,» says Angela Johnson, a Farmers agent and owner of Angela Johnson Insurancinsurance that is personally owned when you retire can create a gap in your coverage,» says Angela Johnson, a Farmers agent and owner of Angela Johnson InsuranceInsurance Agency.

With that said, without the answers to these questions regarding your stent surgery, a life insurance agent can't accurately assess your specific risk.

By the way, if you have been encouraged by Primerica agent to cancel your whole life policy, for one of their term plans, one of the best known life insurance fraud investigators in the United States suggests that you «just say no».

«With EstateWise ® Platinum, agents, banks and financial advisors can offer a dynamic life insurance product that doubles as an estate planning tool,» said Craig Simms, Senior Vice President and Chief Marketing Officer at Vantis Llife insurance product that doubles as an estate planning tool,» said Craig Simms, Senior Vice President and Chief Marketing Officer at Vantis LifeLife.

Some of the smarter life insurance agents that I have spoken with will say that indeed whole life insurance does not compare with 401Ks and Roth IRAs.

That said however, we will have an agent reach out to you via email so that they can determine whether or not you'll be eligible for an life insurance policy offered by Sagicor Life Insurance complife insurance policy offered by Sagicor Life Insuranceinsurance policy offered by Sagicor Life Insurance compLife InsuranceInsurance company.

You'll want to check with your agent to make sure, but the National Association of Insurance Commissioners (NAIC) says that students who are younger than 26 and living on campus may be covered through their parents» policy.

When I say an expert I am referring to an actual licensed agent or broker who actually specializes in life insurance as his or her main product line.

OK... I know that if you have a life insurance agent you really trust, nothing I say is going to get you to buy term insurance from someone else.

For an example, let's say that the agent is paid a 60 % rate of commission on a whole life insurance product with first year premiums due of $ 4,000 (or about $ 333 per month).

The physical life insurance policy outlines every right and limitation of the coverage, and it would be difficult to say the least for an agent to go over these details with their clients before the policy is delivered.

The agent will show you a «reentry» price, but might not tell you that (1) it's not guaranteed and (2) to get that coverage, you'll have to pass a medical exam, says Bob Barney, president of Compulife Software, which provides agents with software for pricing term life insurance.

«The vast majority of individuals should buy term life coverage anyways, despite what some sales agents say,» Stauffer says, adding that commissions are much higher on permanent life insurance policies.

«What typically happens is your five years older, so you won't qualify for cheaper insurance,» said Darci Gutierrez, an independent life insurance agent.

Some insurance agents may disagree, but Canton says term life insurance can be a big waste of money.

Munish Sharda, MD & CEO, Future Generali Life Insurance, said, «We don't have an online term plan, but offer offline term plan (sold by agents).