Comments for Insurance For Free

Comment on Need To Target Health Insurance Clients, Do You Have A Good Model? by raympe6

raympe6 — Tue, 13 Jul 2010 19:24:20 +0000

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Comment on What Happens To The Dividend Option Term Rider On A Whole Life Insurance Policy? by Anonymous

Anonymous — Tue, 13 Jul 2010 15:35:55 +0000

The purpose of a dividend option is to purchase paid up additions or term insurance for a specified amount of time (5 years, 7 years, ect.). It sounds that you are doing the latter and are using your dividends to repurchase term insurance at your attained age. This would cause an increase in the premium cost. You might consider paid up additions. The amount of insurance would be less, but you would avoid the higher cost you mentioned.

Comment on Need To Target Health Insurance Clients, Do You Have A Good Model? by mhaize

mhaize — Tue, 13 Jul 2010 13:43:39 +0000

I don’t mean to be rude and I hope you don’t take it as such… but I think your reasoning is… askew. The whole point of marketing is to find some association with the client on an EMOTIONAL level. Then use education and numbers to make sure the association reaches them. Let’s look at it that way for a moment. First off, everybody needs health insurance. Then, if you want to sell private health insurance, the only people who will want to buy are the people who don’t have it through some other source (work, government aid… etc.) At this point, you will probably find lots of single parents who have a job and make too much for government aid, but don’t have health insurance through their work. Then, when you look at their household incomes and household expenditures, you will see why selling private health insurance is so difficult. They don’t have very much left. You have several advantages actually. Everybody knows they need it. Everybody wants it and they will search out the most unlikely and far-fetched rumours they hear, trying to get it. But they can’t afford it. Now we have your demographic target and your hook (technically called the “emotional recall cue”) Now it’s time to use the brains and the numbers. What if, instead of your psychographical data… you worked with the accounting dept. to figure out some way that LOW income people could afford your plan. Yes, I know, management wants you to recruit middle class clients. But if you change your program to accomodate lower class clients, you will actually be recruiting the people they want because government subsidy (so to speak) has thrown off your demographic net worth numbers. So, now we have our emotional hook. Amazingly simple… health care that the working single parents can honestly afford. If you can make that happen, you will dominate your industry. I promise you that they will beat a path to your door. You could have the crapiest marketing material on the continent (I wouldn’t advise it, but you could) and you will still see double digit growth rates… quarter after quarter. Your problem will be this: the risk of serious illness will be hard for your management to gamble on. They will balk at the idea… I promise that too. The question is: do you want to succeed in your industry or do you want to be a great salesperson. If you just want to sell then throw all that data and all those formulas away and work with a creative marketing consultant on a fantastic viral campaign.

Comment on Can A Parent Have Their Married Daughter On Their Health/auto Insurance? by Heather

Heather — Tue, 13 Jul 2010 11:31:39 +0000

Health insurance – no. The daughter is married and needs to have her own insurance or be on her husband’s.
Auto – yes.

Comment on What Happens To The Dividend Option Term Rider On A Whole Life Insurance Policy? by Clarifin

Clarifin — Tue, 13 Jul 2010 11:30:24 +0000

This is a good question for your agent or customer service because dividends are not guaranteed and may have a significant impact on your policy if they change. If the term portion of your policy is dependent on dividends, then it is not guaranteed at your current premium. As you mentioned, you may have to pay more premium to keep the same amount or reduce your coverage if the insurance company’s dividend changes.
Also, I wouldn’t use the phrase “lowest cost” because there may be a less expensive way for you to achieve the same goal. I always recommend someone who is looking for life insurance consider the opinion of more than just one source.
Good luck

Comment on Can A Parent Have Their Married Daughter On Their Health/auto Insurance? by Doctor Deth

Doctor Deth — Tue, 13 Jul 2010 10:53:51 +0000

why isn;t the married person on her husband’s health insurance?

Comment on Any Creative Marketing Ideas For Auto/home Insurance In California? by monkey f

monkey f — Tue, 13 Jul 2010 08:41:05 +0000

Since I am no longer in the Personal Sales line of insurance I am willing to give up what was successful for me. I am lunch and learn seminars to different business on insurance. In order to gain x-dates and further interest from potential clients I held a raffle at the lunch and learn with cards asking for their current home/auto carrier and x-dates. I got more bang for my buck. I would go into a business (realestate agency/mtg broker) and ask them if I could give a free insurance seminar on a topic I thought they would find interesting. A biggy right now is Identity Theft. I would take no longer than 45 min while they were eating lunch and give my seminar then after stay for questions. It is amazing how many leads you can get in a one time seminar. The real estate agents not only gave me their business but referred clients to me. Good luck and really just have fun with it. If you are in insurance sales you are more than likely a people person so enjoy. If you like golf like I did sponsoring a hole in a golf tournaments is also allot of fun and money well worth the spend.

Comment on Can A Parent Have Their Married Daughter On Their Health/auto Insurance? by mbrcatz

mbrcatz — Tue, 13 Jul 2010 07:46:31 +0000

Health, no. Auto, yes.

Comment on Can A Parent Have Their Married Daughter On Their Health/auto Insurance? by Zarnev

Zarnev — Tue, 13 Jul 2010 07:28:29 +0000

Not with health insurance. Once a child is married they are considered a responsible adult and therefor must get on their own policy. With auto insurance if she is still in the household she can be on the policy with many companies but the husband also needs to be on the same policy. You’ll need to ask your auto agent to be sure.

Comment on Does Home Insurance Varies In Price Like Auto Insurance? by Rema Onwunli

Rema Onwunli — Wed, 07 Apr 2010 16:31:40 +0000

The protection offered by building and contents insurance, can cover a valuable home and all of its contents against a huge range of risks, but if you are one of the many people struggling to afford the mortgage that comes with a new house your first home then there are various government initiatives to help, it is not hard to find them.