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Every year millions are needlessly declined for life insurance or approved and paying far more than they need to. For 14 years, I have specialized in turning those situations around and finding the right life insurance solution at affordable rates. I give every client the personal attention they deserve. If you need assistance with your Life Insurance, please call me TOLL FREE at (866) 539-7914 for a free consultation .

2 responses to “Know Where Your Life Insurance Agent’s Heart Is!”

  1. renalto

    I am based in Minnesota & are curious as a new agent what your commission rates are Ed and if you also sell with all major carriers. Bailing out of this thing they are calling IUL.It sucks and can’t go on deceiving my clients

  2. Tom Hearne

    Couldn’t agree more, Ed. The client must be comfortable with the worst case. I’m also new to life insurance, but all my training has been about putting the client first. I happen to like IULs for the right situation – not as safe as Whole life, not as risky as VUL – assuming that the client is a candidate for CVLI at all.

    A cap and floor on the interest based on, say, the S&P500 creates risk profile that can’t be easily duplicated in the market – but, again, the customer must understand how the CV itself is derived from the premiums paid.

    We deal in complex products with both strengths and weaknesses. Knowing the clients specific needs is critical…