Term insurance is basic, inexpensive and easy to understand. It gives your client all the coverage they need and none that they don't. That's why it's the best choice for almost everyone.
THE POWER OF GUARANTEES
A policy that provides long-term value to policy owners... Participating Whole life insurance offers a unique combination of guaranteed death benefit protection, guaranteed cash value accumulation, and guaranteed level premiums over a lifetime. Participating Whole life insurance policies may also give your clients the potential to receive dividends.
One reason is that this concept addresses the needs of a large percentage of your clients. More than 10,000 people turn age 65 on a daily basis. Their age and their financial status do not matter. There are an estimated three million households that are potential clients for end of life planning. This is often daytime activity. These sales easily lead to referrals. Issue and commissions are promptly processed. There is even true guaranteed issue for those cases not otherwise eligible for the simplified issue, non-medical final expense coverage.
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