Term life insurance is best suited for short-term needs. The monthly premiums are typically less expensive than whole life insurance premiums. A term life policy is meant to satisfy larger life insurance needs, such as mortgage protection or income replacement and will have an end point (term period) at which coverage will cease.Whole life insurance...
Your life sales representatives (LSRs) are here to help! Here are some key ways they can assist you: Provide tips about how to start the life insurance conversation and uncover your client’s needs Answer any questions regarding products Help you develop an appropriate proposal that provides a solution to your client’s risk challenges Assist you...
No matter what stage you are in life, life insurance is always important to consider. Whether you are single or have five children, someone depends on your life insurance if the unthinkable were to happen. Single with no children Even if you aren’t married and without children, there are still financial obligations to fill if the unthinkable...
Do you know how much life insurance your clients need? Most experts recommend up to 7x – 10x their income. It may seem like a lot, but ask your clients the following questions to figure out how much life insurance they need:Debt – What your current debt load?Income – How many years does your family...
Most people own less life insurance coverage than what’s needed to meet their needs. EMC National Life is here to help you uncover your client’s needs by completing the simple L.I.F.E. assessment below.There are many reasons to own life insurance; most consumers want to be sure they are taking care of their family by covering...
There are many common misconceptions surrounding life insurance. At EMC National Life, we are here to help educate and debunk some of these myths. Below are the top five myths that keep consumers from buying life insurance:“Life insurance is too expensive” – According to LIMRA, millennials overestimate the cost of life insurance by over 200%. Your...
