Understanding Your Clients Needs

You have many options to do your business with.  Most of our competitors simply spreadsheet pricing for you and your potential client. While price is definitely a consideration, many other things could trump price. 

For instance, a spreadsheet doesn’t show differences in conversion options on a term policy.  If considering a permanent policy with guarantees, some companies perform much better when premiums are skipped or paid late. 

When it comes to adding a Long Term Care or Chronic Illness Rider, does it matter if the payments are reimbursement or indemnity? What about the options for care giving? Some offer the ability for family members to provide the care. 

We work hard to learn about the goals of your client, what options are necessary and nice to have.  By digging deeper up front, we minimize possible issues during the application and underwriting process. 

Drop us a line to discuss your next case!