Its been pretty solid for me and I only pay like $5-$10 a month for a policy that covers around $300k.
If i can't bring my life insurance with me, thats fine, I'll get it at my new job and probably at $5-$10/mo again. And if I'm unemployed, then I would rather not have to pay for life insurance. I'll need that money for basic living expenses until I find a new job.
Sorry YangSFG, people like me just aren't your target audience, we already get what you are offering (less wholelife/index options) from our current companies.
However, if I was with a company that didn't offer life insurance and had dependents of my own, then I will most likely call you/other agents up.
Definitely. Sorry if I sounded as if I was trying to push products or methodology. Just trying to make it clear since there a lot of middle class families (lower on the spectrum) who only have employer based life insurance but are not aware that it may not be portable or converted but at a higher individual rate.
I get not everyone may need life insurance. Different strokes for different folks. Although I will say, I do prefer those that do have dependents, ages around 40-50 to have at least term to last them until retirement or least where they no longer have dependents.
For your similar market, Id much rather suggest looking into critical illness insurance instead.
No Im not trying to sell it.
No, Im not contracted with any current companies that would offer it.
I only bring it up because I have it or similar to it through other means and believe in the product.