Life insurance agents and brokers hope their clients will never need the term insurance policies they purchased.  I dont know of many sales jobs in which the sales person prefers their clients dont use the product they sold them.

Yesterday, once again I was reminded why I choose to sell life insurance.  We received a call from one of our clients beneficiaries that our client passed away.  She was inquiring about how to file a claim.  It is never an easy conversation for me, but knowing that the life insurance policy my client purchased from me is going to provide for his family for many years, helps me get through the call.

In this profession, its not difficult to get into the daily minutiae involved in selling life insurance policies from completing a mind-numbing amount of paperwork to working with sometimes-stubborn underwriters, etc.  On some days, one can get so wrapped up in these details that one can lose sight of why we do it.

Speaking to my clients recently-deceased wife and helping her navigate through the claims process, I remembered (again) why I sell life insurance.  Sure, I earn a good living and I get to speak with a lot of interesting people from all over the country.  However, it is knowing that I am helping my clients to financially protect their families futures that makes this a great a great occupation. 

I wish I had a dollar for every prospective life insurance client I spoke with who was nervous about getting their blood drawn.  I have even had a few people decide against purchasing life insurance because they couldnt confront the needle.  Medical exams, including blood tests, are part and parcel of the life insurance application.  It provides valuable data to the underwriter as to what type of risk you present to the life insurance company.  A

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Life insurance can be a very reassuring thing to have for some people. However, for many others knowing for sure whether or not they need it can be puzzling. To answer this question it is important to understand the intent of life insurance. Life insurance is designed to protect your dependents in the event you pass away. All too often people are adequately insured for their tangible items but overlook their lives.

As with any type of insurance, life insurance does charge policyholders premiums. These amounts can vary depending upon a number of circumstances. One thing that is look at is a potential policyholder’s overall health as well as their age. Read more…

Why do people buy life insurance? We work hard for a living. Sometimes the income earned affords us a comfortable life. In other cases we just barely make ends meet. Why then should we purchase a product that pays when we die? In some cases these policies are bought because it is simply common sense to protect our families or a possibly a business. In other cases it is a matter of passion. It is a deep desire on the part of a parent or spouse to protect surviving family members.

• Young Married People

It seems obvious why young married people would buy life insurance. You have just said “I do”.

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