{"id":880,"date":"2018-12-07T16:15:57","date_gmt":"2018-12-07T16:15:57","guid":{"rendered":"http:\/\/www.himmelsteinfinancial.com\/?page_id=880"},"modified":"2018-12-07T18:56:46","modified_gmt":"2018-12-07T18:56:46","slug":"check-your-term-group","status":"publish","type":"page","link":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/resources\/check-your-term-group\/","title":{"rendered":"Have You Helped Your Client Check Their Term?"},"content":{"rendered":"<p><strong>Have You Helped Your Client Check Their Term?<\/strong><\/p>\n<p><strong>The Disconnects with Group or Association Term<\/strong><\/p>\n<ol>\n<li>Often, it is\u00a0<strong>more expensive\u00a0<\/strong>because healthy employees are subsidizing the unhealthy employees and smokers.<\/li>\n<li><strong>Limited total benefits\u00a0<\/strong>available &#8211; Is it enough?\n<ul>\n<li>Usually 1 x salary paid by employer<\/li>\n<li>Possibly an additional 5x to 8x\u00a0salary at the employee\u2019s cost,\u00a0<strong>which may require underwriting anyway!\u00a0<\/strong><\/li>\n<\/ul>\n<\/li>\n<li>Most people don&#8217;t realize that there are\u00a0<strong>little or no guarantees<\/strong>&#8211;\n<ul>\n<li><strong>The employer\u00a0<\/strong>can eliminate the plan for no reason, because of financial trouble etc.<\/li>\n<li><strong>The carrier can change the rates\u00a0<\/strong>based on group experience,<\/li>\n<li>Often banded in 5-year rate groups,\u00a0<strong>so rates will likely increase every 5 years.<\/strong><\/li>\n<li><strong>Benefits may reduce\u00a0<\/strong>at certain ages like age 65 or 70, or at certain events\u00a0like retirement,\u00a0when leaving the employer, or\u00a0when becoming disabled &#8211; possibly at a time when the coverage is needed most and the employees health has declined!<\/li>\n<\/ul>\n<\/li>\n<li><strong>Lack of portability\u00a0<\/strong>and\u00a0<strong>Lack of conversion<\/strong> &#8211; may be\u00a0Limited \/ Not competitive \/ Not available!<\/li>\n<\/ol>\n<p><strong>Need a Turn Key Program, to &#8220;Check Your Client&#8217;s Term Today&#8221;?<\/strong><\/p>\n<p><strong><a href=\"mailto:paul@himmelsteinfinancial.com?subject=Interested%20in%20Check%20Your%20Term%20Program\">CLICK HERE AND WE WILL CALL YOU TODAY<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Have You Helped Your Client Check Their Term? The Disconnects with Group or Association Term Often, it is\u00a0more expensive\u00a0because healthy employees are subsidizing the unhealthy employees and smokers. Limited total benefits\u00a0available &#8211; Is it enough? Usually 1 x salary paid by employer Possibly an additional 5x to 8x\u00a0salary at the employee\u2019s cost,\u00a0which may require underwriting [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":2,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"spay_email":""},"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/PdUwpZ-ec","jetpack-related-posts":[{"id":885,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/resources\/check-your-term-individual\/","url_meta":{"origin":880,"position":0},"title":"Have You Helped Your Client Check Their Term?","date":"12\/07\/2018","format":false,"excerpt":"\u00a0 The Disconnects with Individual Term The variation of issue classes and how companies rate can be different even within one year of issuing. Some companies have age last birthday versus age nearest birthday. Some companies have 5 classes of issue and some have 4 classes Standard to Preferred to\u2026","rel":"","context":"Similar post","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":264,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/retirement-products\/","url_meta":{"origin":880,"position":1},"title":"Retirement Products","date":"04\/28\/2016","format":false,"excerpt":"A New Chapter for Retirement John F. Kennedy once said, \u201cChange is the law of life. And those who look only to the past or present are certain to miss the future.\u201d This is certainly true of preparing for retirement. If we continue to expect that the ways of the\u2026","rel":"","context":"Similar post","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":434,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/lfgtermaccel\/","url_meta":{"origin":880,"position":2},"title":"LFG Term Accel","date":"05\/11\/2016","format":false,"excerpt":"Lincoln Financial Group TermAccel TermAccel Client Overview and Fact Sheet Introduction to Lincoln TermAccel and benefits offered by the solution. TermAccel Underwriting Guide Updated to integrate Lab-Free. A comprehensive guide to the underwriting process and criteria specifically for Lincoln TermAccel. TermAccel Tele-App Process & Presubmission Checklist Filter Highlights the simplicity\u2026","rel":"","context":"Similar post","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":132,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/advisors\/","url_meta":{"origin":880,"position":3},"title":"25 Items Advisors Need","date":"04\/15\/2016","format":false,"excerpt":"Advisors Can Find Opportunities with Their Clients... \u00a0 and Look like a Hero at the Same Time If you read this and it sparks attention please don\u2019t be afraid to call or email Waiting or talking RMDs only at retirement. If they hate paying taxes now they will hate it\u2026","rel":"","context":"Similar post","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":16,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/products\/","url_meta":{"origin":880,"position":4},"title":"Products","date":"04\/07\/2016","format":false,"excerpt":"Products We Represent We can give you and your client access to many top-notch products from an array of quality carriers. Please use us for any of the following: Life Insurance Annuities Disability Income Long Term Care Retirement Products Questions ? Call Paul !","rel":"","context":"Similar post","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":2,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/resources\/","url_meta":{"origin":880,"position":5},"title":"Resources","date":"04\/07\/2016","format":false,"excerpt":"Make use of our helpful Resource Library Life Insurance Quotes Online Calculators Forms Library Product Search Underwriting Guidelines Sales & Marketing Support Niche Essentials Insured Asset Conversion SBA Super Close Check Your Term - Group Questionnaires Check Your Term - Individual Questions ? Call Paul !","rel":"","context":"Similar post","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]}],"_links":{"self":[{"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/pages\/880"}],"collection":[{"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/comments?post=880"}],"version-history":[{"count":1,"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/pages\/880\/revisions"}],"predecessor-version":[{"id":881,"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/pages\/880\/revisions\/881"}],"up":[{"embeddable":true,"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/pages\/2"}],"wp:attachment":[{"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/media?parent=880"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}