{"id":885,"date":"2018-12-07T17:43:57","date_gmt":"2018-12-07T17:43:57","guid":{"rendered":"http:\/\/www.himmelsteinfinancial.com\/?page_id=885"},"modified":"2018-12-07T21:56:14","modified_gmt":"2018-12-07T21:56:14","slug":"check-your-term-individual","status":"publish","type":"page","link":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/resources\/check-your-term-individual\/","title":{"rendered":"Have You Helped Your Client Check Their Term?"},"content":{"rendered":"
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The Disconnects with Individual Term<\/strong><\/p>\n

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  1. The variation of issue classes and how companies rate can be different even within one year of issuing.<\/li>\n
  2. Some companies have age last birthday versus age nearest birthday.<\/li>\n
  3. Some companies have 5 classes of issue and some have 4 classes Standard to Preferred to Preferred Plus. Others range from Standard to Standard Plus.\u00a0MYTH\u00a0<\/u><\/strong>many brokers believe\u00a0companies without a Standard Plus rating are not\u00a0competitive. In fact, because they do not have a Standard Plus rating, they frequently\u00a0issue policies at\u00a0Preferred\u00a0<\/strong>versus Standard\u00a0– benefiting the client.<\/li>\n
  4. With table shave programs: people in their 40’s, 50’s and even 60’s with issues like diabetes, former cancer, asthma, Crohn\u2019s, etc.\u00a0can get issued Standard<\/strong>– instead of table 2 or table 3.<\/li>\n
  5. Some companies treat things like alternative tobacco or even marijuana\u00a0as if it isn\u2019t there\u00a0<\/strong>while most companies treat them as smokers.\u00a0This can be a huge savings for some clients!<\/strong><\/li>\n
  6. Conversion options lessen over time.<\/li>\n
  7. At certain rate classes and ages,\u00a0permanent insurance can cost less\u00a0<\/strong>than term insurance.<\/li>\n<\/ol>\n

    Need a Turn Key Program, to “Check Your Client’s Term Today”?<\/strong><\/p>\n

    CLICK HERE AND WE WILL CALL YOU TODAY<\/a><\/strong><\/p>\n

     <\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

      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 Preferred Plus. Others range from […]<\/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-eh","jetpack-related-posts":[{"id":869,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/resources\/webinar\/","url_meta":{"origin":885,"position":0},"title":"Webinar","date":"11\/30\/2018","format":false,"excerpt":"When: Thursday December 6th, 11AM Eastern Where: via Webinar Presenter: Paul Himmelstein, CLU, ChFC A national expert in underwriting techniques specializing in: Difficult Cases Business Planning Succession Planning What Will Be Covered in The Webinar? \u00a0 This webinar is a great opportunity for you to hear from Paul Himmelstein, industry\u2026","rel":"","context":"Similar post","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":880,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/resources\/check-your-term-group\/","url_meta":{"origin":885,"position":1},"title":"Have You Helped Your Client Check Their Term?","date":"12\/07\/2018","format":false,"excerpt":"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 - Is it enough? Usually 1 x salary paid by employer Possibly an additional 5x to 8x\u00a0salary at the\u2026","rel":"","context":"Similar post","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":1321,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/the-protected-ira-plus-program\/","url_meta":{"origin":885,"position":2},"title":"The Protected IRA Plus Program","date":"07\/20\/2021","format":false,"excerpt":"https:\/\/protectediraplus.com\/","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":885,"position":3},"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":264,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/retirement-products\/","url_meta":{"origin":885,"position":4},"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":16,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/products\/","url_meta":{"origin":885,"position":5},"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":[]}],"_links":{"self":[{"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/pages\/885"}],"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=885"}],"version-history":[{"count":1,"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/pages\/885\/revisions"}],"predecessor-version":[{"id":886,"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/pages\/885\/revisions\/886"}],"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=885"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}