The representatives are afraid<\/p>\n The clients are afraid<\/strong><\/p>\n Life is great. \u00a0Now companies have to make sure the printouts they arm us with are ones the company can deliver over time. \u00a0Ain\u2019t that a kick in the pants.\u00a0\u00a0Isn\u2019t this what companies were\u00a0suppose to be doing\u00a0all along. \u00a0Now Insurance companies can have significantly more costs.\u00a0\u00a0\u00a0They are also\u00a0concerned about\u00a0their product having too many guarantees that\u00a0they risk the use of their tieing up reserves.\u00a0\u00a0The agents representatives and advisors are afraid that the products lose the sexiness without showing those sexy lofty returns over a long period of time.\u00a0 Now they\u00a0must illustrate more realistic interest rate hypothetical\u2019s that\u00a0 match what their experience has done. The Bad\u00a0<\/u> The Opportunities<\/p>\n The Companies are afraid The representatives are afraid The clients are afraid Life is great. \u00a0Now companies have to make sure the printouts they arm us with are ones the company can deliver over time. \u00a0Ain\u2019t that a kick in the pants.\u00a0\u00a0Isn\u2019t this what companies were\u00a0suppose to be doing\u00a0all along. \u00a0Now Insurance companies can have […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":""},"categories":[1],"tags":[],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/pdUwpZ-64","jetpack-related-posts":[{"id":636,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/underwriting-basics\/","url_meta":{"origin":376,"position":0},"title":"Underwriting Basics","date":"04\/12\/2017","format":false,"excerpt":"Underwriting At Its' Best in the Current Market If you have been in the business for a longer period of time, over 10 years, then you have seen significant changes in underwriting.\u00a0 What you experienced in the past should not necessarily be a sign of the future. Companies now use\u2026","rel":"","context":"Similar post","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":775,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/financial-underwriting\/","url_meta":{"origin":376,"position":1},"title":"Financial Underwriting","date":"02\/07\/2018","format":false,"excerpt":"Financial Underwriting: When one is writing those larger cases and even some smaller ones the advisor agent can\u2019t assume just because the client wants it that the insurance company will accept the client for what they apply for.\u00a0 Just like a mortgage the company wants to know if the client\u2026","rel":"","context":"Similar post","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":772,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/secrets-of-underwriting\/","url_meta":{"origin":376,"position":2},"title":"Secrets of Underwriting","date":"02\/07\/2018","format":false,"excerpt":"Some Underwriting Secrets There are certain companies to go for certain conditions. We know companies that favor people with Heart Disease, diabetes, cancer,etc. We have one company that has given us a standard issue on cases like Parkinson\u2019s, Juvenile Diabetes, Stent patients, Minor cardiac Issues, Former Hep C, and even\u2026","rel":"","context":"Similar post","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":576,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/pot-smokers-can-get-preferred-non-smoker-rates\/","url_meta":{"origin":376,"position":3},"title":"Pot Smokers can get Preferred Non Smoker Rates","date":"09\/28\/2016","format":false,"excerpt":"\u00a0 That's right the headline speaks for itself.\u00a0\u00a0 Many states have either legalized pot for medicinal purposes and some states have allowed using it for recreational use as well. \u00a0 In the past it was a no-no for anyone even applying for insurance to ever admit that they smoke weed\u2026","rel":"","context":"Similar post","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":456,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/the-art-of-big-cases\/","url_meta":{"origin":376,"position":4},"title":"The Art of Big Cases","date":"05\/11\/2016","format":false,"excerpt":"The Art of Big Cases This newsletter will be part 1 of 2 where the second one will be about concerns and characteristics of the big client.\u00a0 Don\u2019t ignore this article if you are in the marketplace as many professionals that have been in the business for a long while\u2026","rel":"","context":"Similar post","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":469,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/simplified-issue-competitive-term-with-excellent-commissions\/","url_meta":{"origin":376,"position":5},"title":"Simplified Issue Competitive Term with Excellent Commissions","date":"05\/11\/2016","format":false,"excerpt":"The Operative words are EASY and QUICK. 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\nGood<\/u>
\n1) We will have more realistic illustrations as well as our competitors will be forced to show the same.
\n2) Companies must show more realistic variable borrowing rates\u00a0than in the past
\n3) We must be more creative and understanding of our clients and prospects and provide solutions
\n4) It will force people to believe more in cash value products that have real cash in them
\n5) It\u00a0forces the unscrupulous and\/or the non educated in our industry to become a better asset to their client
\n6) Companies are buying out old guaranteed contracts and are offering lucrative conversions<\/p>\n
\n1) Insurers who have already taken their GUL\u2019s away now are discontinuing other products.
\n2) It makes it a little harder for ourselves to over promise and under deliver with lofty projections
\n3) Many companies are limiting the use of their historical illustrations<\/p>\n\n