Financial Underwriting:<\/p>\n
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 can afford it and if it is warranted for so much life insurance death benefit.\u00a0 The companies do not want to see a beneficiary have a much larger financial gain substantially higher than the worth or potential worth of the insured.\u00a0 Yet we all know that many people are using the products for accumulation and distribution and often the face amounts to accept such premiums are sometimes hard for the companies to accept.\u00a0 One of our preferred provider companies just came out with more realistic guidelines so that one gets their cases issued as they proposed.\u00a0 Please look at the link to see Lincoln\u2019s announcement<\/p>\n
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We have been having success in some niche marketing with some of the advisors and producers.\u00a0 We have some new programs such as Have you checked your term today? SBA Superclose? Does Your Business Have a Will, Cigar Pipe Smoker Insurance, Cannabis users, etc.\u00a0 These campaigns make a focused marketing to the clientele that many of us might desire.<\/p>\n","protected":false},"excerpt":{"rendered":"
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 can afford it and if […]<\/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-cv","jetpack-related-posts":[{"id":469,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/simplified-issue-competitive-term-with-excellent-commissions\/","url_meta":{"origin":775,"position":0},"title":"Simplified Issue Competitive Term with Excellent Commissions","date":"05\/11\/2016","format":false,"excerpt":"The Operative words are EASY and QUICK. Companies are finally coming to the market with EASY issue term that doesn't require the usual hassle of APS's, blood or urine. In addition, your cases will get issued in less than a week in most situations. Best of all unlike other companies\u2026","rel":"","context":"Similar post","img":{"alt_text":"blogimage1","src":"https:\/\/i0.wp.com\/www.himmelsteinfinancial.com\/wp-content\/uploads\/2016\/05\/blogimage1.png?resize=350%2C200","width":350,"height":200},"classes":[]},{"id":772,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/secrets-of-underwriting\/","url_meta":{"origin":775,"position":1},"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":636,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/underwriting-basics\/","url_meta":{"origin":775,"position":2},"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":576,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/pot-smokers-can-get-preferred-non-smoker-rates\/","url_meta":{"origin":775,"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":775,"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":943,"url":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/have-you-checked-your-clients-term-today\/","url_meta":{"origin":775,"position":5},"title":"Have You Checked Your Clients Term Today?","date":"02\/01\/2019","format":false,"excerpt":"Have You Checked Your Client's Term Today? Term Insurance - Easy And Profitable Everybody Has Term Insurance Through work Through Association Individual All Of These Policies Have Disconnects *Click Here for\u00a0Disconnects for Group and Association\u00a0 *Click Here for\u00a0Disconnects for\u00a0Individual\u00a0Policies Items to Check on All Policies For Comparison Age Last, Age\u2026","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\/posts\/775"}],"collection":[{"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"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=775"}],"version-history":[{"count":1,"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/posts\/775\/revisions"}],"predecessor-version":[{"id":776,"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/posts\/775\/revisions\/776"}],"wp:attachment":[{"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/media?parent=775"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/categories?post=775"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staging.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/tags?post=775"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}