{"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:\/\/www.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<\/p>\n<p class=\"link-more\"><a class=\"myButt \" href=\"https:\/\/www.himmelsteinfinancial.com\/index.php\/resources\/check-your-term-group\/\">Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":2,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-880","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/pages\/880","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/comments?post=880"}],"version-history":[{"count":1,"href":"https:\/\/www.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/pages\/880\/revisions"}],"predecessor-version":[{"id":881,"href":"https:\/\/www.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/pages\/880\/revisions\/881"}],"up":[{"embeddable":true,"href":"https:\/\/www.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/pages\/2"}],"wp:attachment":[{"href":"https:\/\/www.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/media?parent=880"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}