{"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:\/\/www.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<\/p>\n

    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-885","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/pages\/885","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=885"}],"version-history":[{"count":1,"href":"https:\/\/www.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/pages\/885\/revisions"}],"predecessor-version":[{"id":886,"href":"https:\/\/www.himmelsteinfinancial.com\/index.php\/wp-json\/wp\/v2\/pages\/885\/revisions\/886"}],"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=885"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}