Accidental Life? AD&D

Apr 25, 2018

  1. myinsurebiz
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    I sold 4 this week. 2 alongside some Term / SIWL and 2 stand alone.

    Advanced over $800 on the week + created $160 a month Pass Thru Commissions.

    2 Stand Alone's took like 45 minutes each including the Presentation and Eapp . . .
     
  2. myinsurebiz
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    #3 for 45 to 64 . . .

    death - causes.gif
     
  3. myinsurebiz
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    They can get both . . .
     
  4. myinsurebiz
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    My experience has been exactly opposite. Young and Healthy can get regular Term just as cheap as AD.

    The sweet spot it seems is 40 to 55 . . .
     
  5. Tahoe Ray
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    I know that you posted this 6 months ago (so it may have been true at that time) but ninjaquoter now has this functionality.
     
  6. Life Underwriter
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    AD&D is a terrible plan. It's a complete ripoff. If a company provides it to you free of charge, sure take it. Otherwise, you need actual Term Life Insurance in force. Whether you die by accident or natural causes doesn't change the actual need for insurance.

    Adequately insure yourself for the amount you need that will pay under any circumstance (Natural or Accidental Death).
     
  7. WinoBlues
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    AD&D is a value if you die in an auto accident. Term is horrible if you die at the average mortality age.

    To many 'ifs' in this business for absolutes. IMohsoHO
     
  8. rousemark
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    rousemark Still Here!

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    I can't count the number of people that I know of that have died with no insurance or those that feel forced to buy very high priced FE insurance to insurance their kids don't have to go into debt to pay for their funeral because they feel prey to the AL Williams "termites' in the 70s -80s.
     
  9. myinsurebiz
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    No it's not if sold properly . . .
     
  10. Life Underwriter
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    That's just a mind blowingly goofy statement. If you need insurance, you need insurance. It's not as if someone needs insurance if they get hit by a bus, but not if they die of cancer.

    The way some people rationalize terrible products is absolutely insane.
     
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