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Alright, so I just switched my focus to FE (and learning more about life in general) and have been working some leads. The goal was to simplify things for a bit and get a break from the increasing premiums and service issues in health.
Of course, my first sale wants to find out about coverage for the grand kids. Of course, I am going to direct the conversation to coverage for the parents for obvious reasons but we all know how some groups of people (those who are bombarded with gerber grow up commercials all day) are convinced that it's the best gift they can give their grand babies.
SO, assuming the parents are adequately covered; what do you all recommend for kids in the lower income brackets?
If the parents need additional coverage, of course I'll move towards child riders but can anyone tell me which companies child riders are convertible? What happens to the child rider if the parent passes away and the death benefit is paid?
Thanks!
Of course, my first sale wants to find out about coverage for the grand kids. Of course, I am going to direct the conversation to coverage for the parents for obvious reasons but we all know how some groups of people (those who are bombarded with gerber grow up commercials all day) are convinced that it's the best gift they can give their grand babies.
SO, assuming the parents are adequately covered; what do you all recommend for kids in the lower income brackets?
If the parents need additional coverage, of course I'll move towards child riders but can anyone tell me which companies child riders are convertible? What happens to the child rider if the parent passes away and the death benefit is paid?
Thanks!