This idea works and you should try it

[Labman]

Mark,

I can assure you that a firefighter who gets killed in the line of duty,notice I said "killed in the line of duty" recieves roughly $300k from the feds. Why some firefighters have not recieved it I don't know. Sometimes a community will work to provide additional funds in addition to what the feds provide.

I work closely with the SC Firefighers Association providing benefits through Colonial Life. They also have a life benefit through Provident as well for on job accident and life if their department so chooses.

While I believe your intentions are good, it's the approach that I'm not fond of. Are you helping them? Certainly. You would do well to also talk with them about disabililty as I mentioned earlier, when talking to them about life. Often times disability is a critical missing component of what they need.

 

[Mark]

Mark,

While I believe your intentions are good, it's the approach that I'm not fond of. Are you helping them? Certainly. You would do well to also talk with them about disabililty as I mentioned earlier, when talking to them about life. Often times disability is a critical missing component of what they need.

I agree with you that we also need to offer them other kinds of insurance. They need all the protection they can get.

My problem with Disability is that most of the D.I. companies that I know don't take fire fighters. I'm sure there are companies out there that do take them, they are just hard to find.

 

[somarco]

There was a carrier a few yrs back that only worked the PRD market and offered up to a 1 yr or 2 yr benefit to police & fire. Could be Central Reserve but don't hold me to it.

Assurity offers DI to govt employees (including police & fire) subject to some benefit restrictions. I don't know much beyond that since that is not my market.

 

[Dave020]

I think Peterson offers high risk occs DI coverage.

Petersen International Underwriters

 

[Labman]

Mark,

You are correct. Disability is almost impossible on the individual level. That is why the association endorsed myself and Colonial. I'm not going into too much detail here, but if you want to shoot me a PM, I will be glad to explain how I think you may be able to expand your business considerably.

 

[tkaldy]

Can this product be written in California?

 

[Labman]

Colonial Life's products can be written in any state in the nation. For an individual to purchase their STD it would have to be offered in a group setting. Firefighters should be no problem as a lot of the guys I know here have the STD product through Colonial.

Colonials cancer product is also popular among firefighters due to the high rate of cancer in the industry. Colonial's cancer product can be purchased by an individual outside of any group setting, though a tad more expensive.

 

[Mark]

Can this product be written in California?

Yes, accidential product is approved in California.

If any of you want to see the idea, but sure and go back the the 1st post on this thread. This can really help you.



Mark Rosenthal
[email protected]
www.realfastservice.com

 

[Mark]

Viddler.com - UHL Training Video - Uploaded by markingriffin <-- I just made this quick training video over the product that I use on this prospecting idea. It will explain the product I use a little bit better and show the application.

http://www.rosenthalfinancialservices.com/_downloadz/accidentaltape.mp3 <--- Here is a old audio tape that I made a long time ago. Also that may help.

Insurance Agent Forum - Page Not Found <--- TO go back and look at the 1st post and learn the prospecting Idea.

 

[somarco]

Someone sent me this living will.

I think I will use it . . .



I,__________________, being of sound mind and body, do not wish to be kept alive indefinitely by artificial means.

Under no circumstances should my fate be put in the hands of pinhead politicians who couldn't pass ninth grade biology if their lives depended on it, or lawyers/doctors interested in simply running up the bills.

If a reasonable amount of time passes and I fail to ask for at least one of the following:

Glass of wine
Chocolate
Margarita
Sex
Martini
Cold Beer
Chocolate
Chicken fried steak
Cream gravy
Sex
Mexican food
Chocolate
French fries
Chocolate
Pizza
Sex
Ice cream
Cup of tea
Chocolate
Chocolate
Sex
Chocolate

It should be presumed that I won't ever get better. When such a determination is reached, I hereby instruct my appointed person and attending physicians to pull the plug, reel in the tubes, let the 'fat lady sing,' and call it a day!




Have a Drink IT'S 5 O'CLOCK SOMEWHERE