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Would love to hear why some of you sell Term and not Final Expense.
Thanks for your input.
Would love to hear why some of you sell Term and not Final Expense.
Thanks for your input.
Looking for benefits/reasons why an agent would focus on selling Term 100% vs selling FE 100%
Because you are dealing with seniors, who are usually in poorer health and MAY NOT qualify for a term product, or they may not need that much coverage.
Another factor is their age. Do you really want to sell someone at age 60 a 20 year term that is going to run out on them at age 80 if they didn't convert it (if it's even convertible). Would you like to be the one to explain to the client why you sold them something that is going to run out on them?
I'm not saying there aren't reasons a senior would need a term policy, but for simple burial and final expense needs, term is not the answer.