Why Are You Still Selling Life Insurance With Lifetime Guarantees?

May 30, 2024 by J. J. Bowman

Permanent life insurance comes in many forms. Too often, however, clients are presented as if only two types exist: “guaranteed” and “non-guaranteed.”

Whether intentional or not, framing the choice this way creates a false dichotomy and too often leads clients toward solutions that don’t best meet their needs. In my experience, the most successful producers take a different approach.

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Wink’s Moore on the Market: Have you ever thought about positioning a life insurance no lapse guarantee as a warranty?

The basic no lapse is the manufacturer’s warranty.

The extended no lapse is the extended warranty.

My friend J.J. Bowman at John Hancock has some other good ideas in this one. -sjm

Originally Posted at Think Advisor on May 24, 2024 by J. J. Bowman.