RESOURCE: This guide is a part of my larger guide called The Definitive Guide to Workplace Benefits. Be sure to check it out. This is my definitive guide to life insurance. I wrote this guide because a lot of people tell me they don’t understand how life insurance works. I’ve done my best to cover […]
How to Get a (Great) Guaranteed Issue Offer for Your Employees
As I discussed in my types of underwriting offers employees can get at work article, employees just can’t go to their insurance agent and get life insurance without any medical questions. In order to get a policy, they have to go through what is called the underwriting process. If they have a history of any medical […]
8 Problems with Group Term Life Insurance
Group term life insurance is one of the most common employee benefits. It’s a benefit that every employee should definitely enroll in. The reason is because it can be one of the most important benefits their family would receive if they die while they have it. However, there are some common problems with group life […]
What’s the Difference Between Term and Whole Life Insurance?
When I talk with employees about their life insurance, one of the most common questions I get is what is the difference between term and whole life insurance? Even when people know the difference between the two, they sometimes get the names of the policies backward. They might call term life, whole life by mistake […]
5 Reasons a Face-to-Face Enrollment is Needed
The biggest challenge I face in helping your employees is negotiating the access I need with you. If I can’t work out a plan to see your employees, I can’t present a guaranteed issue offer to them. Below, I’ve summarized five specific reasons why I need to meet with your employees in a face-to-face enrollment. […]
Why You Shouldn’t Use Commissioned Enrollers
One reason that negotiating access is sometimes tough to do with employers today is because of agents who worked with their employees in the past. One bad experience with the wrong agent can unfortunately keep the good ones out. Many agents that work with employer groups don’t recognize that it’s a privilege to work with […]