I ALREADY HAVE LIFE INSURANCE THROUGH MY EMPLOYER: Employer-provided life insurance is a great benefit, however if you change jobs or your employer discontinues the benefit, you can lose coverage. If that happens in many years and you want to reapply, you will be older and might not be able to apply for life insurance or at a very high price. Having a personal life insurance policy ensures you maintain coverage regardless of your employment situation. In fact, we have a product which is the most popular for people who already have life insurance at their employer. it is called Flex Life because it is flexible, you can decrease increase the premium anytime and if nothing happens with you and you decide to cancel, you get all your money back. Do you have about 5 minutes? I would love to show you a few options. I DON'T TRUST INSURANCE COMPANIES/SKEPTICAL CLIENT I understand that trust is crucial when choosing an insurance provider. The reason why I am representing National life Group. Life Group is because it has been around since 1848 (175 years) surviving two world wars, market crashes, and COVID-19. It is very important to choose a company with long history and reputation. Also, National Life Group is the only company in the U.S. that has 5 living benefits included for no additional cost. I have reviewed all insurance companies’ products in the U.S. and none of them offers this benefit, that’s why I am helping my clients with these solutions. fact, we have a product which is the most popular, it is called Flex Life because it is flexible, you can decrease increase the premium any time and if nothing happens with you and you decide to cancel, you get all your money back. Do you have about 5 minutes? I would love to show you a few options. I’LL JUST INVEST MY MONEY INSTEAD. (REAL ESTATE ETC.) Investing is an important aspect of financial planning, but it shouldn't replace life insurance. Life insurance provides a guaranteed financial safety net for your family in the event of your passing, while investments can be subject to market fluctuations. We have a product which is the most popular for people who like to invest, it is called Flex Life because it is Flexible with accumulation value based on the S&P 500 which is growing TAX-FREE and you can decrease increase the premium any time and if nothing happens with you and you decide to cancel, you get all your money back. Do you have about 5 minutes? I would love to show you a few options. I DON'T HAVE TIME TO DEAL WITH THIS NOW: No worries, I also have a policy review for my client in 15 minutes. Would tomorrow the same time work for you, so I can answer all the questions you have? CAN WE GET BACK TO THIS IN A FEW WEEKS/MONTHS/NEXT YEAR? If you wait a few weeks or months, your age will increase, and the company will calculate the premium based on your new, higher age. Even a one-year difference in age can have a substantial effect on the premiums you pay over the life of the policy. We have a modern life insurance product called Flex Life which you can start with something you can afford now and increase in the future. It is called Flex Life because it is flexible, you can decrease increase the premium any time and if nothing happens with you and you decide to cancel, you get all your money back. Do you have about 5 minutes? I would love to show you a few options.
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