kerwin_sun_life wrote: »
thanks for your interest.
As professionals I would like to interview you personally.
rather than just post the cost.
Insurance is not a commodity.
thanks again... please read private message.
Cendrick wrote: »
I don't agree with "Insurance is not a commodity"...
It's a commodity in a way that its being offered by a seller (insurance company/agent) to a prospective buyer(client/proposed insured/prospective policy owner) like the other products offered in the market. You should have just mentioned or added its difference with the other products in the market.
You should have also mentioned that insurance is a security, a financial security and also a form of investment in case of VUL products. A normal/ordinary individual without enough knowledge about insurance would say that insurance not beneficial as they will not profit on it and will not enjoy the benefits until only the time of their death (how can they enjoy them if theyre already dead??). Insurance is a financial security for your love ones whore dependent on you or will suffer financial difficulty should you die.
BigoteAtBalbas wrote: »
Just bring the cost down so everyone can afford it. Take out your commissions if you really care.
metropolitan wrote: »
no offence pero i'd rather stay away from insurance agents like you. ang habol niyo lang ay sales and commissions.
wala naman talaga kayong pakialam sa financial well being namin.
EduManzano wrote: »
What you need to know about life insurance!
1. Not everyone needs one. You only need it if someone would suffer financially when you die. A good example is if you're the sole breadwinner in the family. But if say, you're single and noone depends on you financially, there is no point having a life insurance.
2. Do not mix life insurance with investing. Most companies that do this don't do a good job of investing your money. One reason is that they have to give 100% of your first year premium to the agent. Then a fraction thereof afterwards. Instead, get a term life insurance where you only pay for the insurance part. It does not have any cash value other than what your beneficiary gets upon your death. It is very, very cheap compared to insurance with investment. Best of all, you don't have to pay a lot in agent commissions.
Remember, if you want to invest, open up an investment account and do it yourself. If you need life insurance, just buy life insurance, nothing more.