William Penn Life, 2005 (40. évfolyam, 1-12. szám)
2005-12-01 / 12. szám
Moneywi$e with Mark Lantz My favorite lines and stories from clients XYZ Insurance Company 123 Main Street Anytown, US 01234 December 1,2005 pay to the order of Mary A. Nonmember________ amount Zero Dollars and 00 Cents $0.00 Proceeds from Policy # ~ --------No Signature Life insurance agents—especially those of us who have spent years dealing with many types of clients—could share any number of stories that may "hit home." Our job is to help you and-especially—your family, regardless of your age. After all, who would want to sell their house, stocks, bonds and mutual funds—or use up their life's savings—just to have enough money to meet their expenses, if they did not have to? Relax. I am not here to sell you anything today. I want to share with you some lines and stories I have heard from my clients. You may find these items amusing. They may even stimulate a conversation between you and your family members, co-workers and friends. If so, then we are here to help everyone. Favorite Lines Here are my Top Five Lines from Clients, along with what your typical agent may think upon hearing them: • Line Number 5 Client: "I have enough at work." Agent: How will they provide for their ongoing needs after retirement? Do they understand that financial responsibilities continue into their senior years? • Line Number 4 Client: "My family has enough money to bury me." Agent: That may be true...but what about the unpaid bills, ongoing living expenses, future bills, plans, retirement nest eggs? How long will their spouses' savings last? • Line Number 3 Client: " I don't like life insurance." Agent: Did I say something wrong? (Smiles) I hope they have enough money to meet all of their family's dreams. The kids really should go onto college or trade school. How will they do that? • Line Number 2 Client: "I am not interested." Agent: Have they analyzed their family's financial needs for the short and long term? Or, are they just afraid to address their own mortality? • And, the Number 1 Line from Clients.... Client: "Not now. I'll deal with it another time." Agent: When? I'm here to help you and your family. What happens if...? Do they know someone who died at a young age? I do. I grew up with a guy who died at 32. He was married and had three young children. Somebody has to deal with it.... Story Time A few years ago, I was at a client's home. She was divorced with two children. She had remarried to a nice man. He did not sit in on this meeting, as she was buying life insurance for herself to protect her children in case she died while they were young. I turned to her and asked if her husband had a life insurance policy. She replied, "no." I asked her if she could keep their house if he died. Mmmm..... I drew a blank check on a piece of paper and said, "This is the amount you'll get upon his death." I then filled in the amount will all zeroes. She called her husband to the kitchen table. "Honey," she said, "you are buying a term policy." The premiums for his low-cost term policy was within their budget. "Good for her, " I thought. "She wants to keep this roof over their heads." Remember: Life insurance is not for you, but for your loved ones. 4 William Penn Life, December 2005
