Term Life Insurance-Term Life Insurance Rates

denasmiles! asked:


It was at the the end of a day-long sales training program with a group when one of the business owners piped up, “What we need are some *** guys to sell our merchandise.” She was asked, “Why specifically *** men?”

She answered, “Because when we visited stores yesterday in the City, they were out and willing to tell anyone in a matter-of-fact way. They were personable, fun, you just wanted to buy from them.” I understood from her descriptions of several of these guys why she would want them to work for her.

Expressive gays tend to be extroverts who occasionally tend to make their private business public and sharing information without boundaries. The Expressive is the Grasshopper living for today. Recognized by customers for their uniqueness. Again, their enthusiasm and energy are the spark plugs for your team.

Their enthusiasm can make them feel a bit invincible at times; and can overwhelm Analyticals who want “just the facts.”

Expressive personalities have to process externally while Driver and Analytical personalities don’t. The downside to an Expressives’ natural inclination to show multiple possibilities might require the customer to bring them back to the product the customer is considering, not all of the other possibilities. Their natural enthusiasm can also inflate products’ benefits without devoting time to adequately explaining why.

But I can see how it could easily be confused. An Expressive guy comes out, has to deal with the social ramifications and decide he’s OK with it. Because of coming through that process, there is no baggage so he is free to let himself be open to meeting others. I am okay with me being me. But will the boss and the world be okay with the new me?

That all stems from the basic Expressive personality. In other words, what this owner identified was the personality type that happened to be gay; not a *** person. With me?

The Expressives I think are the most challenging of all the personalities. Their very energy is what keeps many from hiring them. Their creativity, individualism and self-assuredness can be threatening. And when you’re trying to teach them a rigid process your Analtyical employees can easily take to, this personality will constantly challenge why they have to do it “that way.” They will complain their creativity is being stifled – they feel like robots.

What we have to remember is the Expressive is the spark-plug to your crew. They are the one that adds color, excitement and fun.

Is that a *** thing? Or a sales thing?

Should you recruit *** men to sell your stuff? Do yo think business people wold buy6 products and services from a *** guy?

Do women tend to trust *** guys who are expressive? Yes?

You don’t need a lot of Expressives on your sales force but at least one keeps things interesting and fun for your crew and your customers.

My question is selling traditional dry and boring products like insurance, health,Long Term Care in the home. with my french nails, arched brows, sparkly personality do I you think it will work for me or that I am living in a fools paradise and will be received with a thundering thud.

I am not the same as I was a year ago ( In am open now, wasn’t then and there have been hormonal changes too) and I want to reenter the workplace as I am not as I was. What do you think, be nice but be honest. Work places tend to be conservative and traditional and some industries even more so. Help me please !!! LOL

Really some thoughtful advice will be appreciated.

Johnny Bozich

aelp asked:


My husband and I both have odd life insurance policies. They are considered term policies because they do expire, but as long as we don’t die, we get all our premiums back at the end. It was a new type of product they were offering. Since we are young (25) we thought it was a good idea because basically when we turn 45 we get all that money back to do with as we please.
Anyways, what if AIG can’t pay us back in 20 years…?

Nick Dehart

kygirlflgirl asked:


I would REALLY appreciate anyone w/ life insurance (or stubborn husband) experience!!!
I am 38 and my husband is 49. My husband is the sole income provider of our family.
Since our first child’s birth, I have tried to discuss with him the importance of planning for our deaths. Our oldest son is 15, and he still refuses to have a Will drawn up. Also, he refuses to purchase term life insurance on us both in the proper amount according to our famincome.
He is normally a very thoughtful and extremely responsible person. I know his lack of planning is due to his inability to deal with his own mortality.
I have continued to express concerns re: our lack of planning for 15 years! I have approached it from every angle I can think of.
On my own, I have contacted insurers to get coverage for us both & pay from my own “rainy day fund”. No one will write a life policy in any amount without 1st performing a physical.
How do I protect my family in this situation?

Wayne

Luis asked:


What is the best health insurance and life insurance policies? I am recently out of the military and need to purchase an individual health ins policy. However, I am not sure which ones are the best. I am a student, do they offer any good student policies? Also, is the SGLI to VGLI conversion a good change to make? If not, which is better term or whole life insurance policies?

Tad Michalik

savanna k asked:


My parents got me a whole life insurance policy when I was young. Now I’m 24 and have a full time job (have worked here for over a year) and am receiving term life insurance from my work.

Do you think it would be a smart idea to cash in my Whole Life policy and pay off all of my debt. Instead of paying high interest rates and barely getting any of the principal paid off i could pay it all off and save my money for other things.

I dont need two insurance policies right?! I am engaged but I dont have any children, and dont plan to for another 5-6 years.
P.S. I’m not going to work online, i have Bachelors degree. I’m worth more money than that. I can do freelance work if i have to.

But I’m not looking for advice on getting an extra job, im looking for financial advice about Insurance.

Terra Huth

asked:


I am 37 with 2 kids I currently have term life on me for 250,000.00 and 100,000.00 on each of the kids.
Now there are tons of different life insurances out here is one really better than the other?
I currently have it thru met life does it really matter?

Calista Guyon

penni asked:


I understand now that term life insurance is the way to go, and then open up a Roth IRA. We are going to meet with our financial adviser and I would like to do more research, hence I’m asking you: What are some other safe ways to invest our money– other than whole life. Is there something else that is safe that falls between whole life (ultra safe) and buying a bunch of risky stock (ultra risky)?

Oliva Gibbins

keli asked:


How do I get a term life insurance quote online?

Anthony

asked:


I’m 39 and have life insurance through my employer. I could probably obtain private life insurance for the same rate.

Is it wise to get non-employer term life insurance now (before I’m 40)?

I may not stick with my current employer for another ten or twenty years, but I’ll probably be here for a few years. Is there any downside to waiting to obtain term life insurance elsewhere?

Rae Partmann

penni asked:


I understand now that term life insurance is the way to go, and then open up a Roth IRA. We are going to meet with our financial adviser and I would like to do more research, hence I’m asking you: What are some other safe ways to invest our money– other than whole life. Is there something else that is safe that falls between whole life (ultra safe) and buying a bunch of risky stock (ultra risky)?

Sonny Jolie