top5quotes.org - Agent Randy's Articles

BEWARE: Life insurance fraud hurts

9/4/2017

Life-insurance scams
Surviving spouse life-insurance scam

Grieving spouses have much on their minds as they deal with the loss of a husband or wife. The burden can seem overwhelming, and then the phone rings. Recent widows, especially, are called.

Dealing with "insurance pain"

9/4/2017

Nobody really enjoys buying insurance so I don’t think the “pain areas” are something we can escape from. However, it is a necessity unless we want to make matters far worse in case bad things happen to what we are protecting by owning insurance policies. The best way to deal with pain areas are 1) make sure you have the right product for your situation 2) make sure you are not overpaying for coverage.

The Rise of Indemnity Plans

9/4/2017

Health care in America seems to be in a non-stop quagmire. Obamacare, despite the fact it has helped those with low income get coverage, is basically an intentional albatross meant to crush private insurance to eventually lead to a single payer system. My advice in the middle of this hole we find ourselves in is to just expand Medicare to every US citizen with much higher deductibles for the under 65 crowd included before 100% kicks in.

TOP 12 WASTED INSURANCE DOLLARS

9/4/2017

1. Identity theft insurance

Alternative: Protect yourself before you’re hit. Monitor your bank and credit accounts regularly. Get three free annual credit reports. If you think your identity has been compromised, place a 90-day fraud alert on your credit file.

AVOID Cash value life insurance !!!

9/4/2017

Below is an excerpt of an industry article on why a life insurance agent lost his license. (STAY AWAY FROM THIS PRODUCT! BUY TERM LIFE)!

AMERICA'S REAL HEALTH CARE PROBLEM

9/4/2017

Transparency of health care costs is likely the single largest missing component to stabilizing healthcare's out of control inflation as well as insurance costs - yet is rarely addressed by the government as a concern?

Why a blood sample for life insurance?

9/4/2017

SIMPLE QUESTION, EASY ANSWER.

The lab results from a urine and blood sample these days can help the underwriters determine the proper risk category for the insured to be placed in. Insurers do vary on underwriting standards but it is critical to get both urine and blood along with access to medical records so the company can issue the policy correctly.

TO HELL WITH THE (IUL)

9/4/2017

What is an IUL you may ask? One of the latest inventions of the insurance industry. It stands for Indexed Universal Life. A policy which can be dangerously misrepresented. I have disdained this product since it came out, no matter how many slick presentation schemes that brokerages come up with to recruit me to sell this monster. Having said that, I wasn't surprised recently when a well known social media guru told me they lost $15,000 in a policy and got out of it.

HEALTH INSURANCE TOO HIGH? (Consider a self-insured + indemnity plan)

9/4/2017

Let's tackle a rough subject. HEALTH INSURANCE. With Obamacare imploding, even wealthy people are choosing not to pay the outrageous premiums. Notice how the media completely ignores what everyone was promised when the Demonics forced the grand bill into law. Because of this, the old fashioned "Indemnity" plans are coming back.

"IT IS about price"

9/4/2017

We insurance agents get preyed upon by every insurance marketing organization known to man. All of them wanting new agents to move their products with the zeal of a traveling evangelist. This is great because this is America and competition makes everything better right? Right.