Final price Talking Points

Insurance - Final price Talking Points

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Reasons Seniors Buy Senior Products

What I said. It just isn't the actual final outcome that the real about Insurance. You check this out article for facts about an individual need to know is Insurance.

Insurance

• Need - They feel a need for protection
• Want - They want to transfer risk from themselves to an guarnatee company

Your Key to Success: originate the need and decide an affordable way to pay for the coverage

Primary Buying Motives

Control and Independence
Asset Protection
Access to capability Care
Burden
Peace of Mind
Aversion to Welfare

Marketing to Seniors

Keep in mind there is not a typical senior any way there are commonalities.

It is helpful to understand the similarities and to respect the differences when working with seniors.

Emotion - Driven Message
Seniors tend to focus on how a situation makes them feel.
Their responses are based on their total life experiences.

To effectively store to seniors:
- Understand their perspective
- list for aging changes
- Add emotional value, if needed

Other factors affecting marketing
- Finances, employment
- public Structure
- health Changes

Seniors top concerns tend to be outliving their assets, maintaining their independence, their own health and safety issues and for seniors over age 75 the issues tend to gravitate to family and friends, leaving a patrimony and their reputation.

So...

- Listen
- Ask questions
- Be honest and ethical, they prefer the truth even if the news is not good
- Tell a story about the "use" of the product, don't talk product

Final expense Life guarnatee Presentation Talking Points

There are Financial Hazards When the Death of a Loved One Occurs

There are two financial hazards for seniors..........

1. Final expense Gap
2. Reduced Income

Where will you get money for Final Expense?
• Borrow
• Cash
• Family
• Insurance For Final Expense

Doesn't it make sense to use Discounted Dollars?

An estimate of Final Expenses Today is in the middle of ,000 - ,000

Pre-Funeral Home Expenses

• Ambulance
• Paramedical Fees
• Hospital urgency Room Charges
• Physicians' Fees
• And other expenses

Responsibility of Final Expenses

Funeral Home Expense

• Professional aid Charges...............0 - ,200
• Transfer of Deceased..............................5 - 0
• Viewing Facilities (2 Days).....................0 - 0
• Other Preparations..................................0 - 0
• Hearse........................................................0 - 5
• Casket.........................................................,900 - ,000

Burial Expenses

• Cemetery Plot...........................................0 - ,000
• Headstone/Engraving.............................0 - ,500
• Opening/Closing Grave...........................0 - ,500
• Embalming................................................ 0 - 0

After Funeral Expenses

• Probate & Miscellaneous Estate
• Expenses
• Unpaid Debts
• Etc

Reduced income Due to a Death

The Problem: Reduced income can be financially devastating to a surviving spouse, often leaving them dependent upon other family members or government programs for help.

The Need: Supplemental income to replace lost earnings.
The Solution: A plan that will provide a source of income to the surviving spouse to maintain a normal lifestyle.

What Are Your Choices?

• Rely on family and friends
• Spend down personal assets and savings
• Borrow
• Transfer the risk to a Final expense Program

Final expense Program

An affordable solution providing safety and helps assure you won't be a burden to your loved ones

• Benefits do not decrease
• Premiums do not increase
• Policy cannot be canceled because of your age or health
• Protection from the very first day your policy takes effect
• No medical Exam
• Benefits are paid Tax Free
• Simple Application Process

A Final expense schedule can be left to:

• Your spouse
• Your children
• Your church
• Your popular charity

It Can Be Used To:

• Pay your final expenses
• Provide income to a surviving spouse
• Leave behind for extra needs

There are many decisions loved ones must make immediately following a loss but putting together a final expense schedule with a licensed professional so your loved ones won't have to worry about financial pitfalls that accompany these foremost decisions.

I hope you get new knowledge about Insurance. Where you may put to easy use in your evryday life. And just remember, your reaction is passed about Insurance.