Agent vs Broker: What is the difference ?
Agent often represent the interests of insurance companies, they have the pressure to perform, regardless of whether the
product is suitable not suitable for customers, mandatory sales, limited choice of products,
Broker on behalf of the interests of clients, they represent a lot of companies and can help customers to do the
comparison, a wide range of choices that can help customers choose the most suitable products to their , and help customers maximize the benefits.
Why Buy Life Insurance ?
Because you have to take responsibility, because the risk all the time, everywhere, you have to be prepared in
advance.
You can use it as living benefit as well, can be used as retirement supplement , children education fund, compensation
for the loved survivors, and much more....
I am single , I don't need life insurance , why would I have to buy ?
If you are untoward, who take care of your parents for you?
Living or death, everything in your life , you need money, CASH, the life insurance create the CASH for your need , the life
insurance can solve a variety of problems for your life.
The money will depreciate in value, be sure to use the money to help you make money, if you have children later ,
there must be the money of the children's education.
When you're older, you need enough retirement money, you CAN NOT depend on the social security or other people,
life is very reality , you are on your own.
I have a lot of money, I have saved enough for retirement, why should I buy insurance
?
When people are getting older , they worry about most two things:
1 they don't have enough money to spent; how can they survivor without money?
2 they have lots of asset or money leave over to the heirs , the government are waiting for the inheritor
tax
Only life insurance can help you solve these two problems
Why people said the life insurance is fraud ?
If it is fraud, why it existed so long over three hundred years? Also it is protected by law? why there are so many people
use it? Why there are so many people buy, and why there are so many people regret not to buy , why are so many survivor people got protection.
In Insurance industry, there are some immoral broker or agents don't do the right thing at right way, but you should not
be blaming the benefits of life insurance can benefit you.
what can I do if the insurance company file bankrupt ?
By law, each insurance company has reinsurance, or the parent company take care, or the state guaranteed
association.
I've never heard about this company ?
It doesn't mean it is not exist nor it is not good, all financial companies are subject to the law of
Securities Exchange Commission , and rating by four independence rating company.
Which type of life insurance is the best ?
Not the best one , only the one is best suitable to you. Before choosing any type, be sure checking their history, financial
strength, rating, product feature...
I don't like paying premium, I prefer invest the money in stock market, mutual fund or
real estate market, why life insurance ?
These two investment are totally different :
You assume the investment risk when your money in stock market, but the life insurance is protection .
Why do I only pay a small amount of money large amount of compensation, the insurance company is not
at a loss ? world can there be so good ?
Insurance company received insurance costs by the law of large numbers, that is, most people assume a small number of
people to death compensation, the insurance premium you pay is based on mortality count, the more young lower mortality, premium pay, the less .
When you withdraw money in the future, how is based on the number of returns, return a lot to take a bad return, taking
less.
You can guarantee that what you say is true ?
Insurance companies to ensure that you, the legal guarantee to you
100% compensation insurance ?
As long as the policy is valid, whether you're in there, to guarantee 100% compensation, which is legal, unless your
application materials is false, checked within two years do not pay, committed suicide within two years do not pay.
Insurance not see or touched something, I have no confidence in it ?
Insurance is urgently cash when you need it most cash into your hands, you cash confidence? No one could have predicted the
future, but every day, many unfortunate accidents, Have you ever wondered, In case happen to you, your family by what kind of pain? they not only lose you want or even bankruptcy, you the
insurance have confidence in it?
Child is still small, big own arrangements, I just now ?
Money does not mean everything, but it is a manifestation of love, especially when you're gone, or you can not afford to take
care of them when you love them how much, how much insurance to buy, if you do not love them, you do not have to buy
The company I work for has been for me to buy insurance, I do not need to buy ?
The company provides group term insurance is only valid while you work, if you are sick or leave the company, you do not have
insurance, and usually not all insurance your family, you should know how much insurance you need.
What kind of insurance is best? specific knowledge of what
kind of suit you, please click here
No best, only the best for you, not the same for everyone.
Which kind of insurance is the cheapest
?
Not good goods cheaper, better goods are not cheap, you want to see that she can give you what value,
No free lunch, the older, the more expensive the cost, only the most suitable for your economic situation in which one of the
cheapest.
I want to buy insurance ?
Usually 10-25 times your income, or the total amount of your property or your actual needs (debt + living + children's education
costs + housing loans)
I have to pay for many years?
You want to pay for many years? Do you want to master cross
many years ? or the insurance company to give you specify the cross many years?
Why does my insurance premiums have been endless post ?
Depends on your insurance is what type of insurance, Whole Life (deposit insurance / life insurance) to pay for life or 98 years, this
black and white inside the policy, IUL (index universal life insurance), Vul (flexible investment universal life insurance), G-IUL (global index universal life insurance) pay very flexible, pay
more for less pay do not pay can the GDB-UL (guaranteed death benefit universal life) many years paid the guarantee each year how much insurance, SP -UL (one-time premium universal life insurance) as long as the cross-guarantee to pay complete, if you
want to solve this problem, be sure to turn into other types of insurance, specific please contact us.
I can use insurance in advance you ?
Is entirely possible, but it depends on what type of insurance you choose to see which one company, specific please contact us.
I do not need, such as when I need to buy
?
You know When do I need? Because that accidents do not happen again and so on when you need it, you do not need to know when,
and when you need it is too late, because you have not qualified to buy, or you have untoward, in fact, the most needed is now ...
I do not have a legal right, I'm worried about not getting compensation / less than insurance / . . . ?
Each insurance company approval requirements, Once a company to accept the policy effective, no matter what you people
out there, valid for life insurance is protected by law, as long as you are an insurance policy owners, you have the power to withdraw money with compensation who change policy
.....
We are Broker, we have the right agent, even if you do not have legal status in court, student visas, visitor
visa, tourist visa. . . You can apply for specific please contact us.
If you do not, we turn to services ?
If you are I are friends, I will try to serve you, or you can go directly to the company.
Buy insurance, apply for college grants will affect the child ?
Life insurance and retirement plans will not affect apply for college grants, will affect: the property of their parents, the
parents' income, the income of the property of the child, the child's
I have bought 10 million insurance, why do we need to spend more money to buy more insurance ?
Diversification of investments, asset value against inflation, the increase in demand of your home, tax-free
compensation, a little money a lot of money, transfer of assets, asset protection
If you paid a few years do not pay what can I do ?
If there is a cash value, you can use it buyout denomination, or have enough cash value, can earn interest to help you pay for,
or reduce the sum insured, or we can help you sell insurance.
If the material disease can advance by insurance ?
Can see that the company you choose what type, but there are certain
restrictions, please Contact Us.
Accident compensation ?
If you have added additional accident insurance have to be charged, but there are certain conditions
Why kids buy life insurance ?
You love the performance, develop a habit of saving money for children in the future to create an asset, insurance costs
low,
Time to help you make money, your child valuable? ....... Because it is a manifestation of the value of life.
Some insurance brokers give red envelopes, you have it ?
We offer the services of a lifetime, you want our services to be discounted because red envelopes to give
you?
Your lifelong interests? Few hundred dollars a red envelope interests? Because we not only free for you, but also help
you choose the most suitable for your product, this commission is because we made a business for insurance companies to our remuneration, within two years if the policy lapses, the commission to
be returned to the insurance company.
Fleece, there is no free lunch, to do your business, they tend to sell the most expensive products to you, so that you
have to pay the insurance premiums are often more than the rebate to pay a lot, just from your broker pay more insurance costs out to give back to you, you are willing to
pay?
Moreover, in order to give you more than one million dollars in exchange for your business are against the law,
but also affect your policy
A lot of people face and petty require rebates to buy is not suitable for their own life insurance and regret it forever.