Employee Benefits | How to select a Life Insurance Agent
Where does time go? School, work, children, community events...
You keep promising to make plans for your future, for your children's future, and there never seems to be enough time. And then , it's time you need those financial resources you kept promising to set aside and plan for. Will those resources be there for you and the people you care for? For your business?
WHAT'S YOUR PLAN?
Do you have the old or new kind of insurance?
When are you going to discover that you've got the wrong kind of life insurance or disability plan? At the time of claim?
What would happen to your family or your business if you didn't have the right plan in place, or if you weren't there tomorrow?
When was the last time you had a professional review your financial plan, or help create a financial plan just for you?
Great Lakes Benefits has the ability and the experience to compare and evaluate all of the different types of pension and group insurance plans available, in order to design a program that's just right for your company. When that program is in place, we don't just walk away. We'll continue to service your plan making sure you take advantage of the latest developments in this changing field.
What is your most valuable asset?
You might think it's your home, or a car, or some other item or object. Sure, those are all important assets.
But your most valuable asset is your ability to earn income and provide for yourself and those you care about, now and in the future. Don't forget to plan for replacing your income if you were to become injured or ill and unable to earn an income.
What if your last payday were your last payday?
What would you do if there wasn't another paycheck coming next month, or the month after that? How long could you support yourself or your family without an income - a year? a month? a week?
Employee Benefits Consultants and Financial Planners
DOLLARS AND SENSE
It's your business.
Whether it's a small or medium-sized business, it's your business. Your employees count on you. Your customers or clients count on you. Your decisions to make.
So, what's your plan?
Do you have a financial plan for yourself, your employees and your future?
When you want to offer employee benefits, we can help.
When you want to make sure you can cover your business overhead expenses when you're disabled, we can help.
When you want to ensure you have income when you're disabled, we can help.
Our team of insurance professionals can meet with you, review and analyze your current plans, help you make plans if you haven't, and deliver you solutions that make sense and can save you dollars.
Have you maximized your benefits and your tax savings?
We can help you make sure you have.
When it comes to your bottom line, Great Lakes Benefits can help you make dollars and sense of your financial future.
How to Select a Life Insurance Agent
February 2008 Update
When you are looking for someone to represent your interests and help you plan for life's important events, both expected and unexpected, it pays to be selective. Here are five key points to consider when making your choice.
Get Referrals – Don’t settle for the first agent listed in the phonebook. The easiest way to start your search is to get referrals from the people you trust most, such as friends, family members, and other professional advisors you already work with, such as lawyers or accountants.Find out about their specialties – It is critical to make sure that the agent you select has the expertise to meet your needs. One insurance agent may specialize in life insurance, while another is an expert in long-term care insurance. Whatever their specialty, good agents will take the time to listen and will ask questions about your objectives, help construct a basic game plan, and work with you to find the right insurance solutions for your specific needs.
Inquire about their education and training – If you are not familiar with the letters listed after an agent’s name, ask about them. Professional designations, such as Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC), Certified Financial Planner (CFP), Financial Services Specialist (FSS) and Life Underwriter Training Council Fellow (LUTCF) indicate that the agent has completed advanced training, passed rigorous exams and is serious about professional development.
Meet face to face – Interview prospective agents to establish a basis for comparison in terms of qualifications and character, not just fees. Ask for customer references and check that the agent works with financially sound insurance companies.
Ask if they hold any professional memberships – An agent who is a member of professional associations, such as the National Association of Insurance and Financial Advisors (NAIFA) or the Million Dollar Round Table (MDRT), means they adhere to a stringent code of ethics and are committed to enhancing their skills and knowledge.
Design and site maintenance by Otter's Web. ©2008 Great Lakes Benefits, Inc. All Rights Reserved. "We help make your dreams come true." and the lighthouse logo are trademarks of Great Lakes Benefits, Inc.