Personal life insurance. You have been hounded by life insurance agents
from your senior years in college.
You just didn't see the need to buy a personal life insurance policy or may be you just felt you had no need for the product period.
You graduate and it doesn't take you too long to get established in a good job. You have a nice apartment and some money in the bank.
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A life insurance agent is referred to you by a friend. He
calls and you allow him to come to your home to discuss your personal
life insurance only because he was referred by a friend.
You feel you have no need for life insurance but you decide to listen to what he has to say anyway. You have a small group policy on your job that is sufficient to put you six feet under and get rid of you. After a little small talk the life insurance agent begins to ask some questions.
You can't see the relevance of the questions as they do not apply to your present situation but you answer them anyway.
The life insurance agent goes through between 30 and 40 questions. Some seem to hit home but mainly for some time in your future...not now.
The life insurance agent then explains that you have sufficient life insurance for now. your group policy will be sufficient to bury you and pay off whatever outstanding debts you now have. Based on the answers you give him this life insurance agent knows that you will need some type of personal life insurance in the future.
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