Brian

Life insurance sales trends in 2025 are hitting record highs, even though the number of policies sold has stayed flat. That means agents aren’t just selling more policies — they’re selling bigger, more valuable ones. life insurance sales trends in 2025 For independent agents, this shift is an opportunity. Clients today expect life insurance to be more than a payout check. They want flexibility, living benefits, and long-term financial value. The agents who understand this — and position their products and services accordingly — are winning more clients and building stronger books of business. This guide breaks down what top life insurance agents are selling right now, what’s resonating with clients in 2025, and how producers are winning new business. Table of Contents <a name=”products”></a> 1. The Products Top Agents Are Selling in 2025 The most successful agents in today’s market aren’t focused on the cheapest coverage. They’re leaning into […]

What happens when your client receives a flat extra on a life insurance policy?  Most of the time when an insured receives an unfavorable offer, it is in the form of a table rating.  This is a permanent rating on the policy and can cause varying degrees of increases to the original premium.  A flat extra is usually assessed when an insured has had a recent sickness. That sickness is likely to have taken place within a certain time frame that the underwriter deems as still leading to extra risk.  The issue with a flat extra, especially on a term life insurance policy, is that it increases the premium much more dramatically than a table rating.  It does usually fall off the policy, but that initial premium may cause your client to balk and not take the coverage at all.  On the example attached, a 57 year old male looking […]

Life insurance is a critical investment that provides a financial safety net for you and your loved ones. Unfortunately, there are many myths and misconceptions about life insurance that prevent people from getting the coverage they need. In this article, we’ll be debunking life insurance myths to help you make informed decisions about your financial future. Don’t let myths and misconceptions keep you from securing the financial protection you and your loved ones deserve. Whether you’re young, healthy, or nearing retirement, life insurance can benefit anyone. By understanding and debunking these common myths, you can make informed decisions about your life insurance needs and ensure a more secure financial future. So don’t wait, get started today and protect the ones you love. Related article: Affordability and Importance of Life Insurance

Life insurance is a crucial financial tool that can provide financial security and peace of mind for families in the event of an unexpected death. However, many people are put off by the perceived cost of life insurance, assuming that it is too expensive to be affordable. In reality, life insurance can be very affordable, and not having it can end up costing a family a lot more in the long run. Affordability and Importance of Life Insurance is too important to overlook! There are two main types of life insurance: When it comes to the cost of life insurance, several factors can impact the premiums, including age, health, occupation, and lifestyle habits such as smoking. Many people are surprised to learn that life insurance can be very affordable, with premiums as low as a few dollars a month for a basic term life insurance policy. This is despite the […]

Life insurance fraud is a criminal act in which an individual or group of individuals intentionally deceives an insurance company in order to receive a financial benefit or payout from a life insurance policy. This can occur in a variety of ways, from exaggerating or fabricating claims on a policy to providing false information in order to obtain coverage. Examples of life insurance fraud include: To avoid falling victim to scams, here are a few steps to take: If you suspect that you are a victim of life insurance fraud, you should report it to the insurance company immediately. You should also contact the state insurance commissioner and file a complaint with the National Association of Insurance Commissioners. Additionally, you may want to contact the police to report the crime.   Learn more here: https://www.defend-id.com/?site=thethompsonagency [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]

Key man Company life insurance is a life insurance policy that a company purchases on the life of an owner, a top executive, or another employee that is critical to the operation of the business. The business owns the policy and is the beneficiary. The business also pays the premiums. The business owner should ask him or herself: What would happen if that key employee died?  Would the business be able to keep operations going and keep the status quo? What financial impact could that death cause? What dollar amount would be needed/wanted if that key employee was to pass? By having Key Man coverage, a business can weather the storm if a key employee passes. The death benefit can be used for Recruiting, hiring, and training a new employee If the business can’t be continued, the money can be used to pay off debts, distribute money to investors, and provide […]

With everyone’s health on the radar a little more due to Covid, it is important to truly think long term about one’s life insurance.  For some, term insurance will still be satisfactory for what a client is trying to accomplish, which could be protecting lost income or a mortgage.  However, for other clients, it could be an opportune time to look at whether a term conversion makes sense.  With a solid conversion option, a client can choose to keep all or a partial amount of the term coverage that he or she had.  And the beauty of the conversion is that there will be no medical underwriting.  For any client who has had a significant health change, this can invaluable.  A term conversion is a provision that most life insurance carriers offer that allows an insured to convert all or a portion of their coverage to permanent, without having to […]

An important part of building a life with your significant other is creating a good financial foundation that can protect each other and your family. Knowing how to buy life insurance as a couple should be a big part of that plan. To find the best coverage for your partner, here are some tips. Buy life insurance for both of you Once you’re married and your lives are bound together, so too is your financial future. Life insurance is a vital component of your financial security. Chances are good that you depend on each other for financial support, and if you have children they also depend on you both. Your spouse can use the life insurance money for a variety of things, including:  Day-to-day living expenses Supporting your children Investments or future income The creation of an extra emergency fund Payments for your final expenses when you pass away Payments […]