What are some of the hurdles when selling a life insurance policy?
First the policy needs to be over two years old so that the suicide and contestability clauses have expired. Second and probably the most important item in selling a life insurance policy is to make sure there was full disclosure at the time of the original application. There have been too many recent cases of failing to disclose who was paying premiums, inflating the net worth of the proposed insured, or misrepresenting the health of an applicant which may cause the carrier to rescind the offer at the time a claim is presented.
When I started in the insurance industry a life insurance application was 4 pages. Today they routinely have 80 pages of questions to be completed! Always seek the help of an experienced life insurance professional when selling a life insurance policy.
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