You know the thing that most people forget in this business is that there are a million CPA's and Financial Analysts .. and if you look at what they earn relative to what the leadership/relationship persona's ..Wealth Advisors and Financial Advisors ect.. you would see that the human emotion and its interpertation is paramount. It is what creates the real value in our careers.   

Basically put people feel and if you can feel what they are feeling you can connect. 

Yes there is the occasional engineer/asperger type ..but even they have emotional connections to something and it is in that something you can help them build a bridge to understanding...

People make LI too complex, it ain't rocket science. 

Of course, many agents make it so complex they scare their prospects into buying stuff they don't need, but I digress........

[quote=bluestars80]

People make LI too complex, it ain't rocket science. 

Of course, many agents make it so complex they scare their prospects into buying stuff they don't need, but I digress........

[/quote]

FACT - LI is not rocket science.  However, simply focusing on current 'needs' ain't gonna get it done.  Get a whole lotta cheap ART, convert it over time as the budget permits to WL so the client has 20x income.  That way, at a 4% w/d rate, income can be replaced without the worry of it running out for the survivors.

This thread got awesome

[quote=chaimlonnie]

Disadvantages:

The most significant disadvantage of cash value life insurance is the often inconsistency in premiums. Most cash value policies contain required premiums that can increase over time.

[/quote]

Is this meant to be a joke?