Life Insurance
3 types of life insurance
Whole Life, Term Life, Universal Life
What Inpatient and Outpatient mean
Inpatient have been formally admitted to the hospital, often overnight.
Outpatient have less critical conditions and are never formally admitted. Also called ambulatory care.
A candy always in the office
life savers, werthers caramels, kisses
Free space
you get 100 points
The President of the company
Peter C
3 carriers we work with
Principal, Prudential, Pac Life, Protective, Symetra, John Hancock, Banner/Willian Pen, etc
Qualifications to sell LTC
A life license and a health license
Our Office's zip code
01144
A client has little disposable income, but wants a life insurance policy while they finish paying for their house. They should get.....
Term Life Insurance
The Alden Lady
Carole B
The names of our two quoting tools
Igo and Vive
The difference between a HMO and a PPO
HMO=no outside coverage, must have PCP
PPO=some outside coverage, no PCP needed
The name of the dog that comes in occasionally
Bailey
The difference between Hybrid LTC and traditional LTC
Hybrid LTC is attached to a whole life policy or an annuity. Traditional LTC is pure LTC coverage
Worked with Peter for 20+ years
Brian M
The difference between Whole life and Universal Life
UV is the flexible version of Whole life. UV raise or lower payments within certain limits set by the policy.
Interest rates affect UV performance.
Can increase or decrease Death Benefit sometimes
Who can get medicare
-age 65+
-under 65 with a permanent disability
-have ALS or ESRD
-US permanent resident or citizen for 5 years
Our whole old company name
Financial Resources of CT
He made insurance popular in the United States
Benjamin Franklin
There's two of them
Flavia M
Explain Table ratings
Rating 1-10 for substandard cases.
Each table increases 25% from the last. Table 1 being standard + 25%
Includes occupation, criminal record, health
Used to find rates for substandard clients
HSA Health Savings Account is a...
A nontaxable account where funds are deposited (from yourself and your employer) to use for health costs.
Bright Nights. Valentines dinner over zoom. Pizza party over zoom. Day at the Zoo. etc
The state considers driving without insurance is a...
What happens when you get one?
Civil motor vehicle infraction (CMVI)
Get up to a $5,000 fine, up to one year in jail and the loss of your driving privileges for an entire year
Also a Soccer Coach
Ty M