Auto
What are the state minimum liability limits for auto?
$25,000/$50,000/$10,000
Who might need fire insurance?
Renter, homeowner, landlord, owner of jewelry items,etc.
Name 2 different kinds of life insurance?
Term and permanent.
Whole life vs. term
ROP
Name a health policy we offer
Short term disability, long term disability, supplemental health
A person who lives in Florida in a vacation home?
A person who lives in their moms house?
A person that lives with their parents friends?
A person that owns a house but doesn't live there?
Who would get renters insurance
In what circumstance would a customer need to have comprehensive coverage and collision coverage?
If they have a loan/lease on a vehicle.
What are some keywords that might indicate someone may need a fire insurance policy?
Address change, purchase of new valuables, engagements, purchasing a vacation home, etc.
What is a return of premium of policy and how does it work?
You pay for the policy for the term and if you die the beneficiaries get everything. If you do not die and the term ends you get everything back dollar for dollar!
Who might benefit from a short term disability product and why?
Someone that needs to use their hands, legs, arms, backs, etc to do their work. Hair dressers, line workers, etc
What do we not sell right now in NYS and why?
Umbrellas - we are working with the State of New York to come up with a fair and equitable price.
If you ran into a deer what type of coverages would file under?
Comprehensive
What are parts of a condo that a condominium unit owners policy wouldn't cover?
Roof, outside structures, etc.
What is a rider that you might add to a policy if you are nervous about having a job that is high risk and getting injured and not being able to work?
Waiver of premium for disability
A policy that is going to pay out for hospital stays, confinement, and etc.
Show me
If you ran into an electrical pole while driving. What coverage would you have to file under?
Property damage under your liability.
Who is a rental dwelling designed for?
Landlords who own a property but do not live there.
What is a waiver that parents might add on to their policies for thier children
Childrens Term Rider
What is an elimination period
The amount of time you would have to wait until you start receiving your benefits
Does a landlords insurance policy cover the renter's personal property?
No
What is the SSL coverage and what does it stand for?
Supplemental Spousal Liability Coverage
If two spouses were in an accident and it was at fault it allows on spouse to sue the liability limits on the policy.
What would homeowners liability cover?
Why would someone want a term policy over a whole life
Cost, and the need.
Can we sell Medicaid products?
Yes, we actually can!
Would a tractor be covered under someones homeowners?
Depending on the situation. Grey area!