[LuckyJB]

Originally Posted by Scanner

I agree with DisneySteve and Sweeps here.

It sounds like you are a budding salesperson, Lucky. . .and let me give you some advice.

If you are going to target the uninformed and unmotivated on finances, then go about what you are saying and beleiving the way you are. Don't change a thing. I am sure managers and meetings have filled your head with this.

Unfortunately, sales managers often don't "change with time" and with the advent of the internet. . .the times - they are "a'changing" as they say.

If you are going to want to get clients like DisneySteve, myself, and other professionals here, you are going to have to attack us differently.

Term insurance has an important role in a good financial plan.

Universal and whole life may (<------ operative word, may) have a role in college planning and estate planning.

But to suggest we buy something just because it's cheap and efficient (and I agree - term life insurance is an amazing product - $1000's of dollars of coverage for pennies). . .or just to bequeath random relatives some dough. . .just doesn't make sense.

I find it rather puzzling actually.

Why would I want to bequeath Cousin Jeffro or Uncle Billy Bob anything?

It's like suggesting I buy something I don't need at the dollar store just because it's cheap.

I had a disability insurance salesman cold call me the other day. Disability is a product I could actually use. . .but unfortunately, the hours I put in on my business are under 30 per week immediately disqualifying me (no part-time policies). Trying to salvage a sale from a lead, he asked if he could handle my investments.

While I admire his brevity for asking that question of someone I don't know from a common criminal. . .what a large leap. . .from selling an insurance product to advising me on my financial plan.

I politely told him all of my investments are with Charles Schwab, a discount brokerage and wished him luck.

I wish you luck too.

Not looking for anything..just advice and opinions. But thanks.