Are your clients looking for “cheap” life insurance? With 41% of the American population not having any form of life insurance, now is the best time to get it. The main excuse for not buying life insurance, is that people think it’s too expensive. Over the past several years, we have seen term and permanent life insurance rates decrease substantially, making the options for prospective customers better than ever.

These days, so many individuals simply look online for rates. However, this is far from the best way to get the right life insurance product, company, and amount of coverage. So many factors need to be evaluated, and guidance from an experienced life insurance professional is critical.

Factors such as life underwriting, budget, income replacement, living benefits, conversion rights, and term vs permanent options, are some of the important issues that need to be considered when making the appropriate purchase of life insurance.

If you’re looking for low-cost life insurance that fit the needs of all your clients, contact the best life FMO around: Pinnacle Financial Services. We offer a wide variety of life insurance options that fit the bill for any of your clients. Our team of life insurance professionals can assist with case design, underwriting, quotes, and application processing- right up to commissions being paid.