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I'm assuming that most have read about the flattening of Life Insurance Sales (including other lines such as DI) in the last decade or so. Basically, I'm wondering why? Term is getting cheaper all the time, the term length is longer and longer, in another thread someone brought up the 40 year term to go along with the 40 year mortgage. Yet while the discussion didn't go into their even being a 40 year term product, it is still an interesting discussion all do itself!
I'm yet wondering why the flattening of sales? Is due to the Insurance Carriers themselves? We all know they seem to have change marketing attempts, more and more these carriers seem to be moving to a BGA or whatever, moving the sale force outside of the company. Or does the problem lie in the Agents themselves along with the product? Or could it be the general public does not see value in it?
I'm yet wondering why the flattening of sales? Is due to the Insurance Carriers themselves? We all know they seem to have change marketing attempts, more and more these carriers seem to be moving to a BGA or whatever, moving the sale force outside of the company. Or does the problem lie in the Agents themselves along with the product? Or could it be the general public does not see value in it?