He Saved $1,000 a Year on Life Insurance

If you lost weight or live healthier lifestyle you could pay less for life insurance.

John Lawson (Licensed Life Insurance Agent)

Learn Something New Every Day

Every day, I learn something new. Really. And that's probably the best part about my job providing term life insurance at Matrix Direct.

Because not only do I get the chance to learn something new from my teammates here at Matrix Direct - maybe about a new term life insurance policy we're able to get people, or a new tool to communicate with our customers--but I also get a chance to learn something new from the people who call in to our offices looking for help or information.

Sometimes, a person will call in with a question that I can't answer off the top of my head. The first time this happened, I'll admit, I got a little bit nervous. But now when it happens, I am actually happy about it as it gives me the opportunity to do some digging and learn something new.

So the other day, I get a call from a client. This was not the first time he called us, however. He had called earlier, gotten a life insurance quote and then, when the policy finally came through, it was more than what he expected.

As an agent, I see this happen sometimes, as we don't know exactly what the term life policy will cost until we get all the required information, and so the original quote may not match what they finally get approved for.

He was willing to accept the new terms, but I had the feeling he was a bit disappointed. And I know that whenever I purchase something, the last thing I want to feel is "disappointed," so I decided to try something with him that I learned from one of my co-workers.

About three weeks prior to the client's call, I was having lunch with some of the team, and a coworker was telling me about a customer whose quote was higher than their estimate. So she recommended the customer submit a reconsideration to the policy provider with updated medical info.

The reason she did this was that when she was talking to her customer she learned that the customer had recently lost more than 40 pounds. She knew from a previous customer experience she had that life insurance providers almost always will lower the premiums when the risks are lower, and losing more than 40 lbs. not only makes you look better, but also lowers your chance for heart disease.

So, knowing that information, a light went on when I was talking to this client, of course.

I said, "We definitely need to submit a reconsideration to the provider. I think we can really move the needle for you." So he went ahead and provided me with new info and I submitted him for reconsideration. The way I figured it was it can't hurt.

Within a day or so, I called him back and let him know the good news. Due to his lower cholesterol levels, he would end up saving more than $1000 a year in premiums!

And then I learned one more thing that day. You don't necessarily need to see someone to know they're jumping for joy.

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