Rule Number Two (#2) - Tell the client about what they have just purchased and how to use it. Most successful financial service professionals have a mental checklist of the topics they want to cover in a delivery appointment. Take that idea to the next level. Use an "AGENDA" to review ALL the important features of the product. Make sure they know to keep the material or policy in a safe place. Tell them to show family members where things are located in Manulife Vitality the event something should happen. If the company requires a delivery receipt, maybe you should too. After all, you are running a business, right?
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First of all, in order to do a streamline refinance, you must have an existing FHA loan on your home. There are other types of refinancing programs out there, like the conventional Refi Plus, but the benefits are not the same.
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When it comes to replacing the house itself, look for extended or guaranteed-replacement-value coverage. Guaranteed replacement, which covers rebuilding no matter what the cost, is not offered much any more, says Don Griffin, assistant vice president of commercial lines for the Property Casualty Insurers Association of America (PCI). Many companies offer extended-replacement-value insurance, which will cover up to 100 percent of the value of the home, plus a certain percentage to cover rebuilding the home in today's market.
Let's begin with the risk of losing your income. We all live in an uncertain world and some of the uncertainties that surround us today have been with us for millennia.
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