Wednesday, January 10, 2018

A Real-Life Solution in 2018

Well now, that was a year! The talking heads have already enjoyed analyzing what occurred over the 365 days of 2017…

The stock market continues an unprecedented rise, while the nation experiences very reasonable unemployment numbers.

Congress has finally passed an income tax relief package. The effect of this legislation will not be fully known for most people until the end of 2018.

Many of the powerful people we have listened to or watched have admitted their human failings, after causing others tremendous pain.

The United States seems to be the target of nature’s fury. Hurricanes, droughts, fires, floods and blizzards. And mass killings are no longer isolated events.

But life goes on for the average person, and our responsibility continues to center around the protection of families and businesses.

Would things be different if everyone owned life insurance? Life insurance: the miracle of creating an instant estate with a signature. An instant pot of income-tax-free money for the people we love, or to the people we owe money to, or to assure that our business can continue without us, if we can't fulfill our promises due to premature death.

And, the amazing value of our product continues to improve. We now have the ability to access that same bucket of money for sustained health care costs. The escalating costs that our elected officials, our medical professionals, pharmaceutical companies, and insurance companies cannot contain.

Oh, by the way, we have products that now allow access to the face amount of our policies if we live too long and need the benefit while we are alive. SERIOUSLY!

During times of uncertainty and stress, we can be and should be a calming, re-assuring voice.

MVP Financial welcomes your partnership and looks forward to being the real-life solution for the protection of your customers in 2018.

Happy New Year!

Tuesday, September 19, 2017


As you know, September is Life Insurance Awareness Month (LIAM). A time when the life insurance industry comes together for an all-out push to inform consumers of the importance of life insurance, and if you're savvy enough, you are taking advantage of it with your own clients and prospects.

Did you know that 43% haven’t bought life insurance or more of it because they’re unsure of how much or what type to buy.*

You likely have clients that do not have enough protection, or may have no protection at all. Take advantage of these complimentary resources to help communicate to your clients why they should consider life insurance.

September is LIAM, but it's always a good time to talk to your clients about life insurance, and MVP can help. Give us a call or check out the resources available on our website.

*Life Happens and LIMRA, Insurance Barometer Study, 2017

Policies issued by American General Life Insurance Company (AGL).
Products may not be available in all states and product features may vary by state.

Monday, July 24, 2017

Social Media and the Underwriting Effect

We already know that many employers utilize social media when screening a potential candidate for employment. Since some of the information is public, it’s a great way to get a sense for who someone is and how they conduct themselves outside of the resume and interview. We also know of
instances where someone has lost their job because of a social media post.

Insurance carriers are now utilizing the same tactics when considering an applicant for life insurance… That’s right, and it’s becoming the norm.

MVP had a recent case where the carrier came back with a follow up question during the underwriting process: “Our research has found on social media, that this client has a picture posted on Facebook with a cigar in his mouth. The client answered No to any type of tobacco use. Please provide full details on his use of cigars. Does he smoke them or chew on them? How often? When was his last cigar? Full details please.”

In this new age of information, this is an excellent reminder that if you participate on social media, what you and your friends post could be public information and can be used against you any time you are being considered for something (think: potential client or business deal, insurance, job or bank loan applications etc.). 

You do have some control over what information is shared publicly by paying attention to your security settings and pondering whether your post is truly the message you want to convey about yourself before you post it. You may think that your social media presence hasn’t been a problem for you, but how do you really know for sure?