A Season of Gratitude: Quility Level Term

Nov. 23, 2022

The month of November is a time for food, good times with family and friends and above all else, gratitude. November is a month to reflect on all the things to be thankful for from a home to make memories in, to the loved ones that help make memories possible.

To that end, this season is a great time to help your clients act on their gratitude with a financial solution that protects the ones they love most — life insurance. Whether they’re thankful for achieving financial goals or thankful for the financial protection they provide for their loved ones, you can help them find a product that can elevate that gratitude.

This November, help your clients narrow down their financial goals, protect what matters most and give them the peace of mind that comes with life insurance.

A season of gratitude

In between scoops of cranberry sauce and green bean casserole, November is when most people come together to appreciate what they have. Time spent with family, seasonal traditions and swapping recipes with friends are all a big part of the fall season.

Particularly, this time of year is about expressing gratitude for the people in your life that mean the most. Whether they’re family, friends or co-workers, November is the perfect time to reflect on who and what matters most.

Thankful for life insurance

With all this in mind, the month of November is the perfect time to reassess your clients’ financial goals. As they reflect on what they’re most grateful for, helping them find an insurance product that can protect those things can go a long way.

Regardless of what your clients decide to show gratitude for this year, there’s a life insurance product you can fit them with. Whether it’s their home, retirement or financial stability, consider discussing life insurance products with your clients as they reflect on what matters most.

Mortgage protection

For a lot of clients, their home will be one of the assets they’re most thankful for. A place to build memories for their family is important and ensuring that the house stays in the family should something happen to them is too. With that in mind, a mortgage protection policy is a great way to give your clients peace of mind in protecting their homes.

Among the things your clients will be grateful for is how easy it is to qualify for a mortgage protection policy. This type of protection is essentially a term life policy that is designed to last the length of a mortgage. If they should die, experience a disability or become critically ill, the coverage will kick in and begin making their mortgage payments for them.

A mortgage protection insurance policy is ideal for your clients who are thankful for the home where they and their families build memories. With this coverage, they can rest easy knowing regardless of what the future holds, those memories will be protected.

Whole life insurance

Whole life insurance is a permanent policy that would protect your clients for life. This type of coverage usually comes with more flexible payment options as well as a cash value component that can even make payments on the coverage later on.

For your clients who are raising a family and looking to cover themselves for their loved ones when they die, a whole life insurance policy is the best fit. What’s more, if they decide to pay higher premiums, they can build the cash value of the coverage to help them retire.

The cash value of their policy should be considered supplemental to traditional methods of retirement planning like IRAs and 401(k)s. How they choose to use that cash value is completely up to them. They can make occasional withdrawals (which would affect the amount of the final death benefit) or even take out a loan against the cash value. If for some reason they decide they no longer need the policy, they can even surrender the coverage and collect what remains of the cash value.

Most importantly, once the policy matures to a certain point, they can use the cash value to pay premiums on the policy.

Quility Level Term

One of the more impressive products Symmetry agents have at their disposal is Quility Level Term (QLT). This proprietary product, created by our parent company, Quility, can fit any of your clients’ needs, regardless of what they’re most thankful for.

This affordable term life insurance (starting at $18 a month) is customizable to meet your clients’ financial goals. They can secure coverage of up to $1 million with term lengths between 10 and 30 years. Best of all, your clients can apply and receive a decision in 10 minutes or less using the Quility online platform .

QLT is designed to meet the needs of clients who are ready to tackle financial goals while protecting their loved ones. With so many options for customizing their coverage, your clients will have a lot to be grateful for while gaining the peace of mind that comes with protecting what matters most.

Charity rider

Among the exciting riders that your clients can choose from, QLT does come with a unique charity rider that allows your clients to spread the gratitude. With the charity rider, they can add their favorite non-profit as a secondary beneficiary.

With Quility Level Term your clients will feel grateful to protect their loved ones while giving back to their community.

Spread gratitude with Symmetry

During this season of gratitude, be sure to reassess who and what means the most to you. Similarly, be sure to help your clients protect what they’re most grateful for. Whether it’s keeping a home for their family to make memories in or finding coverage that gives back, as a Symmetry agent you can help them protect it all.

Symmetry Financial Group agents have access to high-quality life insurance, disability income insurance, critical illness insurance and annuity products from more than 30 well-known insurance companies. This gives you the flexibility and reach you need to tailor plans to meet clients' individual coverage needs.

To learn more about how to begin a fulfilling career as a life insurance agent, contact us today .


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