Scott Gilpin

Whole life insurance is a type of permanent life insurance policy that offers coverage for the insured’s entire lifetime as long as premiums are paid. It represents not only a means of protecting loved ones financially in the event of the policyholder’s death but also a tool for building cash value over time. This comprehensive guide aims to demystify whole life insurance, its benefits, and its potential drawbacks.   What is Whole Life Insurance? Whole […]

Determining the correct amount of life insurance is a crucial responsibility for insurance agents. As an agent, your goal is to ensure clients have adequate coverage to protect their loved ones financially in the event of their passing. Here’s a guide to help you navigate this process effectively.   Assessing Client Needs When determining the appropriate amount of life insurance, agents should consider several key factors: Income Replacement A common rule of thumb is to […]

When you think about it, uncertainty is an essential element in the life insurance world and the insurance industry as a whole. We basically build and frame our conversations and recommendations based on the uncertainty of the future.  When will I need this insurance?  How much insurance do I need?  What kind of insurance do I need?   Will it be enough?  What if my life and needs change?  How will my needs change over time?  […]

The holiday season is here.   Thanksgiving is already in the rearview, and Christmas is right around the corner.   This time of year always makes me look at things a little differently, and I wanted to share a few of those thoughts rolling around in my head.  First, I wanted to share a quick story from Thanksgiving.  Like most of us, we had a big family get-together at my in-laws.  It’s usually an all-day affair with […]

Over the last few years, drop tickets have become a very popular process to submit life insurance applications. Life insurance carriers were well on their way to developing their technology in electronic applications when Covid-19 pandemic gave them a violent shove it required to ensure the process was readily available. Although this type of advancement is generally a positive thing, there are still some kinks that need to be worked out and information you need […]