Policy Renewals:
Stay ahead of the carriers. Most carriers today are being overly aggressive in their conservation programs. Many clients have been renewed by not taking a proactive stance. The companies have notified the client of this window period but, in many cases, didn’t notify the agents. By the time the agent finds out it is too late the client is locked in at a very low rate. This is unfair to the agent, client and FSD – the only winner is the carrier who issued a low rate with partial commissions and reinstitutes a new surrender schedule.

Jefferson Pilot, for example, has a 30-day window, which starts 30 days prior to the end of term (most carriers are 30 days after). Many clients have been put into contracts they didn’t want because they failed to respond to the renewal letters. Don’t let this happen to you. Know the contractual provision for renewal. Companies typically won’t make exceptions.

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