When is the last time you visited your car and/or house insurance salesperson?Ours wants us to go in to see him this week to talk about our coverage options, but I'm not looking forward to it.
Last time I went to see an insurance salesperson, we had just bought a car in 2004. We already had full coverage on both of our cars, and enough insurance on our home, so I was wondering what else he wanted to sell us.
This was the first time I met the guy, and right away he goes into a sales pitch on how we should start investing in life insurance. My wife and I were both 32-years-old at the time. But, we do have the house and two kids, so life insurance is a good idea.
I didn't have a problem with life insurance exactly, it was more of the sales pitch that bugged me.
I can't remember the guy's name, but let's call him James. He was in his late 40s, but looked around 70-years-old. And as he starts talking about life insurance, he says, "You can be dead tomorrow." (Great ice breaker).
I guess it was feasible -- a 32-year-old with no history of serious health problems could drop dead all of a sudden within the next 24 hours, get in a deadly car accident, get hit by a car, struck by lightning, or some other calamity. But, hey, I'm a risk taker, and I figured I might live through the next day, so I turned it down.
I had plenty of life insurance through my employer at the time anyway, but I might have been a little more interested in purchasing more from James if he didn't have an ash tray full of cigarette butts sitting on his desk, tipped the scales at around 350 pounds and wasn't hacking through his whole presentation.
Knowing that he was around 50, and comparing him to the physical condition I was in at the time, I figured the chances at me living at least another 18 years were pretty good.
So, quick tip for State Farm, Country Companies and the other insurance companies -- when you're selling life insurance, have salespeople who at least look like they might live past 60-years -old.
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