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Is selling mortgage protection insurance a good job?
I have been offered a job selling mortgage protection insurance. All sales leads are pre-generated and there is no “cold calling.”
Of course, like any sales job, the company has assured me that I can earn a six-figure income within the first year; but I don’t know what to believe.
Anybody know anything about this industry?
Is this a waste of time?
It depends on whether or not mortgage protection is the only thing you’re allowed to sell. Mortgage protection is a great door opener. People are not very open to discussing life insurance out of the blue, but a discussion of their mortgage payment disappearing is an effective way to get them thinking.
As usual, when life insurance is involved, always ignore Judy. Her post here illustrates perfectly. She apparently hadn’t even heard of mortgage protection, and yet she jumps right in! Mortgage protection is nothing more than a decreasing term policy designed to maintain a death benefit sufficient to pay off one’s mortgage in the event of death. Generally, if there is any other survivorship need, the mortgage payoff should simply be rolled into the calculation for a more traditional product. Mortgage protection coverage does, however, have a couple of strong advantages. Many products are guaranteed or simplified issue, so they’re easier to get approved; and most can be purchased on a joint “first-to-die” basis, meaning that the death benefit is paid if either spouse or co-owner dies, saving substantial policy expense by buying one policy versus two.
And finally, “smart people” [ref Judy's post] know that term is not always the best or most cost efficient option. Every life insurance product in existence is more appropriate than any other for a given individual in a particular situation. Hopefully, you’ll have the freedom to sell only the best solution for each client’s need.
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