Term insurance requires the smallest outlay of cash. A man, age 35, could carry $100,000 of five-year term at a net premium of only $300 per year. He'd have to pay a net of for the same Manulife Vitality amount of whole life insurance.
Tell everybody in Hell's Half Acre that you are going to quit smoking and that Manulife Vitality Plan you hope they will give you their support and undivided attention until you do quit.
He caught himself. By sheer willpower he forced his mind to think on other things as he flicked the light out. Walking slowly across the gravel drive to the house, he noticed his hips and lower back were hurting more and more each day. What had been a good life slowly turned to a nightmare when he checked online and found that his symptoms indicated he had prostate cancer.
Personal connection is the secret ingredient of marketing and sales success stories. Just take an informal poll of the commercials on TV. How many commercials show pets, kids, grandparents and families? Stories personal connections Manulife Vitality health program and emotions sell. Does your sales presentation have the compelling elements?
It may well be that some family may pick a plan that retails at, say, $900/mo. And they may only have to pay $200/mo., with the government paying the difference. So you can see that we are not talking small change here.
Make a simple budget. This is another step that many people dread. Well, it doesn't have to be complicated. Make a simple list of the things you spend on every month, including your minimum debt payments. Write down how much you spend on each one (and be realistic). Total it up. Then add up your income, and see if the income exceeds the expenses. If not, you'll need to reduce the expenses.
The best part about being in a licensed industry compared to the unlicensed area of the MLM players is that those who try to mislead or hurt others can quickly be removed and barred. This protects the industry and the individual efforts of those who genuinely like helping people in need.