Do you exercise regularly... eat right... stay healthy? There's no reason you shouldn't enjoy a long, productive life. Now, make another smart move to protect your future: buy term life insurance. Even though you take care of yourself, you still need insurance. Virtually every adult does. And for parents, it is essential. That's because insurance benefits can replace all or part of your income when you die. That income replacement can cover your family's most important expenses... among them, your children's college education.

Rule Number Two (#2) - Tell the client about what they have just purchased and how to use it. Most successful financial service professionals have a mental checklist of the topics they want to cover in a delivery appointment. Take that idea to the next level. Use an "AGENDA" to review ALL the important features of the product. Make sure they know to keep the material or policy in a safe place. Tell them to show family members where things are located in Manulife Vitality the event something should happen. If the company requires a delivery receipt, maybe you should too. After all, you are running a business, right?



A cash value life insurance policy is an excellent source of liquidity, if you've build up enough cash in the policy. On the other hand, you could take from your retirement Manulife Vitality Plan or 401(k).

Besides the claim that it helps you lose fat and therefore weight, the DSP also guarantees you increased energy, health and vitality all at the same time. Can this be true? Well, the developer of the Diet Solution Program, Isabel De Los Rios, is a nutrition and exercise specialist with 10 years of experience. Apparently she struggled to lose weight herself. Besides that, her mother had severe diabetes. This led her to study and research for 15 years to find the best nutrition information available.

Many business owners Manulife Vitality health program face retirement situations like Joe. They want to have the ability to put money away without being tied to a bunch of regulations and tax law.

Lower Wages: Yes, smokers are looked down on in business. Most companies do not allow smoking on the premises and some don't allow smoking at all. In other words, their insurance program doesn't include you if you are a smoker and they don't want you around. In fact, folks get fired because they are heavy smokers because the company does not want to pay their future medical cost.

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.

You simply fill out and online application and you;'re almost done. If your age and amount of insurance require a medical examine you'll be contacted immediately and schedule for someone to stop by for probably a half hour to take your blood pressure, obtain a urine sample and ask you a few questions.