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 Financial planning sure can seem daunting, but it's critical to understand your financial situation so you can actively develop a plan for the future. We have fantastic resources to help you on your way so be sure to contact us after you read here and watch the video. It's your money, so taking an active role makes sense! My process is meant to be interactive and collaborative and is broken down into five basic steps. The most crucial first step is to Choose Your Team. Your team is the group of professionals who will help you plan your financial goals and responsibilities for the near and distant future. It can include a financial planning professional, life or health insurance agent, tax advisor, attorney, trust officer or investment broker. For a complete list of professionals, refer to the Basic Steps in the Financial Process section of our guide - contact us to order yours today. Make sure the advisors you choose are a good fit for you. They must understand your needs and agree on your goals for the future. This is crucial! The second step in the process is to Gather Information, including quantitative and qualitative information, such as your goals and objectives, assets and liabilities, cash flow, the current status of your retirement, and estate and risk management planning. Phew! This step can take some time, so be sure not to rush the process. Ensure you have provided all the relevant information to your financial planning advisor so they can move on to the following three steps: Analyze Data, Making Recommendations and Decide and Implement. And remember, completing the process doesn't mean you're all done. You will want to have an annual review of your plan because the world is constantly changing, and your needs may too! Don’t delay - contact us today for the resources you need to get started! I wish you peace, love, and gumbo! Marvin LeBlanc, LUTCF, CNP 615 Central Ave, New Orleans, LA 70121 504.731.6767 Marvin.LeBlanc.cdia@statefarm.com Author Come Hell or High Water – Life Lessons from Hurricane Katrina, Facing Life’s Greatest Challenges No Matter What From Free Speech to Paid Speaker – An Exclusive Interview with Marvin LeBlanc, LUTCF, CNP 13 Rules for Solid Business Growth -- Work Less, Sell Smarter – The Cajun Way Our books, e-books, audiobooks, speaker services & training services are all waiting for you at... https://www.MarvinLeBlanc.com Call us today at... 225-938-4177 Toll Free 1-855-441-0288 504-731-6767 Email us at... marvinleblancspeaker@gmail.com marvin.leblanc.cdia@statefarm.com Please follow us on... https://www.linkedin/in/marvinleblanc https://www.facebook.com/ComeHellorHighWater https://www.Instagram.com/marvinleblancspeaker https://twitter.com/insurelouisiana https://twitter.com/MarvinLeBlanc Visit our websites at... https://www.MarvinLeBlanc.com https://www.MarvinLeBlancInsurance.com PS : we’d be so grateful if you shared this article with someone that might benefit
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 As a licensed insurance and financial services professional for 35 years, I have served many residents in the state of Louisiana and learned a great deal about their experiences with the insurance industry. The question many of these fine people have asked is, "What makes Marvin LeBlanc Insurance Agency special? And why would it matter to me?" The answer is simple. I operate with a consistent process and use a valuable system to assist my clients - the Client Profile system. Many people think price is the most crucial aspect to consider when buying insurance, but this is not true. Price is not everything. Understanding the client is everything. Many people are afraid of talking to an insurance agent because they don't know what to expect or don't know what to ask. My simple one-page Client Profile is essentially a "talk sheet" that allows me to gather information and take away the insurance mystery. It's broken down into three sections that will enable me to ask questions and gather information about your situation to understand your needs better. We won't even talk about policies, packages or prices until we can chat and work through the Client Profile talk sheet together. There are the three sections on the Client Profile Section One In this section, I request basic information like your name, occupation, marital status, a preferred method of communication and who is in your household. You may be wondering why your marital status is important. If your marital status changes, it can affect your financial plans and needs. The preferred method of communication is also essential as many people now prefer text or email to a phone call, and we respect how you wish to be contacted. Understanding who is in your household can be helpful when considering if there are elderly parents or young children whose needs may need to be considered. Section Two In this section, I'm asking permission to engage with you as the customer to gather vital information about your current insurance. To start, do you have health insurance coverage? If so, is it through your employer? Do you have disability coverage? Long-term? Short-term? In many cases, this is where you, the customer, can ask for clarification on current coverage, like what disability insurance does and how it can help if you become sick or injured and can't work. We also need to know if you currently have life insurance and whether it is through your employer. If you have life insurance outside of a work policy, understanding when and why you bought it helps us address any changes to your family or financial situation. We ask about current insurance to ensure you have one point of contact with us in the event of a death in the family. In some cases, the spouse is not aware that they must submit a death claim to the insurance company if their partner passes away. The passing of a loved one is a traumatic time, and as the surviving spouse, you want the process to be as painless as possible. An insurance professional can help with the process and get you through this difficult time. If you haven't caught it yet, we do things a little differently at Marvin LeBlanc Insurance. We're not a quoting service; we're a people service. Section Three This section covers retirement planning. We want to know information like: Do you have a 401K plan – an employer-sponsored savings plan? Do you have a pension through your employer? For example, I grew up in a small town in south Louisiana, and many people worked at a chemical plant. When they retired, they got a pension. Not many companies do this anymore, so it’s critical for us to understand whether you have a pension. Also, let us know if you're not going to qualify for Social Security. Let us know if you don't know how much you will get from Social Security when you retire so we can investigate this for you. Do you have an IRA – Individual Retirement Account? If not, you may qualify for one. In addition to the above sections, we like to ask our clients other questions to get to know them better, including: Have you ever had any financial planning or estate planning? Have you ever visited with an attorney? Do you have a will? If not, are you aware that you can get a will made for $75? Are you also aware that in the state of Louisiana, you cannot die without a will? But you can die without your will. Many people do not want to face the reality that they will eventually die, and do not write out a simple statutory will indicating who receives what. A statutory will means you can avoid any potential arguments within the family after you die. A medical will is a one-page document that indicates your wishes of no additional life-saving resuscitation efforts signed by two physicians who consider your quality of life should you suffer a severe illness or medical event. Do you have a PLUP – Personal Liability Umbrella Protection? A PLUP is a protective umbrella that rides on top of your homeowners and automobile insurance policy. Do you have a savings plan? We may do nothing more than add this information into your confidential file, or we may have options for you to consider. Are you a business owner? There are programs for business owners that didn't exist a decade ago. We can help determine if you qualify for any. What is your family income range? This information helps us understand what tax bracket you are in to recommend a product that best suits your needs. These may seem like a lot of questions, but I can tell you from personal experience how important it is to keep all your essential information in one place. I lost everything after Hurricane Katrina, but thankfully was able to retrieve all the data on my computers. It's easy to overlook the importance of keeping copies of information like birth certificates, policies, warranties and driver's licenses in one place. That's why having a great relationship with your insurance professional makes it easier to access your information if a catastrophic event like a flood or fire occurs. By completing a simple one-page Client Profile, we are well on our way to an easy and enjoyable first appointment! Ask us about our income protection programs, tax-efficient financial planning services, and college savings accounts offered free of charge! The more we know, the more we can help. At Marvin LeBlanc Insurance Agency, we are your most valuable resource. I wish you peace, love, and gumbo! Marvin LeBlanc, LUTCF, CNP 615 Central Ave, New Orleans, LA 70121 504.731.6767 Marvin.LeBlanc.cdia@statefarm.com Author Come Hell or High Water – Life Lessons from Hurricane Katrina, Facing Life’s Greatest Challenges No Matter What From Free Speech to Paid Speaker – An Exclusive Interview with Marvin LeBlanc, LUTCF, CNP 13 Rules for Solid Business Growth -- Work Less, Sell Smarter – The Cajun Way Our books, e-books, audiobooks, speaker services & training services are all waiting for you at... https://www.MarvinLeBlanc.com Call us today at... 225-938-4177 Toll Free 1-855-441-0288 504-731-6767 Email us at... marvinleblancspeaker@gmail.com marvin.leblanc.cdia@statefarm.com Please follow us on... https://www.linkedin/in/marvinleblanc https://www.facebook.com/ComeHellorHighWater https://www.Instagram.com/marvinleblancspeaker https://twitter.com/insurelouisiana https://twitter.com/MarvinLeBlanc Visit our websites at... https://www.MarvinLeBlanc.com https://www.MarvinLeBlancInsurance.com PS : we’d be so grateful if you shared this article with someone that might benefit  Building a good credit score doesn’t happen overnight – but killing your credit score can. Review these seven common mistakes that are true credit score killers.
Hello Marvelous Folks! As you are purchasing new vehicles or any large ticket items, please pay attention to these credit score killers that I have listed for you. Credit Score Killer #1: Avoiding Credit in the First Place Some people have the misconception that it is just better not to have or use credit. But in today’s world, a good credit score is a must. You need to show that you can use credit responsibly. When you do, you build a positive credit history and score. If you never apply for or use credit, you’ll never build a history and score – which will make it very difficult for you to get the things that you need later, such as a job, a car, insurance, a place to live, or a job. Credit Score Killer #2: Taking on Too Much Credit Too Quickly If you open several accounts all one after the other within a short time frame, you are waving big red flags that can cause problems for you now and in the future – especially if you are young and don’t have much of a credit history. While it may be tempting to access all that available credit, be wise and take it slow. Your future self will thank you. Credit Score Killer #3: Being Late on Your Bills One of the first things a lender wants to know is do you pay your bills on time? Your timeliness in paying your current obligations is so important to lenders that it comprises a whopping 33% of your credit score. Pay your bills on time. Even a single late payment can negatively affect your credit score. Credit Score Killer #4: Skipping Your Bills Late payments are bad enough, but if you start missing payments, your credit score will nosedive. But a foreclosure or bankruptcy can drop your score by 100 points of more. Credit Score Killer #5: Hitting the Limits on Your Credit Card(s) Credit experts recommend that each credit cards’ balance should not be more than 30% of the card’s credit limit and ideally below 10%. That means if you have a card with a $10,000 limit, your balance should be no more than $3,000. Better yet, keep it below $1,000. Lenders want to see that you use credit, and use it responsibly. Credit Score Killer #6: Withholding Payment on a Disputed Charge Even if you are disputing a charge on your credit card bill you should still pay the entire bill on time, including the disputed amount. Don’t withhold the disputed amount when you make your payment – the credit card company will view that as an incomplete or late or missed payment – which will really hurt. Just make the payment and continue the dispute without putting your credit score at risk. Credit Score Killer #7: Co-signing Be careful! When you co-sign a loan for friends or family, if they are late on a payment or miss a payment, there will be consequences to your credit score, too. If you are a co-signer, make sure that the person you are helping can and will make those payments on time. Some common sense advice here folks - take it to heart and avoid trouble down the road. Peace, love, and gumbo! Marvin LeBlanc, LUTCF, CNP 615 Central Ave, New Orleans, LA 70121 504.731.6767 Marvin.LeBlanc.cdia@statefarm.com Author Come Hell or High Water – Life Lessons from Hurricane Katrina, Facing Life’s Greatest Challenges No Matter What From Free Speech to Paid Speaker – An Exclusive Interview with Marvin LeBlanc, LUTCF, CNP 13 Rules for Solid Business Growth -- Work Less, Sell Smarter – The Cajun Way Our books, e-books, audiobooks, speaker services & training services are all waiting for you at... https://www.MarvinLeBlanc.com Call us today at... 225-938-4177 Toll Free 1-855-441-0288 504-731-6767 Email us at... marvinleblancspeaker@gmail.com marvin.leblanc.cdia@statefarm.com Please follow us on... https://www.linkedin/in/marvinleblanc https://www.facebook.com/ComeHellorHighWater https://www.Instagram.com/marvinleblancspeaker https://twitter.com/insurelouisiana https://twitter.com/MarvinLeBlanc Visit our websites at... https://www.MarvinLeBlanc.com https://www.MarvinLeBlancInsurance.com PS : we’d be so grateful if you shared this article with someone that might benefit  Recently, I attended a meeting with Glen Harris, a world class leader, one of my mentors and an overall excellent human being. He started his presentation with a quote: “A recent Harvard study has concluded that 100 percent of all humans will definitely die.”
Obviously his study was mythical and his point was humorous. But it posed an important question for advisors: How is it that our prospects and clients understand the need to buy car insurance and home insurance, but so often don’t seem to understand the need to buy life insurance? As life insurance salespeople, you would think the deck would be stacked in our favor. Both car and home insurance policies may never have a claim. With life insurance, we know beyond a shadow of a doubt that we're going to have a claim at some point in time. There is a clear disconnect here between need and action. It is something that we as agents can rectify. May I ask you to please work through this quick four-step exercise with me? (It will lead you to MORE sales.) Step 1: Write down the names of three clients that you have successfully implemented a life insurance program for in the last year. Take your time. Step 2: Now, think specifically about the conversation that you had with these three people. What did you say exactly that piqued their interest? Think hard, then write that down. Step 3: Ask yourself what motivated these three prospects to buy. This motivation, along with what you said to gain their interest, is what's going to be needed to motivate the next family or business client to implement a program with you. Oftentimes, I find that you can actually place more life insurance by not talking about life insurance. Talk instead about the benefits that a quality life plan will provide. Always answer the question: “What's in it for them?” Step 4: Now be honest with yourself. Did you thoughtfully ask these three happy clients to be introduced to their friends, neighbors, co-workers and relatives? If I were with you now, could you show me these referred leads? YOUR TWO BIGGEST CHALLENGES This simple four-step system solves your two biggest challenges: always needing an inventory of good referrals to contact and always needing to cover the right information that leads a prospective buyer to buy. In closing, here are a few thoughts and questions to seriously consider:
Until next time, stay committed to being significant in the lives of those you serve. Peace, love, and gumbo! Marvin LeBlanc, LUTCF, CNP 615 Central Ave, New Orleans, LA 70121 504.731.6767 Marvin.LeBlanc.cdia@statefarm.com Author Come Hell or High Water – Life Lessons from Hurricane Katrina, Facing Life’s Greatest Challenges No Matter What From Free Speech to Paid Speaker – An Exclusive Interview with Marvin LeBlanc, LUTCF, CNP 13 Rules for Solid Business Growth -- Work Less, Sell Smarter – The Cajun Way Our books, e-books, audiobooks, speaker services & training services are all waiting for you at... https://www.MarvinLeBlanc.com Call us today at... 225-938-4177 Toll Free 1-855-787-9669 504-731-6767 Email us at... marvinleblancspeaker@gmail.com marvin.leblanc.cdia@statefarm.com Please follow us on... https://www.linkedin/in/marvinleblanc https://www.facebook.com/ComeHellorHighWater https://www.Instagram.com/marvinleblancspeaker https://twitter.com/insurelouisiana https://twitter.com/MarvinLeBlanc Visit our websites at... https://www.MarvinLeBlanc.com https://www.MarvinLeBlancInsurance.com PS : we’d be so grateful if you shared this article with someone that might benefit  A little knowledge can go a long way in helping reduce your auto insurance premiums.
Many drivers incorrectly assume that their auto insurance premium cannot be reduced. But, there are some very specific things a driver can do to reduce their auto premiums. Check out this list of five ways to make your auto insurance more affordable: 1. Take a defensive driving course. Drivers who have taken defensive driving courses generally have a lower chance of causing an accident. Such courses can help new drivers and/or high-risk drivers reduce their insurance premiums. 2. Park it inside. A vehicle that spends most nights in a garage enjoys a lower risk of damage than a vehicle that is regularly parked on the curb. If you can keep your car inside at night, you may see a reduction in car insurance premiums. 3. Choose a car with safety devices. Devices such as airbags, always-on headlights, anti-lock brakes, rear view cameras and blind spot warning systems will improve a car's safety rating and functionality. 4. Improve your own credit score. In many states, car insurance companies factor in your credit score when calculating your premiums. Data proves that people with higher credit scores make fewer automobile insurance claims that drivers with lower credit scores. As you clean up your credit, you may see better insurance rates. 5. Bundle with other policies. Most insurance companies offer discounts when you carry multiple policies with them. Talk to your insurance agent and find out what additional discount are available. Don’t worry about how difficulty you think it might be to switch your other policies (renters, home, life, umbrella, etc.) – let your agent help you do that. Before you take any of these steps, let’s talk and see which of these may have the greatest positive impact on your auto insurance rates. We’re happy to review your current car insurance and make sure you understand what your policy covers, whether or not you have enough liability insurance, and check for all available discounts! Peace, love, and gumbo! Marvin LeBlanc, LUTCF, CNP 615 Central Ave, New Orleans, LA 70121 504.731.6767 Marvin.LeBlanc.cdia@statefarm.com Author Come Hell or High Water – Life Lessons from Hurricane Katrina, Facing Life’s Greatest Challenges No Matter What From Free Speech to Paid Speaker – An Exclusive Interview with Marvin LeBlanc, LUTCF, CNP 13 Rules for Solid Business Growth -- Work Less, Sell Smarter – The Cajun Way Our books, e-books, audiobooks, speaker services & training services are all waiting for you at... https://www.MarvinLeBlanc.com Call us today at... 225-938-4177 Toll Free 1-855-787-9669 504-731-6767 Email us at... marvinleblancspeaker@gmail.com marvin.leblanc.cdia@statefarm.com Please follow us on... https://www.linkedin/in/marvinleblanc https://www.facebook.com/ComeHellorHighWater https://www.Instagram.com/marvinleblancspeaker https://twitter.com/insurelouisiana https://twitter.com/MarvinLeBlanc Visit our websites at... https://www.MarvinLeBlanc.com https://www.MarvinLeBlancInsurance.com PS : we’d be so grateful if you shared this article with someone that might benefit  Welcome back Folks - thanks for joining me for Part 2 in our series on the very important topic of permanent life insurance and how a plan like this can help ensure your family's financial security. If you missed Part 1, you can take 3 minutes to watch the video by clicking right here... Click to watch Part 1 In Part 1 we learned the basics of concept of T.I.R.E.D. It's an acronym that will help you understand the many important benefits of a permanent life insurance plan and how this type of plan can help to ensure the financial security fo your family. Here's a brief summary of the elements of T.I.R.E.D. Be sure to watch all of both videos to get the whole story. T Tax deferred cash value build up No taxes are paid on the cash value build until funds are withdrawn. I Income replacement This is where income is replaced after the death of the insured party (70%) R Retirement Benefits This is a monthly check known as retirement income, which offsets living expenses because the client is no longer working E Emergency Funds and/or Education Funds This amount needs to be equal to at least 8 or 9 months of your monthly income D Disability Provision In the event of sickness or injury and as a consequence the client can’t work; the disability provision allows an income to sustain a family. As always, please reach out to us to discuss your needs. Peace, love, and gumbo! Marvin LeBlanc, LUTCF, CNP Author Come Hell or High Water – Life Lessons from Hurricane Katrina, Facing Life’s Greatest Challenges No Matter What From Free Speech to Paid Speaker – An Exclusive Interview with Marvin LeBlanc, LUTCF, CNP 13 Rules for Solid Business Growth -- Work Less, Sell Smarter – The Cajun Way Our books, e-books, audiobooks, speaker services & training services are all waiting for you at... https://www.MarvinLeBlanc.com Call us today at... 225-938-4177 Toll Free 1-855-787-9669 504-731-6767 Email us at... marvinleblancspeaker@gmail.com marvin.leblanc.cdia@statefarm.com Please follow us on... https://www.linkedin/in/marvinleblanc https://www.facebook.com/ComeHellorHighWater https://www.Instagram.com/marvinleblancspeaker https://twitter.com/insurelouisiana https://twitter.com/MarvinLeBlanc Visit our websites at... https://www.MarvinLeBlanc.com https://www.MarvinLeBlancInsurance.com PS : we’d be so grateful if you shared this article with someone that might benefit  Hi Folks - a quick update to introduce you to the concept of T.I.R.E.D. It's an acronym that will help you understand the many benefits of a permanent life insurance plan and how this type of plan can help to ensure the financial sercurity fo your family. Once you've watched this introductory video, click here to head over to the next video on the subject and learn even more on the subject - it's called 'T.I.R.E.D. Part 2'. Click here to watch Part 2 As always, please reach out to us to discuss your needs. Peace, love, and gumbo! Marvin LeBlanc, LUTCF, CNP Author Come Hell or High Water – Life Lessons from Hurricane Katrina, Facing Life’s Greatest Challenges No Matter What From Free Speech to Paid Speaker – An Exclusive Interview with Marvin LeBlanc, LUTCF, CNP 13 Rules for Solid Business Growth -- Work Less, Sell Smarter – The Cajun Way Our books, e-books, audiobooks, speaker services & training services are all waiting for you at... https://www.MarvinLeBlanc.com Call us today at... 225-938-4177 Toll Free 1-855-787-9669 504-731-6767 Email us at... marvinleblancspeaker@gmail.com marvin.leblanc.cdia@statefarm.com Please follow us on... https://www.linkedin/in/marvinleblanc https://www.facebook.com/ComeHellorHighWater https://www.Instagram.com/marvinleblancspeaker https://twitter.com/insurelouisiana https://twitter.com/MarvinLeBlanc Visit our websites at... https://www.MarvinLeBlanc.com https://www.MarvinLeBlancInsurance.com PS : we’d be so grateful if you shared this article with someone that might benefit  Selling insurance can be difficult. Really difficult. Depending on the person you are speaking with, reading their level of interest can sometimes prove impossible. What are they interested in? Is there a particular part of a plan are they leaning towards? What’s the most important element to them and their family? So, you as an insurance agent need to explain each piece of the insurance puzzle as easily and succinctly as you possibly can. You want them to leave you full of information and knowledge on the various elements which make up an insurance policy. To do this, we use the Tired Talk method. This is a method of discussing the various topics within insurance in a succinct and easy to understand manner. Nothing is complicated where each point is covered simply. Elements are repeated and points are reaffirmed to ensure clear delivery of the presentation. We have broken it down to show you the elements involved in each part of the process. T Tax deferred cash value build up Taxes are paid on the cash value build until funds are withdrawn. I Income replacement This is where income is replaced after the death of the insured party (70%). R Retirement Benefits This is a monthly cheque known as retirement income, which offsets living expenses because the client is no longer working. E Emergency Funds and/or Education Funds This amount needs to be equal to at least 8 or 9 months of your monthly income. D Disability Provision In the event of sickness or injury and as a consequence the client can’t work; the disability provision provides allows an income to sustain a family. The language used in this discussion needs to be very personal to the client and their life. Using the words ‘your cash’, ‘your home’, ‘and ‘your family’ personalizes the message and puts them in a family orientated mindset of concern to do the right thing. After all, as agents, that’s what we are there for. There are many other elements to having this discussion that requires a lot of in-depth psychology and science. Most may not know much about insurance so you need to assume that this is the type of person you are speaking to. It is a teaching type of sale that requires a lot of thought and knowledge not only around the subject itself but around people. Checking knowledge and reaffirming points are all part of this process. So too is reassurance and empathy. This is a person who wants to make the very best choice for their family. We are there to provide clarity and the best solution for them individually. We have had years of experience within this area and know that this method not only works, but it works really well. The testimonials we have received demonstrate this clearly. Click to read testimonials To talk to us more about how to use this method and scripting, we would be more than happy to give you more information. Contact us today to find out more. Peace, love, and gumbo! Marvin LeBlanc, LUTCF, CNP Author Come Hell or High Water – Life Lessons from Hurricane Katrina, Facing Life’s Greatest Challenges No Matter What From Free Speech to Paid Speaker – An Exclusive Interview with Marvin LeBlanc, LUTCF, CNP 13 Rules for Solid Business Growth -- Work Less, Sell Smarter – The Cajun Way Our books, e-books, audiobooks, speaker services & training services are all waiting for you at... https://www.MarvinLeBlanc.com Call us today at... 225-938-4177 Toll Free 1-855-787-9669 504-731-6767 Email us at... marvinleblancspeaker@gmail.com marvin.leblanc.cdia@statefarm.com Please follow us on... https://www.linkedin/in/marvinleblanc https://www.facebook.com/ComeHellorHighWater https://www.Instagram.com/marvinleblancspeaker https://twitter.com/insurelouisiana https://twitter.com/MarvinLeBlanc Visit our websites at... https://www.MarvinLeBlanc.com https://www.MarvinLeBlancInsurance.com PS : we’d be so grateful if you shared this article with someone that might benefit  Hello Marvelous people and welcome to another edition of The Marvelous Minute! In this segment, we unravel the difference between a problem and a situation. These are two terms that many people will sometimes use interchangebly, however in reality they represent two very different things. In this video we'll help you discern between the two and provide suggestions for how to focus your energy on the things you can control versus the things that are out of your control. As always, we would love to talk with you about your own experiences so please reach out to us to arrange a chat. And please be sure to check out the rest of our free resources here on the site. Enjoy the video! Peace, love, and gumbo! Marvin LeBlanc, LUTCF, CNP Author Come Hell or High Water – Life Lessons from Hurricane Katrina, Facing Life’s Greatest Challenges No Matter What From Free Speech to Paid Speaker – An Exclusive Interview with Marvin LeBlanc, LUTCF, CNP 13 Rules for Solid Business Growth -- Work Less, Sell Smarter – The Cajun Way Our books, e-books, audiobooks, speaker services & training services are all waiting for you at... https://www.MarvinLeBlanc.com Call us today at... 225-938-4177 Toll Free 1-855-787-9669 504-731-6767 Email us at... marvinleblancspeaker@gmail.com marvin.leblanc.cdia@statefarm.com Please follow us on... https://www.linkedin/in/marvinleblanc https://www.facebook.com/ComeHellorHighWater https://www.Instagram.com/marvinleblancspeaker https://twitter.com/insurelouisiana https://twitter.com/MarvinLeBlanc Visit our websites at... https://www.MarvinLeBlanc.com https://www.MarvinLeBlancInsurance.com PS : we’d be so grateful if you shared this article with someone that might benefit  In our line of work, we are in the business of protection. We guide and advise both clients and insurance agents on the various ways in which homeowners need to look into the future to consider all the possibilities. This is not always in a good way. Life throws a lot of curveballs, and working in insurance, we provide our clients with the means to cushion the road, making the journey as easy as possible. We also guide fellow agents with structured courses on how to provide the best possible advice to their clients. The right protection provides for cover in an emergency. If you need to stay in alternative accommodation on a short term, or rebuild your home because of fire, such terrible circumstances are made a little easier if you and your customers have the right insurance in place. All of us within the insurance industry are familiar with the “triangle of protection” presentation, which details the different insurance available for homeowners. First, we have home insurance against fire for example. Second, life insurance. This provides for those who may lose a spouse and means that the mortgage on a home would be paid for should one/both pass away. The third corner of the triangle covers disability income. We know that this covers everything from being in a car accident to unfortunately developing Cancer. Illness and accidents are so common, it is one of the wisest decisions to make to ensure your family is protected within every facet of their life. Considering all of the above, what do you think may be missing from the triangle of protection? In a location such as South Louisiana or other similar areas across the United States? I often explain to people that it’s not only fire that can lead to losing a home. There are four ways in which this can happen. The triangle of protection is actually a box of protection. Apart from Fire, death or disability, there is another way in which you can lose your home and that is from the impact of a flood. Many people may feel they don't need flood coverage because they don't live in a traditionally flood-prone area, but unfortunately you can't count on that any longer. Across North America the incidence of flooding events is increasing. Changes to climate are turning areas where you may never have expected flooding, into areas of risk. The bad news - if you aren't covered, you can lose your home. The good news - coverage is easy to obtain by simply having the conversation with your insurance professional. The really good news? If you live in an area where flooding has not traditionally been a concern, your coverage will be even less expensive. That can make your decision to protect your home from flood damage even easier. Insurance can often be one of those subjects that lead to glazed over eyes or comments like ‘Oh I really don’t have time to think about that just now”. Our advice, is always “Think about it”. Life happens and so do accidents, fires and ill-chosen insurance policies. Take a look at five big insurance mistakes to give you a better picture on what can happen if we don’t fully consider all of our options. When it comes to the “Box of Protection”, contact us today to learn more on the other options you or your clients need to consider with insuring a home. Our team would be happy to speak to you on the different opportunities you have as an insurance agent to help your clients in terms of complete cover. There is a multitude of options to consider depending on client circumstances, particularly where they live in terms of geographical location. Talk to us to find out more. Peace, love, and gumbo! Marvin LeBlanc, LUTCF, CNP Author Come Hell or High Water – Life Lessons from Hurricane Katrina, Facing Life’s Greatest Challenges No Matter What From Free Speech to Paid Speaker – An Exclusive Interview with Marvin LeBlanc, LUTCF, CNP 13 Rules for Solid Business Growth -- Work Less, Sell Smarter – The Cajun Way Our books, e-books, audiobooks, speaker services & training services are all waiting for you at... https://www.MarvinLeBlanc.com Call us today at... 225-938-4177 Toll Free 1-855-787-9669 504-731-6767 Email us at... marvinleblancspeaker@gmail.com marvin.leblanc.cdia@statefarm.com Please follow us on... https://www.linkedin/in/marvinleblanc https://www.facebook.com/ComeHellorHighWater https://www.Instagram.com/marvinleblancspeaker https://twitter.com/insurelouisiana https://twitter.com/MarvinLeBlanc Visit our websites at... https://www.MarvinLeBlanc.com https://www.MarvinLeBlancInsurance.com PS : we’d be so grateful if you shared this article with someone that might benefit |
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