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Duluth/Superior Author, Ter Scott publishes: VRM: Visualize, Realize, Materialize. Business Owners find it helpful.

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Life, Health, Medicare and Long Term Insurance Duluth MN, Terry L. Scott Interview

WHO IS THIS GUY (Terry L Scott) AND

WHY SHOULD HE BE YOUR INSURANCE PROFESSIONAL?

Q. How would you answer that question?

A. With a question. If you were going to have brain surgery done, you would want the best doctor doing the surgery right? Just as if you are the best in your field, such as real estate, plumbing, teaching or doctoring, I would want you and your service. So my question is, why “settle for” less than the best when it comes to your money, your future well-being of yourself and your family? You can have the best; I’m the best.

Q. That’s quite a statement, can you back it up?

A. (Chuckle) Sure; I’ll try. I know that sounds a bit conceited and boastful but I truly am the best, and every day I get up early to continue to stay on top of things and remain “the best”. Am I saying that I know it all, that someone else can’t offer similar products, or that I don’t make mistakes? No. However, I know my passion is to help others and to do right by them and for them. Insurance can be confusing so I’ve taken the training and obtained the license to be an agent, but I do more. I do my own continual learning so I continue “being” the best. Also, I surround myself with other professionals, who are also “the best”, if I don’t have the answer, I get it.

Q. How did you get started in the industry?

A. Over 10 years ago I worked for a couple of insurance companies and I got turned off because it was more about the agent making the sale and not about helping the client; at least that’s what I got out of it. I let my license lapse thinking that I would never, ever, do that again. Then “life happened”.

Q. What do you mean?

A. I had a close friend whose mother had retired and had a condition and she certainly would have been made more comfortable if she had some things (insurance wise) in place. She went through all of her savings, and everything had to go to her end of life needs when she could have used more money and options during this time.

Also, in other cases, I saw how those turning 65 really need help in making insurance choices.

Q. Choices?

A. Yes, many people think that when they turn 65 that everything is “taken care of” but it’s like going back to school again. They get numerous phone calls from agents every day. They get bombarded with mail from Medicare and all of the insurance companies who want to help. This goes on for months. It’s overwhelming and confusing. And it’s scary; making the wrong choice during this window of enrollment can adversely affect the rest of one’s life in how and what they can do.  

Q. So you got into the industry years ago, got out, had these recent experiences and…

A. Yes, I got back involved with insurance. Either the industry changed (which I know it has) or I have, or both. I was working full time but would get up very early every morning and took hours and hours of tests online. When I was done and thinking that I was “finished” another module and test would “appear”; it seemed to go on forever! But I was determined to continue. I passed and obtained my license in Life and Health for both Wisconsin and Minnesota. (I definitely will keep renewing them because I don’t ever want to start from scratch again!)

Q. What would you want the “person on the street” to know about insurance?

A. There is an organization called LIMRA which offers statistics concerning insurance. A few things that stand out to me is that most people think insurance costs about 3 times more than it actually does, and more people would buy insurance if someone approached them! Plus, I’d like to let everyone know too that there are laws and regulations that safeguard and protect the consumer of insurance products so there is no real reason why someone should be apprehensive to sit down and visit with an insurance professional to get an assessment (picture) of their situation. Believe me, with all it takes to get licensed and with all of the laws that protect the consumer, agents are very, very careful to do what’s right for the consumer!

Q. Anything else that you’d like to add?

A. In my time as an agent, I’ve been privileged to work with several companies and have seen how most operate. There is probably not a bad company out there. I think most agents and the companies they represent have the consumer’s best interest in mind. However, I know that I’m in the right place and I’m glad now to represent HealthMarkets. It offers many products from many different companies so I am not biased to any one, and can really create the right customized and affordable “corporate style” benefits package for a client using products from any of these fine companies; I like that.

Terry Scott is an agent with HealthMarkets. 

See his site at: www.HealthMarkets.com/Terry.Scott.