Money means life in this fast paced, highly commercialized world we live in. It fuels our every move and it spells survival in the modern jungle. It doesn’t only provide and secure for us the satisfaction of our basic needs for food, clothing, and shelter. It also secures our future and the future of our families including their welfare when we are gone, our life cut short unexpectedly by sickness or accident, incidents oftentimes unforeseen and fortuitous and from which in almost all cases, because of its unpredictable character, we are almost defenseless.
An ordinary worker, therefore, normally does not think it is worth the time, the effort and, most especially, the money to contract out an insurance policy. Cheap term life insurance quotes mean nothing to him as he thinks only of securing the fulfillment of his family’s immediate needs. Who has a hard time fulfilling current needs cannot think of fulfilling future needs. Who wants to die now anyway? Nobody even wants to think of it. There is too much to worry about more than death or disability. Considering life insurance quotes is by itself pessimistic, therefore.
However, that is precisely the point. Nobody wants to die prematurely. Yet that possibility lurks everywhere. And nowhere is the danger more real than in the everyday circumstances of the ordinary worker such as a carpenter or high rise construction worker, or even a janitor or an electrician, situated as he is in a workplace where a single simple error of judgment can spell out danger to life or limb. In a fast-paced society where people are required to outperform others so that employment can be secured and held onto, the risk of maiming, permanent injury and death are ubiquitous. Their presence is real.
The ordinary worker, thus, is one person most in need of an insurance policy. The exigencies of his work and the nature of his social status may indicate the life insurance no exam option as fit for him but he has to be presented with the full range of options available to him. If he is young, fit and has no health-endangering habit such as smoking, then there is a very good chance of him securing low cost life insurance policy. A non-smoker has a better chance of getting lower premium payments than a smoker. It is fortunate therefore that many if not most blue-collar workers do take good care of themselves because of the nature of their jobs. They have no vices except for the occasional night out with friends and limit themselves to a few rounds of drinks. After all, they have to think of getting back to work the following day – the dollar earnings cannot be taken lightly and each expense has to be carefully planned especially as the kids are getting bigger and are now ready for school.
Insurance agents, thus, are vested with a greater responsibility when faced with the challenge of getting an ordinary worker to take out an insurance policy. In these cases, the responsible agent – and there really lots of them around – no longer thinks of that hefty commission. He sincerely thinks of the welfare of this fellow human being and the security of the future of his family. The insurance agent who is patient enough to hang around the blue-collar worker instead of pursuing the well-heeled client is usually one who understands the plight of the lowly construction worker or menial worker. Maybe he had been one himself before. Or he had had some experiences with them and their families and he had developed a genuine concern for their welfare and their lives.
Nonetheless and whatever the reason these individual agents have for taking time and patience with these ordinary men and women, insurance companies can formulate and design really low cost life insurance policies fit for them. For all we know, this sector is fairly huge and many of its members really do want to secure insurance for themselves and their families but are pushed away by overbearing agents who take up too much of their working hours and by the relatively high costs of taking out the policy. Targeting them as a special sector clientele with favored options and privileges may yet end out as a lucrative venture for insurance companies. And immersing their agents in workplaces and living spaces like those of the blue-collar worker may yet work wonders in making our society a much better world to live in.
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