#RelationshipThings

[girltalkcollectives]

Why Most Relationships End at Stage 3 (And What Comes After)

Nobody tells you there are five stages of love. Or maybe they do, but we're too caught up in stage one to listen.

Stage 1: Falling in Love

God, isn't this part beautiful? Everything is perfect and new and exciting. The butterflies, the constant texting, the way they can do no wrong. Their jokes are always funny. Their little quirks are adorable. The way they breathe is somehow fascinating.

You stay up until 4AM talking about nothing and everything. Every song on the radio suddenly makes sense. You plan your entire day around the chance of seeing them. Even sitting in silence feels magical.

I remember thinking "this is it." Like I had somehow cracked the code to perfect love. Spoiler alert: I hadn't.

Stage 2: Getting Serious

This is when reality starts to blend with the magic. You're still in love, but now you're also building something. Meeting families. Planning futures. Moving in together. Making joint Netflix accounts (because that's basically marriage in 2024).

You start saying "we" instead of "I." You have inside jokes. You know their coffee order by heart. You can read their moods. You're a team. Or at least, you think you are.

The butterflies might fade a bit, but they're replaced by something deeper. Something real. You're not just in love anymore - you're choosing each other, every day.

Stage 3: What Happened?

And then... something shifts.

Suddenly their quirks aren't cute anymore. The way they chew is annoying. Their jokes aren't funny. The silence isn't comfortable - it's heavy. You start wondering if this is all there is.

This is where most relationships end. Right here. In this messy, uncomfortable space where the fairytale crashes into reality.

Their pedestal starts crumbling. You realize they're human. They make mistakes. They have flaws. They disappoint you. And worst of all? You disappoint them too.

Most people panic here. They think the relationship is broken. They think love is dead. They run.

I did. Multiple times.

But here's the thing about Stage 3 - it's not the end. It's the middle. It's the growing pains. It's the part where real love has a chance to begin.

Stage 4: Climbing Down from the Pedestal

If you're brave enough to stay, if you're willing to do the work, you reach Stage 4. This is where you both climb down from your pedestals and meet in the middle.

You see each other clearly for the first time. Not as perfect beings. Not as disappointments. Just as humans, trying their best.

You learn that love isn't about butterflies or grand gestures. It's about choosing each other, especially when it's hard. It's about seeing someone's flaws and loving them anyway.

Stage 5: Working Together as a Team

This is where real love lives. This is what all those romantic comedies don't show you.

It's not perfect. It's not always exciting. But it's real.

It's working through problems instead of running from them. It's knowing when to fight and when to let go. It's building something together, brick by brick, day by day.

It's understanding that love isn't something that happens to you - it's something you build together.

But here's why most people never make it past Stage 3:

1. We think the end of the honeymoon phase means the end of love

2. We're addicted to the high of Stage 1

3. We don't know how to love real, flawed humans

4. We're scared of doing the work

5. Nobody told us what comes after the fairytale

The truth is, Stages 4 and 5 aren't as glamorous as the first three. They don't make good movies. They don't inspire pop songs.

But they're where real love lives. In the mundane moments. In the hard conversations. In the choice to stay even when it's not perfect.

To anyone stuck in Stage 3: it's okay. It's normal. It's not the end unless you choose it to be.

The most beautiful love stories aren't about perfect people having a perfect romance.

They're about real people choosing each other. Again and again. Through the hard parts. Through the boring parts. Through all of it.

[9vibes]

My Suggestion is not to Get Married | Stress Busters | Funny Q & A

[mentallyinvernation]

Dreamling Bingo WIP - Beta/Omega Relationship

The lovely mods at @dreamlingbingo​ have let us submit previews for our squares, so I will be posting as many as I can before the day is up lol

This is from an unnamed omegaverse fae fic - A1: Beta/Omega Relationship

CW: implied later mpeg, ref to canonical child-death, ref to canonical death in childbirth

･ ｡ﾟ☆: *.☽ .* :☆ﾟ. 

“I can grant you riches. Save you from the depths of famish. Restore you to your former glory.” The Fae purrs, curling pale arms around Hob’s shoulders, possessive, nails biting into his skin, toying with the frayed edge of the rags he’s been wearing for months. “But it will come at a price.”

“I don’t…” Hob winces, arms tightening around his middle as he attempts to starve off another sharp pang of hunger. “I’m sorry, but I don’t have anything to give.”

The Fae hums, petal-soft lips brushing over the shell of Hob’s ear. “Oh, you sweet thing, there is always more left to give, and you have Endless.”

Hob grimaces. His life is endless until the day he decides otherwise. He’s not sure how he feels that this creature discovered that with such ease. He can’t find the will to care much right now.

“What service would you ask of me, then?”

“Service?” The fae repeats, their arm slipping off him like liquid silk as they trail around to face him. “Is that what you would offer me? An act?”

“Is that what you want?”

“I suppose I could ask you to silence church bells. Swear fealty to the Archfey. Learn the name of a devil. Lay with me.” The fey winks as Hob’s shoulders tense. “But that would be such a waste when I can smell the life on you. All those memories. Would you surrender one of those to me? Your first kiss. First mate. First love,” The fey pauses, tilts their head and smirks some dangerous thing. “A flame that’s yet to burn out, I see. And such an ill-advised candle to worship at that.”

“Fuck off. What use could you possibly have with my memories?”

“That is my business. I owe you no explanation. But where there is love there is also loss. Let’s see here…firstborn fell casualty to a tavern brawl. The second lost in birth along with the mother. Poor Robert Gadlen. All that life and yet here you are drowning in tragedy. I suppose you must be numb to it all by now?”

“Just get on with it and name your price. If it’s a memory you want well - well my answer is no.”

The fey smiles some beautiful, fanged thing. “Not a memory. No, I would claim to something far more precious than that. Your third born. That is my demand.”

And Hob, who has no intention of ever siring children again, snorts. “Deal.”

.

Of course, when Hob gets Dream pregnant three hundred years later, that becomes a bit of a problem. In his defence, he didn’t realise Dream could get pregnant.

[qudachuk]

This McCarthy era-set romance between two men uses explicit sex to push boundaries – and add depth to their relationshipThe shiny new drama Fellow Travelers glides through all the major markers of prestige television. Glossy production values, multiple timelines,...

[purplemys]

What infuriates me more is that this could have been good writing. Have all this trashfire InuKik relationshipthings and that be called out in-story. Have Inuyasha (an maybe even Kikyo in seperate version) realize how bad their relationship was, as it was built upon loneliness and desperation and actually work to let go. But no, they just had to have it both ways. Have them be this mess and still be treated like they were good and happy before Naraku came along. Inuyasha said in one chapter that he and Kikyo didn't trust each other and enough and that's how far that introspection went. It's so shallow to me.

Jesus take the entire car at this point.

When watching the show as a young girl, I hated seeing InuYasha easily give into his guilt because Kikyo was dead and he wasn’t. That episode where he thinks he needs to say goodbye to Kagome even though he clearly does not want to near killed me.

The worst part of that episode, or any episode regarding InuKik and their supposed bond, was having to watch as he willingly but hesitantly makes himself miserable even as he attempts to make things right by attempting to protect Kikyo.

The fact that Kikyo doesn’t give him any sort of comfort when she probably could is the most fucked up thing about it because I mean how hard is it to tell your once “lover” that you understand what happened? that you’re letting him off the hook?

Reason # 1 why Kikyo was never in love or simply loved InuYasha:

IF she ever loved him she would have let him go because when you love someone you want their happiness, not drag them into an unhealthy loop.

She’s dead for fucks sakes like how is it okay for her to expect him to give up his life for her? his chance to be happy? It’s selfish, manipulative and just gross.

I cannot stress enough just how unfair and uncalled for that was. It will always be something about this series that upsets me.

Here you have this young boy whose suffered basically all of his life and he finally finds a speck of happiness, finally makes friends who wholeheartedly accept him for who he is and what he is, and he can’t even enjoy that? Kikyo even asked Kaede about it.

She can see the change in InuYasha so you can’t say she doesn’t yet she tries her best to make it hard for him because again she is selfish and just doesn’t give a fuck but I digress.

This pleases me so much because while the guilt is still there, the difference is (at least for now) that he isn’t letting his guilt get the best of him. He wants to be with Kagome.

MangaInuYasha seems way more open about his Kagome feels than AnimeInuYasha ever was and I love it.

[thelovemanual]

How to Improve Communication in a RelationshipWhether you’ve been married for years, in a committed relationship, or just starting out, understanding how to improve communication in a relationship is essential. Communication is the key to any successful relationship—it helps you get to know each other, share your feelings, and build trust. But communication can also be difficult, especially when you’re navigating the complexities of a relationship. In this article, we’ll explore tips and strategies to help you improve communication in your relationship.Tips for Maintaining a Healthy RelationshipThe first step to improving communication in a relationship is to maintain a healthy relationship. That means being honest and open with your partner, and being willing to talk about any issues or concerns that come up. It also means finding ways to have fun, spending quality time together, and being supportive of each other's goals and dreams. Here are a few tips for maintaining a healthy relationship: Make time for each other. Set aside time every day to talk, listen, and just be together. It doesn’t have to be a long conversation—even a few minutes can make a difference. Respect each other’s boundaries. Respect your partner’s boundaries, both physical and emotional, and be willing to compromise when necessary. Be honest and open. Be honest and open with each other, and don’t be afraid to talk about any issues or concerns that arise in the relationship. Show appreciation. Show your partner that you appreciate them by telling them how you feel and expressing gratitude for their presence in your life.How to Deal with Infidelity in a RelationshipInfidelity can be one of the most difficult issues to deal with in a relationship. It can cause a lot of pain and hurt, and it can be hard to know what to do. If you or your partner has been unfaithful, it’s important to talk about it and find a way to move forward. Here are a few tips for dealing with infidelity in a relationship: Take time to process your feelings. It’s important to take time to process your feelings, so you can understand and express your emotions in a healthy way. Talk about it openly and honestly. Talk openly and honestly with your partner about what happened and how you both feel about it. Listen to each other and be willing to compromise. Seek help. If you need help, don’t be afraid to seek it. A professional therapist can help you both work through the issue and find a way to move forward. Stay focused on the future. Don’t dwell on the past, focus on the future and how you can move forward together.How to Keep the Romance Alive in a RelationshipWhen you’ve been in a relationship for a while, it can be easy to let the romance slip away. That’s why it’s important to make an effort to keep the romance alive. Here are a few tips for keeping the romance alive in a relationship: Plan date nights. Make time for regular date nights and take turns planning them. It’s a great way to reconnect and have fun together. Try something new. Trying something new together can help you both feel connected and excited about each other. It can be anything from going to a new restaurant to taking a dance class. Have fun together. Don’t take your relationship too seriously—have fun together and be willing to laugh at yourselves. It’s a great way to keep the spark alive. Show your love. Show your partner you love them by doing small, thoughtful things to make them feel special. Don’t forget to tell them how you feel too.ConclusionImproving communication in a relationship is essential for any successful relationship. It’s important to maintain a healthy relationship by being honest, open, and supportive of each other. It’s also important to be willing to talk about any issues or concerns that come up. If you’ve been unfaithful, it’s important to talk openly and honestly about it. Finally, don’t forget to keep the romance alive by planning date nights, trying something new, and showing your love for each other.

[girltalkcollectives]

Sometimes Love Needs a Reset Button

It's funny how we always think the answer is finding someone new. Like somehow, a different person will solve all the problems that made us fall out of love with the last one.

But here's what nobody tells you: sometimes the bravest thing isn't walking away. Sometimes it's staying and saying "let's start over."

Not with someone new. Not with a blank slate. But with the person right in front of you. The one whose coffee order you know by heart. The one whose snoring you've learned to sleep through. The one who's seen you at your worst and stayed anyway.

The thing about long-term love is that it gets buried sometimes. Under bills and work stress and dirty dishes and mundane arguments about whose turn it is to do laundry. The spark doesn't die - it just gets covered up by everyday life.

We forget to look at them. Really look at them. Remember when you couldn't take your eyes off them? When every little thing they did was fascinating? When did we stop noticing?

We get so caught up in what's missing that we forget to see what's still there:

The way they still reach for your hand in their sleep

The coffee they make you every morning without asking

The fact that they remember your mom's birthday

How they know exactly what to order you from every takeout place

The way they can still make you laugh even when you're mad

Maybe love isn't about finding someone new. Maybe it's about choosing to see the person you're with through new eyes. About remembering why you chose them in the first place.

Sometimes you have to press reset. Start dating again. Not other people - each other. Find new things to talk about. Create new inside jokes. Make new memories. Rediscover the parts of them you forgot to notice.

It's not about going backward. It's not about trying to recreate what you had in the beginning. It's about building something new with the foundation you already have. With the person who already knows your story.

Because here's the truth: that initial spark? The butterflies? The can't-eat-can't-sleep feeling? It's beautiful. But it's not sustainable. Real love is what comes after. It's choosing someone over and over again, especially when it's hard.

But sometimes you need to remind yourself why you made that choice in the first place.

Look at them when they're not paying attention.

Ask them questions like you're just getting to know them.

Listen to their stories like you haven't heard them before.

Touch them like it's the first time.

Kiss them like it might be the last time.

Love isn't always about finding something new. Sometimes it's about finding new ways to love what you already have. Sometimes it's about remembering why you fell in love. Sometimes it's about pressing reset and starting over. Right where you are. With exactly who you're with.

Because maybe the greatest love stories aren't about finding the right person. Maybe they're about being the right person. Over and over again. For the one you already chose.

So before you decide the spark is gone, before you convince yourself you need someone new, before you give up on what you have, try starting over. Right here. Right now. With them.

Because sometimes the love of your life isn't someone new waiting to be found. Sometimes they're right there, waiting to be loved like you're just beginning.

[prophecytoad]

Development Update - Lumayn

If you’re here reading this, thank you for taking your time for this little blog of mine. This week on the agenda I’m going to be talking about how the development of my current project has been going, what I’m working on now, and where development will go next.

Before we begin, I’d like to announce that the project now has a name: Lumayn! This word was originally something that I thought I had come up with when I used it for the name of a continent in a DnD campaign that I have been running. I thought to myself, “Why not use it for the game name?”. So, I went about googling to see whether the name was in use and it wasn’t! But, what I also learnt was that it is already a word in use in the Somali language and translates to “lost”. Serendipity smiled on me when I chose this word; it’s the perfect word for my DnD campaign AND for this game!

Now, lets get into the breakdown.

The Problem Space

Like all things, Lumayn began as a concept. I thought to myself about some of my favourite games that I played growing up: Pokemon, Digimon, Monster Hunter, and what drew me to those game types, and what inevitably pushed me away from them. The draw of those games was simple: The games featured really cool monsters and you get to interact with them; I loved finding monsters whose designs I found fascinating. No game is perfect though. For Pokemon specifically, it was things such as: being able to draw a parallel between the core mechanic and animal captivity, too many designs which results in some awful and lazy designs, and a lack of focus on the interacts with the monsters specifically that led find it difficult to play the games past early iterations.To fix the issues I have with the monster genre, I wanted to come up with an idea that focused more on the monsters themselves, their personalities, your relationship with them, and interacting with them. 

Lumayn Concept

Lumayn is a 3D monster adventure game where the player’s interactions with their partner matters. You partner has their own personality, and how you treat them will affect how they treat you back. The player will work with their partner to learn abilities, evolve, fight powerful enemies, and restore their town.

Your relationship

The way you treat your partner will change how they react to your assistance. In combat, you will be able to suggest actions and provide help, however, if your partner does not respect you because of how you have treated them, they may ignore you entirely and refuse assistance.

Whiteboxing

I began development of the prototype by focusing on developing a sufficiently sophisticated AI for demonstration purposes. Using basic capsules in Unity, I used the Unity Navmesh system to develop a follow system

I then whiteboxed a basic start area, and what would be a combat arena. When the player collides with an enemy, they and their partner would be transported to participate in an intense fight with one or more enemies

Working on the AI

The AI that runs the monsters in Lumayn will be an extremely important part of the experience. Each monster will have a unique personality based on many different factors that change how they behave.

Monsters will have different likes and dislikes. For example, some monsters will like hot areas filled with lava and stone, while other will like forests filled with trees. In each of these areas, monsters will respond to stimuli like flowers, berries, and pretty stones depending on what they like.

Another facet of their personality will be how they choose to fight while in combat. For example, some monsters will be aggressive, taking the first move wherever they can, while some monsters will be passive and wait to react.

A basic version of the combat AI has been implemented, as well as the personality generator.

Making things prettier

Your partner can now walk around with you and fight on their own in combat, so it was time to make the prototype look a little prettier in order to better demonstrate the style of the game.

I took some time to experiment with various free assets to update the game visually. While I am happy for the time being with the way it looks, there will be a lot of work later to improve the visuals.

Modelling

Currently I am working on modelling and animating one of the monster ideas. Animations will make an immeasurable difference in the believability of the monsters and their personalities.

This is the current iteration of a creature species known as “Rex”. They are an adolescent level monster with an affinity for starting fires.

Next up

Future development will involve giving the demo more personality. Better artwork, models, level design, and interactions. There’s a lot of work to do to give the players a visual interesting game where they can fall in love with their monster partner!

Here’s a peak at a design for the starting area!

Last Up

As always, here’s a cool frog. An internet classic, the Black Rain Frog!

Image retrieved from https://www.boredpanda.com/unusual-frogs-toads/?utm_source=google&utm_medium=organic&utm_campaign=organic

See you next time!

[kisaanhelpline]

What resources are available for information on agricultural fairs?

Agricultural fairs are neighbourhood gatherings that honour the long history of farming and the rural way of life. These fairs give farmers, ranchers, and rural communities a chance to showcase their accomplishments and educate the general public. They typically take place once a year and offer a wide variety of activities and events that showcase the best aspects of rural culture and life.

You can anticipate seeing displays of farm products like fruits, vegetables, grains, and livestock at an agricultural fair. These events frequently include competitions like crop exhibits and livestock judging. Farmers can participate in these competitions to display the quality of their livestock and crops and to be honored for their commitment to the land.

Why do agricultural fairs matter so much?

The best part of agricultural fairs is seeing the work that our neighbors produce, whether it be crafts or poultry. It gives us a chance to admire one another's exhibits and recognise the talents of our neighbors. Unfortunately, there has been a decline in exhibitors across the board over the years. For some reason, community members are no longer featured in exhibits. Coming to the fair to see these fantastic exhibits is what members of our neighborhood do. If we don't have excellent exhibits, the fair will eventually become obsolete. Our incredible neighbors must emerge from hiding to demonstrate their knowledge of agriculture.

Farmers in India benefit greatly from agricultural fairs because they offer them many advantages and opportunities. The following are some of the most significant effects that agricultural fairs have on Indian farmers:

1) Networking and Information Exchange: Farmers can connect with one another and exchange experiences, information, and ideas at agricultural fairs. Farmers can pick up tips from other farmers, talk about the newest farming methods and technologies, and gain knowledge of new markets and business opportunities.

2) Access to New Products and Technologies: Farmers looking to enhance their operations and boost yields can benefit from the demonstrations and exhibitions of new products and technologies that are frequently featured at agricultural fairs. Farmers have the chance to learn about the most recent developments in agriculture and to see the products and technologies in action at these exhibitions.

3) Market Possibilities: Agricultural fairs give suppliers, buyers, and traders easy access. Farmers can promote their goods, establish connections with potential customers, and create new market opportunities.

4) Recognition and Prestige: Farmers can exhibit the calibre of their livestock and crops through competitions at agricultural fairs, which frequently include livestock judging and crop exhibits. Winning these contests can boost the farmer's reputation and boost the value of their farm, bringing in more customers.

5) Education and Training: Farmers can attend workshops, seminars, and training sessions at agricultural fairs on a variety of subjects, from the newest farming methods to business administration and marketing. These educational opportunities can aid farmers in developing their abilities and knowledge as well as keeping abreast of the most recent advancements in the agricultural industry.

Employment and Economic Growth: A Relationship

The amount of employment in a nation is significantly influenced by its level of development. Therefore, employment opportunities increase as a nation develops and its production rises. Production has increased in all economic sectors in India over the last 30 years or so. However, unemployment has gone up in absolute terms over the course of the planning period. This occurred as a result of the trend rate of growth being significantly lower than the targeted rate during the first three decades of economic planning. As a result, not enough jobs were generated. Additionally, economic expansion cannot end unemployment on its own.

 Fairs and festivals' value to rural development and agriculture

Animators of static attractions, catalysts for other developments, and attractions themselves, festivals, and special events are known to play significant roles in destination development. Festivals and special events also extend the destination's tourist season, offer cultural and educational opportunities, foster a sense of community pride, aid in the conservation of sensitive natural, social, and cultural environments, and support sustainable development in addition to the economic benefits that they bring. One of the tourism sectors with the fastest growth is event and festival tourism.

It is gaining popularity as a means of reviving local economies in rural areas. In regions that were previously dependent on traditional industries like farming or narrowly focused tourism industries, the need for industry diversification has been prompted by developing technologies and changing weather patterns (i.e., an increase in droughts and floods/storms). Many of these places have used events and festivals to draw tourists who would otherwise avoid regions with a seasonal tourist appeal.

The International Festival and Event Association (IFEA) conducted a survey, which estimated that the special events industry includes between 4 and 5 million regularly occurring events and has a sizable economic impact on the world.

Regarding the Kisaan Helpline

A dedicated platform (for the agricultural supply chain) called Kisaan Helpline offers farmers one-stop information. Other agricultural information available to farmers includes soil testing, training, crop protection, crop nutrition, seeds, agricultural news, articles, advice from agricultural experts, and solutions. On the Agro Expert Forum of the Helpline, farmers can offer suggestions, solutions, articles, their opinions, and agricultural information pertaining to crop protection. The goal of the Kisan Helpline is to encourage agricultural consultants and experts to share their knowledge with others while also keeping their opinions to themselves. This will aid in guiding farmers by promoting their concepts, articles, and agricultural knowledge.

What part does the Kisaan Helpline play in agricultural events?

Although Kisaan Helpline is not directly involved in planning or running agricultural events, it can support farmers who are taking part in them.

For instance, farmers can access information on the most recent agricultural technologies and practices through the Kisan Helpline, which can be helpful for getting ready for and taking part in agricultural events. Additionally, they can use the helpline to speak with experts and receive guidance on a variety of agricultural topics, including crop choice, soil management, and livestock care.

Additionally, the Kisan Helpline can inform farmers about government agricultural programmes and policies, which can help them navigate the various rules and requirements related to agricultural events.

Conclusion

Farmers in India can get information, support, and direction from the Kisan Helpline on a variety of topics related to agriculture. The Kisan Helpline can be a helpful resource for farmers who are looking for information on the most recent agricultural technologies and practices or who need guidance on government programmes and policies pertaining to agriculture. The Kisan Helpline gives farmers a direct line of communication with the government, enabling them to succeed and thrive in their careers. This programme demonstrates the Indian government's dedication to advancing agriculture and ensuring the welfare of its farmers.

By giving out prizes for their produce at the conclusion of the event, farmers are encouraged. It serves as a common forum for farmers, scientists, and organisational entities to share knowledge and experiences regarding contemporary agricultural technologies. Farmers' fairs offer an affordable way to spread knowledge through demonstrations, farmer feedback, and the most convincing interactions between farmers and scientists. Additionally, it provides a venue for the sale of agricultural goods and inputs, as well as for the display of cutting-edge agricultural and related technology.

[mortgagelead-blog]

6 Things to Try While Selling Final Expense Insurance

Final expense is something that everyone needs. Nevertheless, it can be tricky to sell these products since it involves some hard-to-face facts.

The best part about final expense insurance is that it has low premiums and low face amounts, with simplified underwriting. Also, there is an extensive target market to be covered. However, the final expense is still all about death, which makes it difficult to have a conversation about.

So, where do you get final expense live transfer leads from and how do you close them?

Here is what you need to do:

Target External Leads

The ideal target group for final expense is low-to-middle-class seniors aged 50 and above. However, there is no rule that you need to restrict yourself only to this group. You can find many sales opportunities outside this target market too.

Death is something that can come any time. And more often than not, the loved ones of the deceased may not be prepared to handle such situations. Grief is one thing; but costs of funeral and burial services might seem challenging to bear, especially if they don’t have the cash readily available. Your presentation to your clients should be all about eliminating this funeral planning challenge.

Have a spreadsheet ready with the costs of funeral services. List out the plans that might seem affordable to your clients. You can also sell other plans like life insurance plans and term insurance plans if it works out better for them.

Work on Building the Rapport

If you have been selling other insurance products, you may already have established a good rapport with your clients. Make sure you ask them for referrals after every successful sale. This makes it easier to start conversations with new prospects.

Talking about death with a total stranger might not be that easy. So, start by sharing a personal story that they can relate to. It could be about the death of a friend or family member and how difficult it was for their family members to deal with it. Talk about the difficulties they faced while making financial and emotional decisions, within a short span of time. Were they able to fulfill the final wishes of their loved ones?

Have a worksheet ready with all aspects of funeral planning. Walk your client through the details in an easy-to-understand manner. Be the person they can trust when it comes to any aspect of funeral planning.

Focus on Establishing Relationship

The conversations you have with your customers need not be one-time. You should focus on retaining them as your clients for a long time to come. Create a client profile worksheet and fill in the details of your customers to understand their insurance needs.

Make sure you collect all information about their health conditions as well as the medications they might be taking. Assess their financial situation and find out how much premium they may be able to afford. You have no idea how many sales opportunities you might uncover through these facts.

Understand the Underwriting of Final Expense

Most final expense plans come with simplified underwriting. This means there won’t be any physical or medical exams required. The policies can be issued quickly, maybe even instantly, through an e-application process or telephone underwriting.

Since the underwriting procedure is so simplified, it should be easy to find out if your client qualifies for the plan. All that you need to do is review your client’s replies to the medical questions that you will find on the application. Your client may not qualify for a final expense plan in case of any of the following uninsurable conditions:

A stroke or heart attack within the last twelve months

Cancer diagnosis or a relapse within the previous two years

HIV or AIDS

ALS or Lou Gehrig’s Disease

Oxygen usage

Congestive Heart Failure

Resident of a nursing home

Inability to perform ADLs (activities of daily living) without help

In any such condition, you should have an alternative option readily available. A few carriers even offer chronic illness riders on their policies to help clients with significant medical issues. You should have complete knowledge about these riders and their benefits.

Underwriting might vary from one carrier to the other. Good knowledge about the underwriting niches of various carriers might help in determining the best carrier based on the medical condition of your client. However, a standard final expense plan should be good enough for healthier clients taking only the basic maintenance medications.

Work on Improving Your Final Expense Sales Pitch

Now that you have all the information you need about your client and determined the right carrier, it is time to offer the various payment options that fit your client’s budget. Make sure you offer at least three final expense options with different monthly payment plans and coverage.

For instance, you may offer final expense plans with different death benefit amounts such as $7,000, $10,000, and $12,000. This will make it easy for the clients to decide on the amount they would be paying as premium. It will also help them understand how a small difference in premium can help them get so much more coverage.

Customize Your Final Expense Presentation

Your final expense presentation need not be only about selling your final expense plan. You should be focusing more on helping your clients create a funeral plan.

You may include details about various local funeral homes, floral services, travel arrangement options, and so on. In fact, you can offer these details free of cost, to all your prospects, even before selling your product. There are also many marketing tools that you can use in your final expense presentation.

The Bottom Line

Selling final expense insurance may not be as easy as selling life insurance or term insurance. However, you can get many new leads if you think outside the box. Make sure you have the best interests of your clients in your mind. Get all the facts you can and look for the gaps in coverage. You might find many sales opportunities that can help you establish long-standing relationships that can be mutually beneficial.

[engraveitnow]

Three Factors That Can Help You Find The Right Gift!

When selecting a gift for someone special in your life, it's essential to provide a personalized touch. No matter the occasion, a personalized gift can help you, and your gift stands apart from the crowd. Let us look at a few tips on how you should proceed when purchasing a personalized gift.

Occasion

Before selecting the gift, it's essential to keep the occasion in mind. It can be a professional or personal celebration. Make sure you know the event and find something suitable. For instance, you can always get a personalized gift with the receiver's name if it's a birthday. However, if you want a gift to give to your boss, consider something more professional, like personalized pens.

Gender

Selecting a customized gift can be tricky, but the task becomes much easier if you know to whom it has to be presented. For instance, if it's a boy, you can gift them a personalized leather wallet, and if it's a girl, you can always go for custom jewellery. The choices are endless, and you will surely be amazed by their reaction.

Relationship

The kind of relationship you have with the person dramatically influences your gift choice. The type of gift you select can vary if you need to present it to your mother, father, friend, or your lover. The gifts can be customized vases, key chains, or calendars, to name a few. However, the choice of gifts you have for your office peers would be completely different, like customized pens, mugs, and even photo frames.

Remember, a customized gift is ideal for showing how much you love and care for the receiver. It will also show you put a lot of time, money, and effort into finding the right gift for them. If you keep these things in mind, you can easily find a unique personalized gift that the receiver will cherish for years.

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[mrgregserrano]

Insight into a woman's mind. Have you ever tried to reason with a woman? Have you ever tried to push spaghetti up a wall. Equally challenging. I've worked in financial services in the areas of investing, insurance, lending, auto insurance, variable annuities and long term care. I've also studied sales, personal development, and building wealth since the age of 18. I've held multiple state and federal licenses since I was a teenager. My goal is to help people become debt free and financially independent. Follow me for more weekly financial and self-improvement advice. #inspiration #wisdom #womenarefunny #awomansmind #relationshiptips #relationshipthings #relationshipgoalsdailyy #hypergamy #redpill #blackpill #masculinity #masculinityisnottoxic (at Mission Hills) https://www.instagram.com/p/CUL47BNlGQt/?utm_medium=tumblr