Toronto Life Insurance Broker: Tamara Humphries
According to the Toronto Star, Toronto's population has grown by 38,000 over the past 12 months, and Toronto ha overtaken Chicago as the fourth largest city in North America.
More residents means more people with insurance needs, and there's no one better to serve those in need of life insurance than LSM Insurance's Tamara Humphries. Humphries is also our Non-Medical Insurance Specialist. Many brokers shy away from hard to insure clients because they do not want to put in the time necessary to find them the right solution.
Insurance companies are constantly changing their underwriting criteria and many companies have come out with new plans, such as Equitable Life Simplified Issue Whole Life plan for applicants 40-80. Other carriers such as Assumption Life and Industrial Alliance are constantly refining their product portfolio. Canada Protection Plan recently made the height and weight tables much more liberal on there Simplified Issue Term plans. An example of this a male / female who is 5"6 can qualify for immediate issue coverage with a weight of up to 234 pounds. Someone 6"0 can qualify at a weight up to 279 pounds.
Tamara also points out the wording of a cancer or heart related question can vary from company to company. The nuance of these differences can mean the difference between your family being protected or out in the cold.
Tamara finished her MBA at Toronto's York University, completing a double major in finance and marketing keeps on top of these changes and make sure finds the best solutions for her clients. In 1998, Tamara also completed the Certified Financial Planner designation and spent 12 years training and mentoring new advisors in the industry. She uses this experience and vast knowledge, to make sure she finds the policy that's right for you — especially if you may be difficult to insure. Tamara offers a full range of Simplified Issue and Guaranteed Issue policies.
Plus, Humphries has a stellar reputation when it comes to going the extra mile for her clients. When Carolyn Davis-Jardine's fiancé, Dan, died in a tragic accident, it was Humphries who stood in the gap on Davis-Jardine's behalf.
"Even before the trying times, Tamara was the biggest sweetheart I've ever met. She made a special financial planning book for me and Dan and told us what to put in it. She constantly would email us to say, 'How are you doing?' 'Merry Christmas,' and 'Happy Birthday,'" says Davis-Jardine.
"When this happened, she literally was there. She was so helpful to me. My brain wasn't really working at that time, but I do remember she came over and I do remember she was there to comfort me. I remember that, and I couldn't believe it."
Humphries still keeps in contact to this day, even though Davis-Jardine has moved, just to make sure things are okay in her life and to see if she needs anything.
This type of attention to details is really what separates Tamara from other brokers. Tamara learned early in her career that delivering service above and beyond what people are expecting is really the key to growing in this business. By exceeding client expectations you not only feel good about yourself but you make yourself more referable. The world is filled with information people can find pages and pages of information on Term Insurance, Whole Life or Universal Life Insurance but it's the brokers ability to condense and explain this information to their clients that helps separates them from their competitors. One of the many things Tamara does well is relate to people - she studies what advisors within the industry and outside the industry do well and not so well and helps bring that wealth of experience to the table when delivering insurance solutions.
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Post sale service is also crucial. If a client wants to change their beneficiary of their banking they don't want to be shuffled off to a call centre where the have to wait on hold for 15 minutes and than are shuffled off to another department. People have less time and Tamara believes in finding ways to simplify her clients lives not make things more cumbersome. She views a client needing service as an opportunity to deliver on her promises and show what seperates her from other brokers.
To find out how the LSM Team can help call us at 1-866-899-4849, ask for our standout broker, Tamara Humphries.