Industrial life insurance sold through the home service marketing system has been criticized for years. Small face value life insurance policies, though less popular than in the past, are currently sold to low- income consumers by agents collecting premiums in their homes. Because of the high cost associated with the home service industry, low-income consumers are paying a high cost for inadequate life insurance protection. This article provides an overview of life insurance products sold by the home service industry, examines the pros and cons of this industry, and suggests implications for financial counselors. Key Words: Industrial life insurance, Home service, Low-income, Insurance

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