Go beyond the death benefit. Protect the full value of what your clients are building.
When you’re doing a complete financial planning review, you naturally cover your client’s property & casualty insurance, health coverage, and often their wills and trusts. But then you get to the life insurance drawer — and this is where you can bring tremendous value.
Most clients think of their income by paycheck or by year. Few ever see the total amount of money that will flow through their balance sheet between now and retirement. When you show them how their income grows over time — even with a modest 3% inflation adjustment — it’s eye-opening. That’s the money that funds their lifestyle, their kids’ education, future investments, and ultimately their retirement.
This is called their Human Life Value. It’s the economic value of everything they’re expected to earn over their working lifetime. It’s what allows them to build wealth, meet goals, and secure their family’s future.
Your job is to make sure that if something happens they can’t control, like a premature death, it doesn’t derail everything they’ve worked for. That means helping them see life insurance not just as a death benefit, but as the safeguard that ensures the family can pay off the mortgage, fund college, keep the business running, or preserve an inheritance. It’s also a powerful way to create liquidity for estate taxes, fund buy-sell agreements, or equalize an inheritance.
When you position life insurance around protecting their Human Life Value, it becomes about preserving the dreams and plans they’ve spent years building — not just checking a box. And that’s often where you see higher face amounts, because it’s tied directly to what their life and work are truly worth.
Ready to learn how to position life insurance as more than just a death benefit — as a retirement supplement, a non-market correlated asset, or a key tool in estate planning and executive benefits?
Schedule a call and we’ll map it all out together.
