Go beyond the death benefit. Protect the full value of what your clients are building.
When you’re doing a complete financial 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 can grow 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 protect 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.
Schedule a call and we’ll map it all out together.
Want to Get Better at DI?
Build confidence. Ask smarter questions. Position policies the right way.
When you’re doing a complete financial review, you naturally cover your client’s property & casualty insurance, health coverage, and often their wills and trusts. But then you reach the disability and life insurance drawer — and that’s where you have the chance to 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 can grow 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.
Your job is to make sure that if something happens they can’t control, like a sickness or injury that keeps them from working, it doesn’t derail everything they’ve worked for. That’s where smart DI planning comes in: coordinating with their group LTD, filling the gaps, and designing a strategy that protects their income all the way to the retirement age they choose — without overspending.
Ready to see how to position DI as a supplement to GLTD, learn the best client questions to uncover needs, and build a DI profit center around your practice?
Schedule a call and we’ll map it all out together.
Tracking Number 8173771.1
Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. HUNKEN-EWING FINANCIAL GROUP LLC is not an affiliate or subsidiary of Guardian. Insurance products offered through WestPac Wealth Partners and Insurance Services, LLC, a DBA of WestPac Wealth Partners, LLC. CA Insurance License # 4205864.
The primary feature of whole life insurance is the death benefit. All whole life insurance policy guarantees are subject to the timely payment of all required premiums and the claims paying ability of the issuing insurance company. Policy loans and withdrawals affect the guarantees by reducing the policy’s death benefit and cash values.
Neither Guardian nor its subsidiaries issue Health or Property & Casualty insurance.
We look forward to learning more about your business and working with you.
