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.

The majority of clients think about their income from week to week or annually based on their paycheck. Very few have ever thought about the aggregate amount of dollars they will generate throughout their career before retiring. You will surprise your clients when they realize the magnitude of their Human Life Value based on income projections adjusted for inflation at a mere 3%. That represents all dollars necessary for funding lifestyles, children’s education expenses, investment opportunities, and eventually their own retirement.

Your role here is to ensure that should any uncontrollable circumstance happen such as early death of a loved one or an employee, they do not undo all the progress achieved. In order to help clients understand that, you need to help them realize the protection role life insurance provides. Life insurance can provide the funds to pay off mortgages, pay college tuition fees, sustain a family-owned business, or ensure the inheritance is preserved properly. The use of life insurance is essential for providing liquidity for estate tax liabilities, funding buy-sell agreements, and equalizing inheritances among beneficiaries. By positioning life insurance within a context of Human Life Value preservation framework, you will be able to achieve significantly higher face values as it directly correlates to what a person brings daily.

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.

Are You Ready to Take Disability Insurance to the Next Level?
Gain Confidence. Question Clients Smartly. Structure Properly.

During the process of conducting the entire financial review, you will address your clients’ property & casualty, health coverage needs, as well as possibly the contents of their will and trust documents if they have already been established. However, once you get into the disability and life insurance files – this is where you make an amazing difference in their lives!

The vast majority of individuals consider income as weekly or monthly salary received via payroll. Only a handful ever considered how much money in total will be made until retirement based on their current salaries adjusted for an estimated 3% inflation rate. When presented to the client in the form of a graph showing cumulative increase in income over time, the results tend to amaze people. That is all income used for funding lifestyles, educational expenses of their offspring, additional investments in stocks or real estate, and finally providing retirement resources.

It is your job to ensure that if a sudden event takes place such as illness or injury that prevents anyone from performing duties and generating income anymore, they won’t ruin everything achieved previously. Disability Insurance planning includes proper coordination of Group Long Term Disability, appropriate fill-ins, and building the DI strategy ensuring protection up to whatever age is designated for retirement without overspending.