Do you have the life insurance you need?
- Future Goals and Legacy
- What are your long-term financial goals for yourself and your family?
- How do you envision taking care of your loved ones if you were no longer around?
- What kind of legacy would you like to leave behind for your family, business, or community?
- Family and Financial Protection
- If something happened to you, how would it impact your family’s current lifestyle?
- Do you have a plan in place to protect your family’s financial future?
- How would your family cover living expenses and debts in your absence?
- Life Changes and Coverage Needs
- Have there been any significant changes in your life recently (marriage, new child, buying a home, new job)?
- Do you feel confident that your current coverage is enough to meet those new needs?
- What concerns you the most about your current life insurance plan?
- Income Replacement and Lifestyle Maintenance
- If you were suddenly unable to work, how long could your family maintain their lifestyle?
- Do you have a plan to replace your income if something unexpected were to happen?
- What would it mean for your family if they were to lose your income source?
- Retirement and Cash Accumulation
- What are your biggest concerns about saving for retirement?
- Have you thought about using a life insurance policy as a way to build cash value or fund your retirement?
- Are you familiar with the tax benefits of certain life insurance options that could help grow your retirement fund?
- Debt Management and Financial Responsibilities
- If you were no longer here, how would your debts (mortgage, loans, credit) be handled?
- How would your family handle any financial obligations left behind?
- Do you feel comfortable with your current level of financial security for your family?
- Estate Planning and Taxes
- Are you aware of how life insurance could help reduce the tax burden on your estate?
- Do you have a plan in place to ensure your assets are distributed according to your wishes?
- What concerns do you have about estate taxes or transferring wealth to your heirs?
- Health and Long-Term Care
- How prepared do you feel for future healthcare expenses or the need for long-term care?
- Would your family have the resources to cover your healthcare expenses if something happened to you?
- Have you considered options that combine life insurance with long-term care benefits?
- Business Continuity (For Business Owners)
- What would happen to your business if you were no longer able to be there?
- Do you have a succession plan in place to protect your business and employees?
- How would your family benefit from your business if something unexpected happened to you?
- Current Financial Strategy and Improvements
- What do you feel is missing in your current financial protection strategy?
- If you could improve any one area of your financial plan, what would it be?
- What would peace of mind look like to you in terms of financial security?
