Making the case for life insurance
Everyone has something to protect. That’s why it’s so important to connect people to life insurance that secures what matters most to them – regardless of age, income or life stage. We’re committed to helping you protect more people and supporting your business along the way.
Why life insurance is important to your clients, and you
The fact is, more than 30% of households would feel adverse financial impacts within one month if a primary wage earner died.¹ By selling life insurance, you help give clients the security and protection they deserve – with added benefits for you and your business.
Responding to common objections
Life insurance isn’t something most people look forward to talking about, but it’s an important way to add protection to any financial plan. We’re here to support you through these conversations and help you address objections clients may have.
“I can’t afford it.”
Your response: Expenses like rent, car payments, day care or student loans can make it hard to prioritize purchasing a life insurance policy when money is tight. But life insurance is often not as expensive as you might think, and you may be able to get a basic policy for less than the cost of your daily coffee.
“I’m covered through my employer.”
Your response: Life insurance policies offered through your employer are usually one or two times your salary, but many experts recommend having ten times your annual income to help cover your loved ones’ expenses. And if you leave the job, employer-offered life insurance typically doesn’t “move” with you.
“I’m strong and healthy.”
Your response: Even with a healthy lifestyle, none of us are invincible. Plus, there is no better time to get a policy than when you’re at your strongest and healthiest. A serious illness or injury make it tougher to get an affordable policy, if any at all.
“I don’t have children.”
Your response: Children are a big reason why some people get life insurance, but it’s not the only one. If there is anyone in your life who would suffer financially from your loss — your spouse, sibling or parents, for instance — a life insurance policy goes a long way in making sure your loved ones are protected.
Which type of life insurance is right for your client?
Every life insurance product offers death benefit protection, but there are several types designed to meet different client needs, priorities and budgets. It’s important that your recommendation matches your client’s unique goals. This flyer can help you narrow the search to the right fit.
Secure clients’ goals with protection that’s right for them
Help your clients secure their unique goals and offer them protection that makes a real impact on their lives. Explore our life insurance solutions to get started.
Other related topics
Understanding the basics of life insurance
Life Check Up to assess clients’ protection and changing needs
Term life offers simple, affordable protection for a certain time
We're here for you
Everyone deserves peace of mind when it comes to safeguarding what’s most important. We’re ready to help you deliver the protection and security your clients deserve. Reach out to us anytime for questions and support, and we’ll get in touch with you as soon as possible.
¹ Insurance Barometer Study, Life Happens and LIMRA, 2021