Who are the most important people you want your life insurance to protect or benefit? If something were to happen to you, what financial responsibilities would you want covered immediately (e.g., mortgage, tuition, income replacement, business obligations)? Beyond income protection, what legacy would you like your life insurance to help create for your family, community, or favorite causes? How would you want your loved ones to feel — financially and emotionally — about the planning you put in place?
How do you view life insurance within your broader financial strategy — protection, savings, tax efficiency, or wealth transfer? What major financial goals are you currently planning for (retirement, children’s education, charitable giving, estate planning)? How comfortable are you with using life insurance as a long-term asset or cash-value accumulation tool? Have you ever reviewed your current coverage to ensure it still meets your needs and objectives?
Who are the most important people you want your life insurance to protect or benefit? If something were to happen to you, what financial responsibilities would you want covered immediately (e.g., mortgage, tuition, income replacement, business obligations)? Beyond income protection, what legacy would you like your life insurance to help create for your family, community, or favorite causes? How would you want your loved ones to feel — financially and emotionally — about the planning you put in place?
What do you want your policy to accomplish — pure protection, lifetime coverage, cash growth, or supplemental retirement income? Would you prefer a plan that offers flexibility (e.g., the ability to adjust premiums or access cash value), or one that provides guaranteed benefits with no surprises? How long do you envision needing coverage — until retirement, for your lifetime, or across generations? Are you interested in coverage that can also provide living benefits, such as long-term care or chronic illness protection?
What past experiences have shaped your views about insurance and financial security? How do you define “peace of mind” when it comes to protecting your family or business? If we design a plan together, what would success look like to you 10 or 20 years from now?
What questions do you have about the different types of life insurance — term, whole life, indexed universal, or variable? What would you like to understand better — tax treatment, cash value growth, or estate planning integration? What’s motivating you to review or establish coverage right now?
