Life Insurance Awareness Month Advisor Toolbox
September is Life Insurance Awareness Month (LIAM)—a perfect time to start conversations with clients about protection, diversification, and long-term planning. We’ve pulled together resources, tools, and insights you can use right away.
🧮 Life Insurance Needs Calculator
Help clients understand how much coverage they need with this quick and easy tool. 👉 Calculate Now
📘 Carrier Updates
Carriers are expanding accelerated underwriting programs, making it easier than ever to secure coverage for clients. 👉 Review Accelerated Underwriting Navigator
â– Case Studies With Benchmarks
Four real-life examples showing life insurance in action (young families, business owners, pre-retirees, estate planning).
👉 Review Case Studies
📊 Objection Handling Tips
How to respond when clients say, "I have coverage at work" or "It's too expensive." 👉 Individual v. Group Life Insurance
🧰 Butterfly Chart Napkin Tool
Strategy used for moving from term-only sales to a balanced, client-centered solution. 👉 Review Resource
📅 Advisor Action Steps for LIAM
- Review young family clients with only employer-provided group life to highlight the risks of underinsurance
- Audit business-owner clients for succession gaps. Do they have a funded buy-sell plan?
- Discuss retirement tax diversification with pre-retirees who are already maxing out 401(k)s and IRAs.
- Share a "Did You Know?" stat in client conversations or on social media to spark awareness.