As a trusted Agent and Advisor, September offers a golden opportunity to have meaningful conversations with your clients about one of the most important financial tools available—life insurance. Life Insurance Awareness Month is a national campaign dedicated to educating consumers about the value of life insurance, and the need for proper financial protection. Now is a perfect time to highlight the importance of life insurance, and help clients secure their financial future.
Here are a few ways you can make the most of this month, and encourage your clients to prioritize life insurance:
Start the Conversation
Life insurance, and our mortality, can sometimes be sensitive topics. Life Insurance Awareness Month, however, provides a natural opening to alleviate some discomfort. Position the conversation as a proactive measure, focused on protecting loved ones’ financial well-being. Share real-life stories or case studies illustrating how life insurance can help families during difficult times, and emphasize it’s not just about death benefits, but about providing peace of mind and security. Also remember to highlight that some life insurance products, like HCG’s GTL Life Select, offer “Living Benefits”, so a discussion about life insurance can be about value-aligned aging AND protecting loved ones after death.
Educate Clients on the Different Types of Life Insurance
Many clients are unaware of the variety of life insurance products available. Use this opportunity to explain the differences between term, whole, and universal life insurance. Walk your clients through how these policies work, their potential benefits, and which options may best suit their individual circumstances. Within these categories, it’s important to get to understand your clients’ goals for a policy: Are they looking to cover LTC costs? To prevent final expenses from falling to loved ones? Or, maybe to help build an estate and savings for the next generation?
Emphasize Life Changes that Impact Coverage Needs
Help clients recognize their life insurance needs are not static. Major life events—such as getting married, having children, buying a home, or starting a business—can all prompt the need to update or increase their coverage. Life Insurance Awareness Month is the perfect time to remind clients to review existing policies to ensure they’re adequately protected.
Specifically, encourage them to assess:
– Do I have enough coverage to replace my income for my family if something happens to me?
– Has my financial situation changed?
– Do I have any new dependents or responsibilities to consider?
Highlight the Affordability and Accessibility of Life Insurance
A common misconception is that life insurance is too expensive. However, many policies are more affordable than people realize, and plans get more expensive with age; so, it’s best to get a plan in place sooner. Sharing the actual costs based on your clients’ demographics can help dispel myths.
Make Life Insurance a Part of the Comprehensive Financial Plan
Life insurance is often an overlooked part of financial planning. Take this opportunity to remind your clients that a solid financial plan is incomplete without life insurance. By integrating life insurance into broader financial goals, such as retirement planning or wealth transfer, you position it as a tool that not only provides security, but also contributes to long-term financial stability.
Be the Advisor Who Cares!
This September, as Life Insurance Awareness Month brings this essential protection into focus, take the time to connect with your clients on a deeper level. Life insurance planning is more than just selling a product; it’s about showing clients you care about their families, their future, and their financial health.
By offering thoughtful guidance, personalized solutions, and timely conversations, you can help your clients make informed decisions about their life insurance needs—and ensure they’re prepared for whatever the future holds.