Tax season isn’t just about crunching numbers—it’s also a time when clients explore their finances and long-term security. As an insurance agent and trusted advisor, this presents a golden opportunity to discuss supplemental products like extended care and final expense insurance.

Many of your clients may not realize how supplemental policies can support them and their families down the road. This tax season, you can help them make informed decisions that align with their financial goals.

Tax Refunds and Future Planning

For many clients, tax season brings a financial windfall in the form of a refund. Instead of spending it on short-term wants, you can guide them toward using it for long-term financial security.

• Conversation Starter:
  “Have you considered using part of your tax refund to secure a policy that can protect your family from future financial burdens?”

Extended care insurance and final expense insurance provide financial security and peace of mind—something many people don’t prioritize until it’s too late.

Awareness of Healthcare Costs

During tax season, many people realize just how much they’re spending on medical expenses. Reviewing deductions for medical bills and long-term care can highlight gaps in their current coverage.

• Conversation Starter:
  “You may have noticed how quickly healthcare costs add up. Have you thought about how you’d handle unexpected long-term care expenses down the road?”

Extended care insurance can help cover the rising costs of home healthcare, assisted living, or nursing home care—expenses that could otherwise drain retirement savings.

Estate Planning and Final Expenses

Many clients use tax season to review their estate plans, making it an ideal time to discuss final expense insurance. This policy ensures their loved ones won’t face unexpected financial stress when handling funeral costs, medical bills, and other end-of-life expenses.

• Conversation Starter:
  “As you review your estate plans this tax season, have you considered how your final expenses will be covered? A small policy can make a big difference for your family.”

The average funeral in the United States costs over $8,000, and most Americans die with debt. Offering affordable final expense solutions to your clients can help prevent them from allowing these costs to fall to their family members and loved ones.

Tax season naturally puts financial security top of mind, making it the perfect time to discuss new products. By helping clients make smart decisions now, you can provide them with peace of mind and strengthen your relationship as a trusted advisor.

Ready to start the conversation? Learn more about HCG Secure’s products. Each offering is designed with simplified medical underwriting for an easy application and high acceptance rates, plus valuable non-insurance benefits to support your clients long before their time of need. And, HCG Secure offers competitive commissions, exclusive access to contracting opportunities with one of the biggest life insurance carriers in the U.S., and product trainings and materials straight from the product designers themselves!