How Life Insurance Protects the Ones You Love

Feb. 11, 2022

Every year on February 14th, people make a point to shower their loved ones with chocolate, flowers and reminders of their love for them. While jewelry and fruit baskets are par for the course, as a life insurance agent you can help your clients choose a gift that will last longer than a bouquet: an insurance solution that will help your clients protect their loved ones for years to come.

Many insurance products can help your clients achieve financial success while financially protecting their families during difficult times. Since you can always have more than one life insurance policy, your clients can create contingency plans that will keep their families protected no matter what life throws at them. Regardless of their financial concerns, there is an insurance solution that can help them prepare for the future.

Whether they’re buying a whole life policy for grandchildren or a mortgage protection policy to protect the family home, a life insurance policy would be a great gift option to present to your clients this February.

Benefits of whole life insurance

A whole life insurance policy is a great way to protect the ones you love. Your clients will benefit from protection that will support their family their whole life and after they pass. The cash value and death benefit that comes with whole life coverage makes it one of the best family-protection life insurance policies. Whether your client wants to ensure their spouse will never face financial hardship after they die or they want to generate a source of income with the cash value of the policy, a whole life insurance policy will give your client the ultimate protection for their loved ones.

A whole life policy is an excellent offer for any clients hoping to secure permanent protection for their families. No matter what happens, your client’s loved ones will be protected from financial hardships.

Death benefit for their spouse

Having a whole life insurance policy might benefit your client’s spouse more than anyone else. Especially, if your client has children, by setting them up with a whole life policy you can ensure their spouse can continue supporting their family. A death benefit can be a life preserver during a flood for your client’s family. The peace of mind knowing that their family is protected will be invaluable to your client.

Cash value for grandchildren

Your older clients might be interested in a whole life policy for their grandchildren. These clients might have more disposable income and can afford a permanent life policy that will come relatively cheap given the age of their grandchildren. With this purchase, they can invest in the cash value of the policy and help their grandchildren generate wealth that could eventually help them pay for their college education or put a down payment on their first home. The cash value component of a whole life policy is a great way to help your clients protect their loved ones.

Benefits of term life insurance

A term life insurance policy is another valuable addition to your client’s financial portfolio. A term life policy is cheaper than whole life, and it can be tailored to last a set number of years depending on what your client wants to cover. To that end, it’s ideal for anyone hoping for additional coverage that temporarily protects their loved ones.

Your clients can choose a policy designed to cover any length of time they will need financial protection, generally from 10 to 30 years. This could be until a child is old enough to move out or the length of a mortgage loan. While term life policies do not come with a cash value component, they do sport lower premiums that are more affordable for budding families.

Protect their childhood

A great example of your client’s use of a term life insurance policy would be to protect their children until they’re old enough to move out of the family home. A 20- or 30-year term life insurance policy would ensure that if anything happens to your client or their spouse during that time, their children will be taken care of. A term life policy is a great way to help your clients protect their loved ones until they can protect themselves.

Help clients keep their homes with mortgage protection

Mortgage protection is a form of term life insurance that is specific to the length of your client’s mortgage. With mortgage protection, if your client dies, experiences a critical illness or disability before their mortgage is paid, the insurance policy will cover their mortgage balance. A mortgage protection policy is a perfect way to help your clients protect their families from paying off a hefty mortgage without their income.

Protect the family home

For many families, their home is one of their most expensive debts and most valuable assets. Beyond that, homes are where memories are made and families are built. With a mortgage protection policy, your clients will have peace of mind knowing that they will not lose their homes if they’re unable to make payments.

Spread the love with life insurance at Symmetry

At Symmetry, we understand that there is nothing more rewarding than helping a client protect their loved ones. Now is a great time to provide your clients with insurance solutions that can protect everything from their spouse to the house where memories are made. By giving your clients a free life insurance quote, you can help them take the first step toward protecting themselves and their loved ones.

While heart-shaped boxes stuffed with chocolates are always a happy surprise, the peace of mind you can provide your clients will be lasting and impactful to those they love. Consider discussing insurance solutions with your existing and potential clients this February and spread the love of life insurance.

As a Symmetry agent, you will have access to high-quality life insurance, disability income insurance, critical illness insurance, and annuity products from more than 30 well-known insurance companies. This gives you the flexibility and reach you need to tailor plans to meet clients' individual coverage needs.

To learn more about how to begin a fulfilling career as a life insurance agent, contact us today .


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