Life insurance sales

How do you help client's figure out how much life insurance is the right amount?

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Well you should start by determining what the clients human life value is. Then you can design a plan using different types of life insurance and solve for the right blend of death benefit and cash value growth in the policies

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(Income x 25) + mortgage + funeral cost

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Ask them questions. How long to replace income? Do you want mortgage paid off? Do you want college covered? Etc.

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You send them to me ;)

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All good ideas. Thanks for sharing! I use HLV most

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