Personal Life Insurance Planning

Overview

Understanding how to determine suitable life insurance amounts for survivors’ lump-sum cash and income needs helps agents and advisors better serve clients. This course teaches how to recommend appropriate life insurance amounts using case studies and examples, explaining how to analyze a client’s situation and quantify their needs for a suitable recommendation.

Find this course for your license

License or Certification

Regulator

Objectives

Explain the importance of basing client insurance requirements on a thorough analysis of needs
Gather the appropriate client information required to perform an insurance needs analysis
Identify and calculate a client's family's lump-sum needs at the death of a breadwinner
List the Social Security survivor benefits that need to be considered in analyzing survivors' needs for life insurance to replace income
Identify and calculate survivors' income needs during the dependency period, blackout period, and retirement period

Designed For:

Life and health insurance producers and finance professionals

Course Information

Adding additional credit may change exam requirements.

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