NAIFA Mobile, AL

Virtual Library

As a member of NAIFA, you now have free, unlimited 24/7 access to the NAIFA Virtual Library. Whether you are a new advisor or agent, or an experienced producer, the NAIFA Virtual Library is your key to a myriad of sales support tools and resources that will help you grow and succeed in your business.

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Click Here for A Sample Client Presentation "Split Annuity"

Life Insurance Conversation Starters

1.      In addition to your other insurance, what company do you currently own your life insurance with?

2.      How much coverage do you have?  Does that concern you?

3.      When was the last time you reviewed it with your agent?

4.      What will happen to your mortgage if something should happen to you? 

5.      What formula did you use to determine the amount you have?

6.      Have you ever had someone do a needs analysis program for you?

7.      Have you had a life-changing event?

8.      Would you be interested in a having a policy review to see if you have the right amount / right kind of life insurance?

9.      If you died yesterday, would anybody you love be hurt?

10.  If you died tonight, what would happen to your business tomorrow?

Life Insurance Exam Checklist

	Blood pressure and pulse can be artificially raised by stress, alcohol, caffeine and tobacco.
	Get a good night's sleep the night before the examination.
	Abstain from alcoholic beverages for at least eight hours prior to the exam.
	Do not smoke or chew tobacco for at least one hour prior to your examination.
	Avoid drinking coffee, tea or caffeinated soft drinks for at least one hour prior to your examination.
	Limit salt intake and high cholesterol foods 24 hours before your examination.
	You should not engage in strenuous physical activities 24 hours before the examination.
	Advise your Paramedical Examiner regarding any medications you are taking, even non-prescription medications.
	Have available your physician's names, addresses, dates of past visits, names of any prescribed medications and any information regarding injury and major illness during the previous five years.
	If you belong to Kaiser or any other prepaid medical plan, have your medical record number available.
	Drink a glass of water an hour or so before your appointment. This will help in obtaining a urine specimen.
	If a blood specimen is required, you should fast according to provider directives prior to the examination unless otherwise instructed.