The 6 Best Life Insurance Questions to Ask Clients

Selling life insurance can be challenging, but as prospects start families or build businesses, they begin to recognize the importance of financial security. The key is helping them reach this understanding. Asking the right life insurance questions not only educates clients but also builds trust and highlights the value of life insurance policies.

Here are the six best life insurance questions to ask clients, along with strategies to connect with them and close more sales.

How to Approach a Customer for Life Insurance

Selecting an insurance plan is deeply personal, and many people avoid discussing life insurance due to misconceptions or discomfort around the topic. Did you know over half of customers are unsure whether life insurance benefits are tax-free? Many are also unaware that permanent life insurance policies can build cash value, which can be used for retirement or other financial needs.

To overcome these hurdles:

• Build rapport with your prospects to create trust.

• Educate them about the tangible benefits of life insurance.

• Tailor your pitch to address their unique concerns and life goals.

A strong personal connection can make all the difference in helping clients see the value of life insurance for their families.

The Best Insurance Sales Techniques

Selling life insurance successfully requires preparation, belief in the product, and strong interpersonal skills. Here are some proven techniques:

1. Automate Repetitive Tasks: Streamline your sales process with CRM software to save time. A robust CRM can help you track leads, assign tasks, and nurture relationships, allowing you to focus on building connections.

2. Believe in Your Product: Clients will sense whether you truly believe in the value of life insurance. Be confident and prepared to explain how these policies can meet their needs.

3. Understand Your Client's Pain Points: Listening is as important as pitching. Take time to understand your prospects’ financial goals and concerns to provide tailored solutions that resonate with them.

4. Create Personal Connections: Sales are often driven by emotions rather than logic. Show genuine interest in your clients’ lives, and emphasize how life insurance can protect their loved ones.
   

6 Key Life Insurance Questions to Ask Clients

Knowing the right questions to ask is critical for success. These six questions will help you identify your client's needs and guide them toward the right policy:

1. Are you aware of how affordable life insurance can be? Highlight the cost-effectiveness of life insurance, especially for younger clients. Compare rates for healthy adults versus older prospects to show the advantages of buying early.

2. Is anyone currently dependent on your income? This question emphasizes the importance of income replacement. If the answer is yes, discuss how life insurance can provide financial security for their dependents.

3. Do you have children? Talking about their children helps prospects think about their family’s future. Discuss how life insurance can safeguard their children’s financial well-being.

4. What do you do for your family? Acknowledging their daily contributions reminds clients of their value to their families and the importance of planning for their loved one’s future.

5. When was the last time you attended a funeral? While sensitive, this question helps clients confront the reality of mortality and the need to plan for unforeseen events.

6. Do you have outstanding debt ? Discussing debt helps clients see how life insurance can prevent financial burdens from falling on their loved ones in the event of their death.

Conclusion

Asking the right life insurance questions can help you build trust with clients and demonstrate the importance of financial security. By focusing on their unique needs and using tools to streamline your processes, you can close more sales and grow your business.

Leverage resources like Agent CRM to simplify your workflow, track leads, and manage client relationships efficiently. The right tools and strategies will empower you to serve your clients better and build lasting relationships.