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Financial Wellness Amid Grief

Explore this checklist that helps widows understand and prioritize important financial and record-keeping tasks following the death of a spouse. View it here

Engage and Retain Female Clients

Women are increasingly making investment decisions for a larger portion of the country’s wealth. Discover the nuances of this market and how to address their unique retirement challenges. Read it here.

In the world of life insurance, understanding your client’s unique needs is crucial, especially when it comes to individuals living with diabetes. Selling life insurance to diabetic clients not only broadens your market potential but also empowers you to provide valuable protection to a demographic that often faces challenges securing coverage. Here’s why these clients are essential and how you can approach this opportunity.

Addressing Common Myths and Concerns

Many diabetic clients assume life insurance is either unattainable or unaffordable due to their condition. This is where your role as an informed agent comes into play. You can dispel myths by educating clients about how most life insurance companies now offer policies for people with chronic conditions. Insurers have adapted to include medical advancements and improved management techniques in their risk assessments, making coverage more accessible than ever.

Engaging with Empathy

Building trust with clients who have faced rejections or high premiums from other insurers means not just offering policies but also genuine empathy. Show your understanding of their healthcare journey and reassure them of the real possibility of financial protection. Demonstrating empathy and expertise can turn hesitant inquiries into committed policyholders.

Highlighting the Benefits of Early Enrollment

Advise diabetic clients on the advantages of obtaining life insurance sooner rather than later. As with all clients, securing a policy at a younger age could mean lower premiums. Additionally, if their health deteriorates over time, having life insurance beforehand can ensure they are not left unprotected despite potential complications.

Engaging with diabetic clients provides an opportunity to expand your business’s reach while making a meaningful difference in the lives of others. By offering specialized support and addressing their concerns, you position yourself as a trusted guide in their journey to financial security.

Conversations with Business Clients

Uncover potential planning opportunities with business clients using life insurance. Take a look at Pacific Life’s business planning resources for tips on starting conversations, client needs analysis questionnaire, and strategies that could be a great fit for your business client’s needs.

Business Solutions Playbook • Business Needs Analysis Questionnaire • Business Continuation Planning

Connect With Your Multi-Lingual Clients

Two of our most popular pieces are available to share with your Spanish and Mandarin-speaking clients—download them now!

PL Promise Conversion UL Client Guide: English • Spanish • Mandarin

PL Promise What Happens Next for Clients: English • Spanish • Mandarin

Case Study: Business Buy-Sell Strategy

Find out how life insurance can be used to help protect a family business as a wealth transfer tool. Business Buy-Sell Case Study

Accomplishing Charitable Goals Using Life Insurance

Many individuals have a history of giving to their favorite charity, and they may want to make sure that these gifts continue should they die prematurely. This client guide from Pacific Life discusses how using life insurance may be a way for charitably inclined donors to complete their expected lifetime gifts to a charity.

Need Business Planning Resources?

Uncover potential planning opportunities with business clients using life insurance. Take a look at Pacific Life’s Business Solutions Playbook for tips on starting the conversation, client needs analysis questionnaire, and strategies that could be a great fit for your business client’s needs. Visit our PL Promise page for even more business planning resources.

Estate Planning Strategies for Unmarried Couples 

What unique challenges do unmarried couples have in planning their estates? See how to turn these challenges into opportunities using life insurance with this client-approved brochure from Pacific Life. Estate Planning for Unmarried Couples 

Case Study: Business Buy-Sell Strategy 

Find out how life insurance can be used to help protect a family business as a wealth transfer tool. Business Buy-Sell Case Study