Tag Archives: Questions

The Life Insurance Questions You Should Be Asking

Ask those questions!Let’s face it. Life insurance is not the most upbeat topic to discuss with a client, or your family. Sometimes finding the words to say and questions to ask just becomes harder and harder, because you’re not sure how you should ask about such delicate and personal things.

Instead of beating around the bush, go straight to the basics; ask who, what, where, when and why questions — questions that make the clients think before they can answer.

For example when talking to your client about life insurance options, LifeHealthPro.com offered these questions to ask:


  • Most people do not seem to understand life insurance very well. Tell me, what do you know about life insurance?
  • What is your philosophy regarding life insurance?
  • What financial formula did you use to determine how much life insurance to buy?
  • What prompted your most recent purchase of life insurance?
  • How did you choose the company that you purchased life insurance from?
  • How did you select the agent?
  • What are your thoughts regarding term insurance and cash value life insurance?
  • If you were going to buy life insurance in the future, why would you buy it?
  • How do you feel about life insurance on your spouse?
  • How do you feel about life insurance on your children?

If you need to, National Agents Alliance encourages you to take these questions (or a list of your own tactical questions that work) with you to your next meeting and write your client’s response in. This will provide an outline of their needs, which will help you to find the policies that match.


QuestionsAsking questions is the most effective method to get the information that you need in order to develop the proper policy for your client.  It’s also the best way to get the information you need about furthering yourself and your business.  For a lot of individuals, simply the act of asking for information can be difficult, just keep in mind the benefits that it brings you and the client and push forward with them.

Remember that asking questions to find out about your clients situation and needs are necessary in order for you to assist them best.  Initially this may feel a little awkward, just keep in mind that this is the information that will allow you to tailor a policy for your client, and gently remind them of that if it appears they are a bit shy.  In the same vein, sometimes responses to those high value questions may be vague.  In that case, be sure to ask for clarification.  Light urging with a “Tell me more,” or “Could you please expand on that?” will do wonders to continue things moving.  Of course, practicing some of the techniques of putting your client at ease will help both you and the client get past any uncomfortable stages.

Asking about a client’s concerns is a bit of a touch and go point.  If you believe that you can address what you feel may be the concerns, this can be a very helpful item that affords that opportunity.  Leaving the question unasked risks the chance of being blind-sided by potential issues later.  However, while you do want to address concerns, in terms of sales, you don’t want those to be forefront in the clients mind, but rather the benefits instead.  Knowing your client and products and putting them together well should mitigate most concerns, and certainly putting together the proper policy is paramount and urges this particular question.  Just be aware that by doing so, you will need to be able to sufficiently address the issues or it could backfire on you.  National Agents Alliance will help stack the odds in your favor, do it by using the training available to you!

As you wind up, don’t forget a couple of other important questions.  Remember to ask for referrals.  Even if you can’t help this particular client, they may know of someone that you can, do not be shy about this!  Should things go well, consider asking for a testimonial of your work.  Having a reference from an existing client is always great to showcase to other potentials and will help increase your reputation.  Should you wind up not making a sale, here is a perfect opportunity for you to turn a negative into a positive:  Ask the client what it was that influenced their decision.  Let them know that you are always looking to improve and that this will help you in the future.  Be sure to take the criticism positively and do what you can to influence it in the future.  Some things you will be able to address directly, others may be out of your hands, but at least you will have the knowledge of what provided a hurdle in this particular case.

So remember, questions are good.  Don’t be afraid to ask them as they are an integral part of your business, just be sure to ask the correct, and high-value ones!

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