Ram Group Term Quote Engine Tutorial
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RAM GROUP Online Term Quoting Engine
Transcript of Ram Group Term Quote Engine Tutorial
RAM GROUP Online Term
Quoting Engine
The average life insurance coverage applied after the completion of a needs
analysis is 3X higher than a simple transactional estimate of needs.
Determining Your Clients Needs
How Much?
1. Immediate Obligations
2. Sustain the Household
Determine Need
Determining Your Clients Needs• How much will Social Security provide and for how long?
• How do you inflation-proof your family income, so the real
purchasing power of those dollars does not decrease?
• What is the earning potential of your surviving spouse?
• How often should you review your Needs Analysis?
• How can you use life insurance to help provide retirement
income?
• How do you structure your estate to reduce the impact of
estate taxes?
• Which assets are liquid and which would not be reduced
by a forced sale?
Determining Your Clients Needs
Determine Health Class
Determine Health Class
Customize Carriers & Products
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