Download - Ram Group Term Quote Engine Tutorial
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RAM GROUP Online Term
Quoting Engine
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The average life insurance coverage applied after the completion of a needs
analysis is 3X higher than a simple transactional estimate of needs.
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Determining Your Clients Needs
How Much?
1. Immediate Obligations
2. Sustain the Household
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Determine Need
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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?
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Determining Your Clients Needs
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Determine Health Class
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Determine Health Class
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Customize Carriers & Products
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