Do you have clients interested in providing for younger generations or giving to charitable organizations long after they are gone? Life insurance is an excellent tool to help your clients leave a legacy.

Here are some tips to start the legacy conversation with your clients:

• Have a comprehensive conversation to understand your client’s legacy objectives. Is he or she looking to provide for family, support charitable causes, or leave a financial gift for future generations?
• Educate your clients about the types of insurance policies and how each option can align with their legacy goals—highlight the potential for cash value accumulation in permanent policies.
• Regularly review and adjust, especially when major life events occur (e.g. marriage, illness, retirement, etc.). Make sure the policy continues to meet their evolving needs with appropriate coverage amount, policy duration and beneficiaries.

Legacy planning is a deeply personal process. Your role is to help guide your clients through the options and help them make informed decisions that align with their legacy planning journey.