Terry Blackburn

Motivation: financial planning is self‑care. Budgeting, saving, investing and insuring are all acts of kindness to your future self. Embrace the process as an investment in your happiness.

Incorporate wellness benefits. Many policies now include mental health resources, gym discounts and holistic health coaching. Insurance that cares for you while you live? Yes, please.

Humour: if you’ve ever bought travel insurance for a 3‑day trip, you can definitely justify life insurance for the rest of your life. Priorities matter.

Life insurance isn’t just for end‑of‑life; it can accelerate wealth. Permanent policies allow for tax‑advantaged growth and can act as a source of emergency funds. Use it wisely as part of your holistic financial plan.

Transparency builds loyalty. Explain premiums, fees, and potential pitfalls. Clients appreciate honesty and will refer others when they know you’re looking out for their best interests.

Many people worry about the medical exam. Some modern policies use data from your medical records, prescription history or even wearable devices. Ask about simplified or no‑exam options if needles aren’t your thing.

Sales tip: practise active listening. Repeat back what you hear and validate feelings. Clients will tell you everything you need to know if you truly listen. This builds trust and reduces objections.

Motivation: love is proactive. Taking out a policy isn’t morbid; it’s a caring act that says, “I’ve got you, even when I’m not here.” Don’t let discomfort prevent you from showing love in a tangible way.

Gamified health programs link fitness data to insurance incentives. If you need motivation to hit 10k steps, a discount on your premium might do the trick. Staying healthy pays off in more ways than one.

Your credit score doesn’t directly affect premiums, but insurers may look at your financial habits. Maintaining good credit and paying bills on time reflects reliability and can help with underwriting. It’s another reason to manage your finances wisely.

Humour: life insurance is like sending your future self a thank‑you card. It may not get opened for decades, but when it does, your family will be grateful you sent it.

Quick fact: studies show women are less likely to have life insurance than men. Encourage the women in your life to get covered; financial independence includes protection.

Many people get life insurance through their employer, yet around 40% say their loved ones would be barely or not at all financially secure if they died unexpectedly. Don’t rely solely on group coverage; supplement it with personal policies.

Sales skill: ask “what if?” questions. “What if something happened tomorrow – how would your family pay the mortgage?” “What if you were diagnosed with a critical illness?” Such questions help clients visualise the impact and spur action.

Motivation: your children learn more from what you do than what you say. Demonstrating responsible planning by securing life insurance teaches them the importance of protecting loved ones and preparing for the future.

For high net‑worth individuals, life insurance can mitigate estate taxes and equalise inheritances among heirs. Strategies like irrevocable life insurance trusts (ILITs) ensure benefits aren’t counted toward your estate. Consult a specialist for bespoke planning.

Humour: if procrastination were a sport, many of us would be gold medallists. Don’t let life insurance be another thing on your to‑do list that never gets crossed off. The application process is faster than you think.

Only 45% of younger adults would solely rely on the internet to purchase life insurance. Even digital natives value professional guidance. Offer a hybrid approach: online convenience with expert advice.

Selling tip: speak your client’s language. Use analogies they relate to – sports fans understand “defence wins championships”; parents appreciate “safety net”; entrepreneurs like “asset protection.” Tailored language resonates.

Inflation and cost‑of‑living crises make budgeting tough, but not having coverage exposes your family to even greater risk. Life insurance premiums are fixed if you choose level term, providing predictability in uncertain times.