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

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