1. Lower Premiums - The number one follow up I have with clients is to see if there are new plans available  that may lower your premium.
    

2. Life Insurance for Income Replacement- Low cost term life insurance is a good way to provide additional coverage to protect your income and provide additional benefits for your family.
    

3. Spouse - Are your recently married or looking to add coverage for your spouse who was not covered during the initial meeting?
     

4. Retirement Planning - Learn how to protect your retirement accounts from losing money and how to provide a lifetime income.
    

5. Debt Payoff - Learn how to pay off your mortgage and other debts such as credit cards, auto loans, and student debt using cash value in your policy.
    

6. Cash Value Life Insurance - Many clients want to review the options to convert their Term policy to a permanent cash value policy.
    

7. Stop Smoking - If you stopped smoking, then we can review options for a lower non-tobacco rate.
    

8. Children & Grandchildren - There are many life insurance options for your children and grandchildren that can provide lifetime benefits such as cash value and living benefits. 
    

9. Beneficiaries - Do you need to change the beneficiary on your policy?
    

10. Address Change - Have you changed your mailing address?
     

11. Living Benefits - Do you want to review how the Living Benefits rider with your policy can help you if you get sick?

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