Celebrate Life Insurance Awareness Month (LIAM)
Life Insurance, for when life happens
What is Life Insurance Awareness Month (LIAM)?
September is Life Insurance Awareness Month (LIAM) – a perfect time to have conversations with your clients about their financial, income and mortgage protection plans. You spend a lot of time helping clients build their assets. It’s equally important to incorporate contingency planning for the unexpected with a life insurance policy.
Clients’ lives often throw them curveballs that can impact their accumulated assets and contingency plans. Reviewing and updating options to protect their income, savings and mortgage will help them enjoy the present, retain more of their earnings, and grow their wealth over time.
Client Resources
Total Needs
Take a holistic approach using total needs planning to help your clients determine the amount and type of life insurance protection they need.
Income Replacement
Income replacement is a crucial aspect of life insurance that ensures your client’s family can maintain their standard of living if someone passes away.
Mortgage Protection
Homes may be one of the largest assets your clients have. To counter unexpected events, work with your clients to choose a life insurance policy that protects their family and helps them pay off their largest asset.
Mortgage PLUS
Use our resource to help clients discover the various ways that they can pay off their mortgage using the Mortgage Protection PLUS strategy.
Additional Resources
Here are some additional resources for financial professionals and clients
Financial professionals:
Clients:
- Family Discussion Guide: Share your love
- Permanent Life Insurance Brochure: Prepare for the Future, Live for Today
- Women, Money and Relationships Executive Summary
Clients need your help more than ever with their financial protection plans
Americans say they need life insurance1
It’s our combined mission to bridge the gap and provide crucial protection to families
Of life insurance owners say they don’t have enough coverage1
Help your clients review their current life insurance coverage together and assess if it aligns with their income replacement and total needs.
Of women own life insurance1
There is now an 11% difference between men (57%) and women that own life insurance. Let’s close that divide and provide women with the protection they need.
Real Life Stories
You work so hard to create financial plans for your clients. If something unexpected were to happen, the potential negative consequences on one’s finances could be catastrophic. See these Real-Life stories of everyday people who didn’t think they would have the unexpected happen to them.
Jeanie Kazemier: Tom and I were definitely a case of opposites attract. He was the planner, I was more spontaneous. We brought out the best in each other. Shortly after Tom and I were married, he brought up the topic of life insurance. Tom would always say to me, “We need to plan for our future” and “We don't know what could happen.” He was such a wonderful partner and a great father. He loved the outdoors. Every year, Tom would go on an annual snowmobile trip with his friends and colleagues. Tom called me while he was on his trip. I didn't know at the time that that would be the last time that I would ever speak to him. Tom had been in an accident and had passed away. It was the worst moment of my life. I couldn't imagine a world without Tom. People who don't think life insurance is important, I get it, because I used to be one of those people. If Tom didn't have life insurance, I don't know how I would have paid my mortgage. I don't know how I would have gotten groceries for the kids. Barb Pietrangelo (financial professional): After Tom's death, Jeanie was quite worried about money, and just security in general. And the life insurance not only provided the benefits for her to stay home and take care of her family financially, it also gave her a peace of mind to even sleep well at night. Tom made sure that there was life insurance for the family in case anything would happen to him. That Jeanie and those kids would always be secure. Jeanie Kazemier: Because of Tom's life insurance, the kids and I are doing really well. It's been a long journey, but we've made new memories. And more than anything, the three of us know we are okay. We're not just surviving anymore. We're thriving.
Learn more about our protection and accumulation products.
1 2024 Insurance Barometer Study, by Life Happens and LIMRA
Loans and withdrawals reduce the policy's cash value and death benefit and may increase the chance a policy may lapse. The client may need to pay higher premiums in later years to keep the policy from lapsing.
Life insurance products are issued by Equitable Financial Life Insurance Company (New York, NY) or Equitable Financial Life Insurance Company of America, an Arizona Stock company with an administrative office located in Charlotte, NC and co-distributed by affiliates Equitable Network, LLC (Equitable Network Insurance Agency of California in CA; Equitable Network Insurance Agency of Utah in UT; Equitable Network of Puerto Rico, Inc. in PR) and Equitable Distributors, LLC., New York, NY.
Equitable is the brand name of the retirement and protection subsidiaries of Equitable Holdings, Inc., including Equitable Financial Life Insurance Company (NY, NY), Equitable Financial Life Insurance Company of America, an AZ stock company with an administrative office located in Charlotte, NC, and Equitable Distributors, LLC. Equitable Advisors is the brand name of Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI and TN), and Equitable Distributors, LLC.
The obligations of Equitable Financial Life Insurance Company and Equitable Financial Life Insurance Company of America are backed solely by their claims paying ability.
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