Life insurance is often namedby brokers as one of the hardest products to sell, as manyemployees believe it is too expensive and most don’t want to thinkabout what would happen after they pass away.


Next time you approach a life insurance sale orenrollment meeting, consider a new tactic: Promote coveragebenefits that go beyond the monetary payout that loved ones mayreceive from the policy.


Most HR managers and employees know life insurance protects themand their families from financial hardship after they pass away.But they may not realize that life insurance may come withadditional benefits that can help in everyday life, includingfinancial planning and even travel assistance.


Talking about these unique benefits can be a great way tojumpstart a dialogue about life insurance and the additional valuethe products may have that employees aren’t using.

Family-focused financial support

Some carriers offer group and voluntary life insurance productsthat come with a suite of services to help individuals and theirfamilies make important decisions now and in the future.


These services include financial assistance tools that can helpemployees with everything from financial planning and identitytheft protection, to will preparation and funeral planning. Theseare important components of a holistic financial plan that manyemployees don’t think about and, if not properly attended to, couldleave loved ones unprepared should something happen.


In addition, many life insurance plans include tools andservices to support beneficiaries after an employee’s death. Theseinclude grief support and funeral planning services, as well asfinancial consultations that can help loved ones who inherit lifeinsurance benefits.


Not only that, but carriers may also have some type ofassistance to help family members get back on their feet after aloved one’s accidental death, including:

  • Higher education benefits, which can reimburse higher educationexpenses of children attending college.

  • Career adjustment benefits, which include retraining assistanceso a surviving spouse can find new career opportunities.

  • And even child care benefits, which reimburse child careexpenses so that a surviving spouse can enter or continue in theworkforce.

Helpful travel assistance

There are also some benefits that come with carrier’s lifeinsurance policies that help employees when traveling for work orpleasure. These benefits can help employees with emergency medicaltransportation or medical assistance services.


One of the most attention-grabbing aspects of this type ofcoverage is that it can provide emergency transportation servicesto get someone to a higher level of care, transport them back homeand even repatriate remains, if needed. Not only that, it can evenhelp transport a family member or friend to a hospital if theemployee were traveling alone. These costly services would bedifficult for an employee to afford without travel assistancebenefits.


Keeping these extra benefits in mind can help you initiateconversations about life insurance, or even refresh your enrollmentpresentations. Ask potential customers if they are aware that lifeinsurance can support them in case of an emergency while traveling— or help protect them from identity theft. Those topics canpique interest and lead to more in-depth discussions that lead toincreased sales.

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