Life needs analysis
A few gentle questions.
This is conversation prep, not a recommendation. There are no wrong answers.
Step 1 of 7
Who's in your world?
Tell us a little about the people and things you'd want to protect.
Do others depend on your income?
Who's part of your household? (choose any)
What are you carrying right now?
This helps us understand what a payout might need to cover. No numbers needed, just the shape of it.
Which of these apply to you? (choose any)
How much does your income carry?
We're not asking for a number, just a feel for how essential it is.
Is your income essential to your household's day-to-day expenses?
If something happened to you, how long would you want that income replaced? (choose any)
What matters most?
Pick the goals that feel closest to home. You can choose more than one.
What coverage do you already have?
So we don't cover the same ground twice, and can focus the conversation on what's missing.
That's everything we need.
This is conversation prep, not a finished plan.
Your answers help us focus a calm, no-pressure conversation about what fits. Nothing here is a recommendation or a quote.
Dependents
YesNot right nowNot answered yet
Household
A partnerYoung childrenTeens / studentsAging parentsA businessJust me, for now
Debts
Mortgage or rentCar loanLine of credit or credit cardsBusiness loanStudent loansNone of these right nowNot answered yet
Income
Yes, essentialNot essential right nowNot answered yet
Protect income for
A few yearsUntil the kids are grownUntil retirementNot sure yetNot specified
Goals
Cover the mortgageReplace my incomeLeave a legacyPlan for future careProtect my businessCover final expensesNot answered yet
Existing coverage
Term lifePermanent / whole lifeUniversal lifeCritical illnessDisabilitySegregated fundsChildren's whole lifeNone that I know ofNot answered yet
Last step. How can we reach you?
Your information is kept confidential. We use it only to prepare for your conversation and to follow up on this request. We never sell or share your details.
Thanks, that's everything we need.
We've got your details.
We'll follow up to schedule your conversation. This is still conversation prep, not a recommendation or a quote.