Agent: "Has your life insurance protection kept pace with your changing lifestyle situation? For instance...

• How long could your family live on the money provided by your current life insurance?"


• Have you protected your spouse's economic contribution to the family?"


• How would your mortgage payments be met if you lost one of your incomes?"


• Is your mortgage life insurance the kind that pays the bank or mortgage company if you die, or your family, so they have options?"


• How do you feel about college education for your children?"


• What plans do you have for retirement?"


• Are you happy with what you've been able to save to pay college costs, and to be sure you're financially secure when you retire?"


• Have you coordinated your assets to assure their orderly transfer to your heirs at your death?"

If the answer to any of these questions is "No!" "I don't know!" or something similar, then the prospect should consider protecting his or her lifestyle.