Hello {first_name},

When talking with clients about life insurance I use a basic needs analysis called the DIME analysis.  It is also a way for you to self-evaluate your situation and make sure you are prepared.

Debt:  Credit cards, consumer/auto loans and investment liabilities.  (Do not include Mortgage)
Income Replacement: How many years are needed to maintain lifestyle multiplied by your income.
Mortgage: What is your current mortgage balance?
Expenses: Final expenses, immediate cash, educational costs, long term/child care and charitable donations

Do the calculations and that is your estimated life insurance needs.   Does your current life insurance policy add up?

But, I don't know when I'm going to die.  How can I effectively do this analysis?  The truth is we don't.    If we did, I would tell you to call me the month before so we can get you set up and make sure your family is taken care of.  However, wouldn't you rather have too much than not enough?

Please schedule an appointment on my calendar and let me know how I can take care of your loved ones..

Respectfully,

-Andy
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