Product and Carrier Selection

In the life insurance industry, knowledge of products is not enough—you must know how to match the right product to the right client. That’s where real trust is built and results are delivered. In this section, we go beyond technical features to focus on practical application: how to confidently select the most suitable insurance product and carrier based on your client’s specific goals, risk tolerance, and financial profile.

You’ll learn how to evaluate and compare Term, Whole Life, Universal Life, and Indexed Universal Life through the lens of customer avatars—realistic financial profiles that represent the diverse markets you serve. You’ll also explore key products from leading carriers that are known for performance, flexibility, and suitability.

This isn’t theory—it’s a practical, step-by-step process designed to help you implement immediately. By the end, you’ll be prepared to make client-specific recommendations that build long-term trust and increase your closing confidence.

What You’ll Learn:

• Understand the Core Differences between Term, Whole Life, Universal Life, and IUL policies.

• Use Avatars to Guide Suitability, matching products to real-world needs and financial objectives.

• Compare Carriers Strategically, identifying which products fit best across different client profiles.

• Build Client Trust Through Precision, using your product knowledge to offer solutions with clarity and integrity.

• Take Confident Action with a repeatable strategy you can apply to every case moving forward.