Most states require state certification, by virtue of passing a state licensing examination, in order to solicit these insurance products. Further, Advisors/Agents generally are required to meet Continuing Education requirements annually in order to maintain their license(s).
As unpleasant as it may seem to speak to your client about their ultimate death, it is a conversation that is quite necessary in the financial planning process. A client's family must be protected financially in the case of an untimely death. Advisors need to exercise prudent suitability standards when making recommendations to clients about the types or the amount of Life Insurance that is best suited for each particular client's situation.
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