Life, disability and critical illness insurance are often sold for the financial benefits at death, disability or critical illness. The key to sales is making clients understand that they don't have to die to win and that they can use these products to potentially supplement their retirement. Collins explains how to make this clear by showing the life cycle of a policy, and explaining line-of-credit and return-of-premium benefits. Leave this session with the knowledge of how to show the client the full benefit of insurance products beyond health disasters and death, and how to structure your insurance products to make sure you create a strategy from insurance into retirement.