One of the best tools I have in my business is the financial needs analysis (FNA).  This allows me to determine how much life insurance coverage a client needs to properly protect their family.  It analyzes their income, debt, assets, and much more to give a complete picture of what their family will need in the event of premature death.  Another great tool is our software to prepare quotes.  I can quickly and easily do quotes for clients based on different options and then easily begin the application process for their life insurance.  We have leading edge technology for submitting the life insurance application and, in some instances, the life insurance can be issued almost instantly.  These tools provide my clients peace of mind in knowing their loved ones will be provided for if the unthinkable happens.