Good points and I do agree with  you.  For the case in question it was a schoolteacher who was divorced with two kids so any money saved was a boost to her.  You couldn’t be more right about the financially naive part.  Although I don’t have a ton of teachers as clients they seem to be very susceptible to this as Primerica seems to have penetrated school districts pretty well in Southern California.  Not sure if that is the case in your area but from other reps I have talked to that is accurate for my area.

[quote=anonymous]B)Saving money for someone on their term insurance is
a positive.  I do it all of the time.  However, in the
typical case, you’ll save them a few bucks.  Big stinkin’
deal.  You’ve done more for yourself by earning the commission
than you’ve done for your client.  Let’s try to make a tangible
difference in the lives of our clients.[/quote]



Saving people money on thier insurance could make a fair bit of difference to people.



I’m going to agree that one important thing you can do is switch some
of the insurance to permanent insurance. Once you lose insurabilty you
don’t get it back.



For example I know a person who got life insurance about 6 months
before marriage. About two years after the marriage (after two kids
were born), he was diagnosed with leukemia.



Thanks to his wise purchase, the college education for the kids is mostly taken care of.

 "Saving people money on thier insurance could make a fair bit of difference to people." 

That's true, but if saving someone $20/month on their insurance makes a fair bit of difference to that person, they are obviously not a good investment client.