People hear free consultation and brace for a pitch. Fair reaction, given how many free consultations are just a sales appointment wearing a nicer name. So let me tell you what a needs analysis actually is on my end, and what it isn't.
It starts with your situation, not a product. Income, expenses, debt, what you're already paying for in insurance and where it goes, what you're trying to protect, and what you want money to do for you in ten and thirty years. Most of the first conversation is me asking questions and you talking. If I'm doing it right, you learn something about your own money whether or not you ever buy anything.
Here's what it isn't. It isn't a promise that a policy is the answer. Sometimes the honest read is that your cash flow needs work first, and what you'll hear from me is to go fix that leak before we talk about building anything. Sometimes term coverage is all you need and I'll say so. A needs analysis that can only ever end in one recommendation isn't an analysis, it's a script.
What should you walk away with? A clearer picture of where your dollars are going, which risks actually need insuring, and whether a permanent policy fits your situation or not. No pressure to decide on the call. This asset rewards people who understand it, and nobody understands something they got rushed into.
A word of caution, and it's the one I open with: I'm a licensed insurance broker, not a CPA, attorney, or registered advisor, so anything specific to your taxes or estate is a conversation for those professionals. If you want to understand the ideas before you ever book a call, start with the Learning Center, or the deeper education at Lifetime LOC.