More often than not, clients and policyholders say they already have life insurance covered through work. Americans hold at least eight jobs, on average, during their lifetime, and their work-provided term life insurance will most likely terminates when they leave. So it’s important to separate the employment insurance from personal insurance. One of the key benefits of owning a Whole Life insurance policy early in life is that premiums always remain the same – even as clients move into their golden years. Just as important, the death benefit is guaranteed for life. One of the best and most important questions to ask clients when discussing life insurance is “Do you want protection for your family for as long as you live, or for as long as they live?” If the answer is to protect both, then Whole Life insurance – or a combination of the two – will be their answer.