Featured, Sales Concept, Resource

The Best Life Insurance Quotes, Analogies & Memes

Insurance Can Be Complicated

Let's face it people are confused by life insurance. Studies show roughly 9/10 people are confused by their insurance options, in fact, this common pain point for insurance advisors is why we started LDA in the first place, to help communicate the products available to your clients and have them see the value. However, sometimes we need to take it a step back before we even introduce a product and help people understand the different uses of Life Insurance and why it's important.

This got me thinking of some of the best sayings and analogies I have heard in my time in this industry (if you are reading this and have a great saying or analogy you would like to share send it to us! 


  1. Money Machine

  2. If you had a machine in the garage that printed money would you insure it from breakdown?

    money machine

    The Money Machine analogy is simple it makes people think about their human capital. I think a lot of us take for granted the largest asset we have is our ability to work and earn money. I also like this analogy as it works for many product lines (Life, Critical Illness or Disibility Insurance sales). Want to spin this analogy for key man insurance if you had a goose that laid golden eggs would you buy it X insurance? Well you have several geese that you might want to think of.

  3. Briefcase of Money

  4. My Stepfather told me this story of bringing in a $100 bill to a meeting when asked what he could do for the company he said I sell these for pennies on the dollar, and then asked if you could buy a $100 bill for $3 how many would you want to buy? This analogy is adapted from Ben Feldman (see quotes below) but it can be shaped for your prospect and their specific industry or interest. For example Larry was once selling insurance to a large family enterprise business, he said look you sell socks for $3 if you could buy those socks for $0.03 how many would you buy.... the prospect paused for a moment and responded, $45 Million Socks...

  5. Term vs Perm

  6. We have probably all used an analogy to describe the difference between term and permanent insurance, the most popular analogy is having our prospect think about it like renting vs owning a house (or car) the basis of the analogy goes like this, think about renting a home vs owning it. Renting has a lower cost and has a fixed term but you may experience a price jump at the next renewal, unlike owning a house if you move or sell you don't carry forward any equity (cash value) in the property. If your client are younger think about explaining it like Netflix vs owning the movie. If you cancel Netflix subscription you don't get to keep the shows you watched, similarly if they remove a show (the term is up) you no longer have access to the content, however if you buy the movie you could always sell it later if you wanted and there is no risk you someone will take your DVD after the "term" is up and you can watch that movie for your whole life.


    Here are some quotes and sayings that stand out and can help you enlighten your clients

    woodie quote


    Disability Insurance Needs Analysis

    This one comes courtesy of Keith Leech from a lunch & learn session I attended. It's a Disability Insurance needs analysis for a business owner and goes like this:


    We are big believers that a picture says 1000 words at LDA. Many of our visual presentations help clients understand their life insurance options but sometimes we need some pictures and diagrams that are more concept based, enjoy! cheaper insurance


    Critical Illness Stats Diagram

    Sometimes it takes striking a bit of fear or maybe just a dose reality because the fact is that with how long our life expectancy is currently the odds of being diagnosed with some kind of Critical health issue is alarmingly high. Check out our CI infographic. Want a version of this infographic you can brand with your own logo? Read our Blog on How to Sell More Critical Illness Insurance

    lda infographic

    If you think back to Lawrence Gellers quote about all we can do is help our clients realize it's their problem or Bens quote about having the same problem when I leave they both follow a common theme helping sell the problem not the solution. Lawrence also spoke to how to understand where a person(prospect) is in their learning by assessing their competency with the following methodology.

    competance Graphic

    If we relate these steps to insurance we might find the following mentalities that would help up assess how we should approach this sale/person.

    1. Unconscious Competence - I know I need insurance and what type I need to purchase. (Ideal Client)
    2. Conscious Competence - I know I need insurance but need to be triggered to buy it. (This client needs motivation)
    3. Conscious Incompetence - I know that I don't know, client may know they need insurance but decide not to make decision . (Who cares about my family, i'll be dead client)
    4. Unconscious Incompetence - I do not know and I don't know that I do not know - Client has no idea why they would need insurance and does not even realize they have an liability. (Education Opportunity)

    How About some Funny Life Insurance Memes

    Ok I know were talking about life insurance but that does not mean we can't have a bit of fun, if you get a laugh from these please feel free to share this article with with your office or on your social platform of choice.

    funny insurance meme 10

    funny insurance meme charlie day

    funny insurance meme stanley the office

    funny insurance meme5

    funny insurance meme4

    funny insurance meme3

    funny insurance meme2

    funny insurance meme99

    funny insurance meme99

    funny insurance meme99


    We need people to understand the basic need for life insurance so they can then make the best product decision and feel fully invested in the solution. We hope some of these quotes, diagrams and sayings can help you set the stage for your next LDA presentation and help you educate and protect your clients. This is core to our mission to help you save time, increase life insurance sales and help automate compliance. Subscribe to the newsletter below to get more great revenue-generating content!