--- title: 10 Reasons You Should Sell Permanent Life Insurance (Video) description: Here are 10 compelling reasons to sell permanent life insurance to your clients and prospects who are over 65. Learn them and start selling! image: https://blog.lwtagency.com/hubfs/Screen%20Shot%202020-09-23%20at%2012.02.20%20PM.png --- [Skip to content](https://blog.lwtagency.com/sell-permanent-life-insurance#main-content) [![LWT Agency](https://blog.lwtagency.com/hubfs/lwt-logo-1.png)](https://lwtagency.com) # LWT Agency Since 1927 - [About](https://lwtagency.com/team) - [Services](https://lwtagency.com/services) - [Resources](https://lwtagency.com/resources) - [Get A Quote](https://lwtagency.com/get-a-quote) - [Contact](https://lwtagency.com/contact) - [Producer Insights](https://blog.lwtagency.com) This is a search field with an auto-suggest feature attached. - There are no suggestions because the search field is empty. # Here Are 10 Reasons You Should Sell Permanent Life Insurance (Video) [LWT Agency](https://blog.lwtagency.com/author/lwt-agency) Oct 27, 2020, 12:00:00 AM No quod sanctus instructior ius, et intellegam interesset duo. Vix cu nibh gubergren dissentias. His velit veniam habemus ne. No doctus neglegentur vituperatoribus est, qui ad ipsum oratio. Ei duo dicant facilisi, qui at harum democritum consetetur. ![Two men and a woman looking at documents](https://blog.lwtagency.com/hubfs/Screen%20Shot%202020-09-23%20at%2012.02.20%20PM.png) [Term life insurance](https://blog.lwtagency.com/life-insurance-sales-tips-term) may be a good choice for some of your clients, but there are quite a few reasons to sell permanent life insurance to people who are over age 65. [Watch the video](https://www.youtube.com/watch?v=ZzccCkIsE14) to find out all the reasons you should sell permanent life insurance, as well as an explanation of why each one is important. Keep reading below for a summary of the 10 reasons you should sell permanent life insurance.   ## VIDEO SUMMARY ## 10 Reasons You Should Sell Permanent Life Insurance Here’s a countdown of 10 reasons to [sell permanent life](https://www.iii.org/article/what-are-different-types-permanent-life-insurance-policies) to your 65+ prospects and clients. 1. **A well-designed permanent life insurance policy is “good” property. **   1. **Permanent life insurance can help older clients permit themselves to spend down principal at older ages while still providing for a surviving spouse**.   1. **People buy term life insurance to protect themselves during their child-rearing years. People buy permanent life insurance to protect a devoted spouse.** 1. **Desire to leave some assets to children or grandchildren.** 1. **Effects of taxation: property tax and income tax on IRA or pension distributions. Due to lifestyle, many people find themselves paying substantial taxes during retirement years.** 1. **Increased premiums for Medicare, especially if reduced by income.** 1. **Self-insured long-term care costs. People prefer to stay in their homes. A life insurance contract can include a long-term care or chronic illness rider.** 1. **Uncovered medical costs: RX drugs, dental costs, etc.** 1. **Inflation and longevity can diminish standard of living.** 1. **Social security reduction at first death. Two payments reduced to one.** Want to know more about selling permanent life insurance to your clients and potential clients?  Get in touch today and let’s talk about how a General Agency like Leisure Werden & Terry can help you reach your goals.   [![New call-to-action](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/1853399/9e5fdfff-fa75-4958-96f3-9073a4aae9cf.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/1853399/9e5fdfff-fa75-4958-96f3-9073a4aae9cf) [permanent life insurance](https://blog.lwtagency.com/topic/permanent-life-insurance) ## Related Posts ### [Oct 13, 2020, 12:00:00 AM Why You Should Use Video Marketing in Your Life Insurance Sales](https://blog.lwtagency.com/why-video-marketing-life-insurance-sales) ### [Oct 6, 2020, 7:00:00 AM Selling Life Insurance: How to Talk to Clients With Health Issues](https://blog.lwtagency.com/selling-life-to-clients-with-health-issues) ### [Apr 15, 2021, 12:00:00 AM How Selling Annuities Can Help You AND Your Life Insurance Clients](https://blog.lwtagency.com/how-selling-annuity-help-clients) ![LWT Agency](https://blog.lwtagency.com/hs-fs/hubfs/tellus-campaigns/LWT-Color-Print-new2.jpg?width=215&height=112&name=LWT-Color-Print-new2.jpg) Securities offered through Simplicity Group, Inc. Member [FINRA](http://www.finra.org/)/[SIPC](http://www.sipc.org/) 475 Springfield Avenue Summit, New Jersey 07901 Leisure Werden & Terry Agency is not affiliated with The Leaders Group, Inc. [![broker-check-30px](https://blog.lwtagency.com/hs-fs/hubfs/broker-check-30px.webp?width=112&height=30&name=broker-check-30px.webp)](https://brokercheck.finra.org/) ![Newsletter Sign Up](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/1853399/interactive-270698657507.png) - LWT Agency - [Services](https://lwtagency.com/services) - [Forms & Applications](https://lwtagency.com/forms-applications) - [Life Insurance Producer Resources](https://lwtagency.com/resources) - [Team](https://lwtagency.com/team) - [Producer Insights](https://blog.lwtagency.com) - [Contact](https://lwtagency.com/contact) - [Get A Quote](https://lwtagency.com/get-a-quote) - [Privacy Policy](https://lwtagency.com/privacy-policy) © 2026 Leisure, Werden and Terry Agency. All rights reserved.