“But thou shalt remember the LORD thy God: for it is he that giveth thee power to get wealth.”
· Deuteronomy 8:18, King James Version
Business Protection Review
Zoe Agency LLC · Licensed Agent Tool · v2
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Zoe Agency Business Protection Review v2
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Client—
Section 1 · Business Profile
Tell me about the business.
Start with the basics. Estimates are fine.
Agent: Structure, revenue, and years in business drive every product recommendation. Note any hesitation on revenue, it often signals cash flow anxiety worth exploring before moving on.
Business Structure
Years in Business
Annual Gross Revenue
Employees (including owner)
Section 2 · Owner Profile
Who depends on this business?
This shapes the personal protection layer and urgency.
Agent: Ask: “If you were not here tomorrow, what would happen to the people in your life who depend on this income?” Let them answer before moving forward. The emotional weight of that answer drives the protection conversation.
Owner Age Range
Dependents (select all)
Monthly Take-Home (Owner)
Section 3 · Health Screening
Let’s talk about health and insurability.
This determines which products are available and what underwriting path applies.
Agent: Never tell a client they are uninsurable without running the full impaired risk waterfall. Ask: “Have you ever been declined or rated by a life insurance carrier?” Then: “Are there any health conditions your doctor is currently managing?” Listen without judgment, there are more options than most clients expect.
Overall Health Status
Impaired Risk Path Activated. Standard whole life underwriting may not be available. The impaired risk protocol will be applied to identify the best available product. The recommendation will include alternative options in priority order.
Health Conditions Present (select all that apply)
Tobacco and Nicotine Use
Agent: Ask about all forms, cigarettes, cigars, chewing tobacco, vaping, nicotine patches, gum. Consider Foresters, which may offer non-smoker rates for vapers. Most carriers use a 12-month or 24-month tobacco-free window for preferred rates. Be specific.
Foresters Advantage: Foresters Financial may offer non-smoker rates for clients who vape only and do not use tobacco products. This is a significant premium advantage. Consider Foresters PlanRight for vaping clients who qualify.
Tobacco Rating Applied. Current tobacco users are rated as smokers by most carriers. Premiums are typically 2 to 3 times higher than non-smoker rates. Disclose this before any illustration is run.
Current Medications
Agent: Ask: “Are you currently taking any prescription medications?” List everything, name, dosage, and what it is prescribed for if they know. Underwriters use Medical Information Bureau and prescription drug databases. Omissions are discovered and can void a policy. Full disclosure protects the client.
Flagged Medications Detected
No flagged medications detected. Standard underwriting path remains open. Confirm with full underwriting review before submitting any application.
Previously Declined or Rated by a Carrier?
Section 4 · Existing Coverage
What is already in place?
Select all current policies and protection.
Agent: Ask to see the policy face page for anything they name. Note carrier, face amount, and whether it is term or permanent. Existing coverage tells you what layer to build next, not whether to build one.
Coverage Notes (optional)
Section 5 · Tax and Retirement
How is the business handling taxes and retirement?
This opens the income administration conversation.
Agent: Ask: “What percentage of what you made last year went to taxes?” Then: “When you picture retirement, what does that monthly income look like?” These two questions anchor the Layer 2 conversation without naming a product.
Federal Tax Paid Last Year
Monthly Retirement Income Target, Enter Exact Amount
Agent: Ask: “If you could retire tomorrow with no debt and no bills, what amount would you want deposited into your account every month to live the life you want?” Write down exactly what they say. This number drives the entire retirement income gap calculation, precision here matters.
$per month
Live Retirement Gap Calculation
Monthly target
—
minus Social Security estimate
– $1,800
Monthly income gap
—
Annual income gap
—
Lump sum needed at retirement (4% rule)
—
This is the amount that must be accumulated by retirement to generate the income gap amount for life using a 4 percent annual withdrawal rate. The Fixed Indexed Annuity income rider closes this gap. Social Security estimate uses $1,800 per month as a conservative baseline for a business owner with variable earnings history.
Target Retirement Age
Section 6 · Business Risk
What happens if the owner cannot work?
This identifies continuity, key person, and disability needs.
Agent: Ask directly: “If you could not work for 90 days starting tomorrow, what happens to revenue?” Then: “Is there anyone in this business whose loss would significantly impact your income?” Do not suggest answers, listen to what they say.
If the owner could not work for 90 days
Key People in the Business
Business Debt or Personal Guarantees
Exit or Succession Plan
Section 7 · Cash Flow
How does the business manage cash?
This surfaces the emergency reserve and policy loan conversation.
Agent: Ask: “If you had access to a line of credit where the interest you paid came back to you instead of a bank, would that change how you finance the business?” That is the policy loan concept without naming the product.
Business Emergency Reserve
Credit and Loan Usage
Cash Flow Pattern
Section 8 · Retirement and Income Strategy
What is the primary retirement and income goal?
This determines whether a Fixed Indexed Annuity or Guaranteed Universal Life is the right Layer 2 instrument.
Agent: Fixed Indexed Annuity is for income administration, converting capital into lifetime income. Guaranteed Universal Life is for permanent death benefit at lowest cost. Never cross them. Ask: “Is the primary goal to create income at retirement, or to make sure a specific death benefit exists at the lowest possible cost?” The answer determines the product.
Primary Retirement Goal
Fixed Indexed Annuity Path Selected. A Fixed Indexed Annuity with income rider will be the primary Layer 2 recommendation. Principal is protected from market loss within the contract terms. Best Interest suitability disclosure required before application.
Guaranteed Universal Life Path Selected. A Guaranteed Universal Life policy will be recommended for permanent death benefit at minimum cost. Note: Guaranteed Universal Life is not an accumulation vehicle. Premiums must be paid on time to maintain the guarantee. This will be disclosed on the report.
Dual Path Selected. The case will include both a Fixed Indexed Annuity for income administration (Layer 2) and a Guaranteed Universal Life or whole life for permanent death benefit (Layer 1). Budget sequencing will determine which is funded first.
Years Until Retirement
Section 9 · Goals and Budget
What matters most and what can they place toward protection?
Goals anchor the recommendation. Budget determines the sequence.
Agent: Never anchor the budget conversation first. Establish the gap and the goal before discussing premium. The question is not what the client can afford. It is what they cannot afford not to have.
Top Goals (select up to 3)
Monthly Protection Budget
AGENT NOTE
An annuity is a separate funding decision from monthly premiums. This is money the client commits to setting aside for retirement income, funds they cannot touch and do not plan to access for at least 3 to 7 years. Capture this number separately. It drives the FIA illustration.
This is separate from monthly premiums. Capture the amount or range the client is able to commit to a fixed indexed annuity for retirement income. This money will not be accessible for several years and must be funds they can live without during that period.
Fixed indexed annuities are not securities and are not subject to market loss within the terms of the contract. Products and features vary by carrier and state. Annuity illustrations must be carrier-generated before presenting to the client. Under current federal tax law. Individual results depend on personal circumstances. Consult a tax advisor.
Readiness to Protect
Who Is in the Decision?
Section 10 · Agent Notes
Final observations before generating the report.
Add anything not captured above. This shapes the AI narrative.
Agent: Note what surprised you, any concerns raised during the intake, direct quotes from the client, and your read on their urgency and motivation. The more specific your notes, the more personalized the report narrative will be.
Agent Observations and Notes
Client’s Biggest Concern (in their words)
ZA
Building the case design…
Analyzing the client profile against Zoe Agency’s full product framework, impaired risk protocols, and compliance requirements.
Reading client profile
Applying health screening
Running impaired risk protocol
Applying Fixed Indexed Annuity vs Guaranteed Universal Life decision logic
Calculating income replacement need
Calculating retirement income gap
Building product stack
Applying state compliance flags
Generating case narrative
Formatting report
Zoe Agency LLC Business Protection Review Report
Zoe Agency LLC
Licensed Financial Protection Agency
Agent:
Client:
State:
“But thou shalt remember the LORD thy God: for it is he that giveth thee power to get wealth.” · Deuteronomy 8:18, King James Version
Financial Snapshot
Impaired Risk, Alternative Product Options
Protection Gaps Identified
Case Analysis
Generating personalized case analysis…
The Two-Layer Protection Stack
Product Recommendations, Priority Order
State Compliance Requirements
Recommended Next Steps
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Zoe Agency LLC · Business Protection Review · Prepared by a Licensed Agent
This report is for educational and case design purposes only. It does not constitute a binding insurance or financial advice recommendation. All figures shown are estimates based on client-provided information and industry benchmarks. They are not a guarantee of any outcome. No coverage amount, rate, or return figure is final until a carrier-generated illustration is produced, reviewed, and signed by the client. Products and features vary by carrier and state. Fixed Indexed Annuity applications require a completed Best Interest suitability disclosure form prior to submission per National Association of Insurance Commissioners Model Regulation 275. Indexed Universal Life illustrations must comply with Actuarial Guideline 49-A effective April 1, 2026. All tax-related language is subject to current federal tax law and individual circumstances. Clients should consult a qualified tax advisor. Under current federal tax law and subject to policy requirements and IRS rules. Registered Index-Linked Annuity products require a securities license and are not addressed in this report. Speak with a licensed agent for details specific to your situation.