Life events that trigger advice
What you'll be able to do
Life events reshape the plan — catch them, revisit suitability, and show up with the right advice at the right time.
- Life events (marriage, child, home, job change, inheritance, illness, retirement) reshape the plan.
- Each event is a trigger to revisit suitability and update KYC.
- They're the natural, non-pushy moments to add value.
The best advice is often triggered by a change in the client's life, not the market. Marriage, a new child, a home purchase, a job change or job loss, an inheritance, divorce, a serious illness, and retirement all reshape goals, risk capacity, and protection needs — and each is a moment when the plan must be revisited and the KYC updated.
These events are also the natural, non-pushy moments to add value. A new baby is exactly when a term-life and RESP conversation is welcome; a job change is the time to handle a group-pension or RRSP question; an inheritance calls for a thoughtful allocation rather than a rushed one. Anticipating and reaching out at these moments is service that doesn't feel like selling.
Build a simple system to catch them: ask at every review 'what's changed or is coming up?', and note expected events (a child starting university, an approaching retirement date) so you can reach out proactively. The rep who shows up at the right life moment becomes the trusted advisor, not just the person who sold a product once.
Key points
- Life events (marriage, child, home, job change, inheritance, illness, retirement) reshape the plan.
- Each event is a trigger to revisit suitability and update KYC.
- They're the natural, non-pushy moments to add value.
- Track expected events and reach out proactively.
Examples
Learning a client is expecting their first child, the rep proactively raises life insurance and an RESP — advice that lands as caring because the timing is genuinely right.
Pitfalls
- Missing life events because reviews don't ask 'what's changed?'
- Reaching out only to sell, rather than to help at a genuine moment of need.
Ask your sales coach
In a real Adept rollout this routes to your firm's compliance-approved Claude project; in the demo it opens a fresh Claude chat. Never share real client details.