Carlyle Fletcher CLU · Chartered Life Underwriter · MDRT Main Platform Speaker
Life Insurance Needs Analysis Training
Watch a complete, real-world needs analysis conversation from start to finish. Carlyle Fletcher CLU walks through the full fact-find, calculates the coverage gap and shows exactly how to present the case to a client, from first principles to the close.
Online Video Training · Volume 1
How Much Is Enough: A Complete Needs Analysis Demonstration
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Secure PayPal checkout · Instant access after payment
eBook edition: currently in review
Inside Volume 1
What You Will Learn from How Much Is Enough
A step-by-step walkthrough of the complete needs analysis conversation, from the income principle to the coverage gap calculation and the close.
Why Income Is the Foundation
The two sources of income, you at work and your dollars at work, and why every financial planning conversation must start here. A principle no client can argue with.
The Three Hazards Every Client Faces
Old age, disability and premature death and exactly how to present these in a way that is clear, honest and impossible to dismiss. The foundation of the needs case.
Conducting the Full Client Fact-Find
Watch a complete live fact-find: assets, liabilities, family obligations, income and existing cover. Learn the questions to ask and how to record the picture accurately.
Calculating the Needs and the Gap
How to quantify debts, income replacement, education funding, estate creation and last expenses into a total needs figure and present the coverage gap in a way that motivates action.
Presenting the Case and Closing
How to move from the gap calculation to the close naturally, using the client's own answers. The language, the logic and the question that opens the door to the solution.
First in a Growing Series
This volume on needs analysis is the first in the Carlyle Fletcher Global Academy series. Upcoming topics include interpreting financial statements, retirement planning and business insurance. See the four Academy learning pillars
Free Preview
A Glimpse Inside the Conversation
In the opening minutes, Carlyle sets out the single principle that underpins every insurance sale. Watch the free preview to see how it works.
“Income is the most important thing in our economic life. And income, as far as we know it, can come from only two sources: one is you at work, and the other is your dollars at work.”
This opening principle sets up the entire conversation that follows, a complete, live needs analysis demonstration in which Carlyle walks through a client fact-find, calculates a total need of over two million dollars against an existing cover of five hundred thousand, and presents the gap in a way the client cannot ignore.
Every step is shown in full. No theory. No shortcuts. Just the conversation, done right.
Authority & Recognition
Why Professionals Trust Carlyle Fletcher CLU
The needs analysis approach in this video is grounded in over four decades of frontline production and client work across the Caribbean.
Is This Video Right for You?
Who This Resource Is Designed For
Sales leaders, managers and growth-focused insurance professionals across the Caribbean and beyond.
- Financial advisors who want to master the needs analysis conversation from start to finish
- New agents looking for a clear, structured model they can follow with every client
- Experienced producers who want to sharpen how they present the coverage gap and close
- Loan officers who need to understand life insurance in the context of client financial planning
- Agency managers looking for a training resource to use with their sales teams
- Anyone who wants to understand whether their own insurance coverage is too much, too little or just enough
A Conversation Grounded in Forty Years of Practice
The needs analysis demonstration in this video is not a classroom exercise. It reflects how Carlyle Fletcher CLU actually conducted client conversations across four decades of frontline production at Guardian Life, Algico and Tatil Life.
Every question, every calculation and every closing line in the video is drawn from real client work. The result is a model that is both teachable and immediately usable in the field.
This is Volume 1 of the Carlyle Fletcher Global Academy series. Further volumes on financial statements, retirement planning and business insurance are in development and will be available in the online academy.
The companion eBook is in review. To be told when it is released, pre-register for Academy updates.
New to the business? Read: An Early Lesson from the Field: Insurance Prospecting Is a Numbers Game
Common Questions
Frequently Asked Questions
How do I access the video after I pay?
As soon as your payment is confirmed, you get instant lifetime access to the video through your account on carlylefletcher.life.
Which devices can I watch it on?
You can stream the video on desktop, mobile and tablet.
How do I pay?
Checkout is handled securely through PayPal. US$19.95 is a one-time payment, with no subscription.
How long is the video?
Volume 1 runs for 14 minutes, and your lifetime access means you can return to it whenever you need it.
Can my agency get an invoice?
Yes. Agencies can request an invoice through our contact page.
Invest in Your Growth
Learn the Conversation. Close the Gap.
For US$19.95 you get lifetime online access to the complete needs analysis demonstration by Carlyle Fletcher CLU. One payment. No subscription. Watch it on your schedule, as many times as you need.
How Much Is Enough · Volume 1
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