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Leo

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Click each planning priority to see the risk and the solution.

          
This gives families and business owners a clearer picture of what life insurance is actually protecting before the quote conversation starts.

        

      

      

        

          

            
Life Insurance Map

            
            
            
            
            
            
          

        

        

          

            
Funeral Costs

            

              
Risk Factor
Final expenses can arrive immediately and force loved ones to pay out of savings, use credit, or make rushed financial decisions while grieving.

              
Solution
Life insurance can create fast-access funds for funeral, burial, memorial, and related final expenses so the family is not forced into a cash crisis.

            

          

          

            
Spousal Support / Income Replacement

            

              
Risk Factor
If one income disappears, the surviving spouse may struggle to cover housing, utilities, childcare, taxes, and day-to-day living costs.

              
Solution
Income replacement coverage can help preserve the household budget and give a surviving spouse time to adjust without immediate financial pressure.

            

          

          

            
Providing for Your Family

            

              
Risk Factor
Children and dependents may lose support for housing, education, caregiving, and long-term stability if a parent or provider dies unexpectedly.

              
Solution
Life insurance helps create a dedicated pool of money for dependents so family goals and core needs can still be funded.

            

          

          

            
Protecting Your Small Business

            

              
Risk Factor
A business can lose revenue, lender confidence, or key relationships when an owner or essential partner dies without a continuity plan.

              
Solution
Life insurance can support buy-sell funding, debt protection, key-person planning, and operating stability during a major ownership loss.

            

          

          

            
Protecting Your Retirement Savings

            

              
Risk Factor
Without life coverage, surviving family members may need to liquidate retirement accounts early or disrupt long-term savings plans to replace income.

              
Solution
Proper coverage can help keep retirement assets intact by creating separate protection for survivor needs and major obligations.

            

          

          

            
Auto Payments

            

              
Risk Factor
Vehicle loans do not disappear with the borrower, and monthly car payments can become another strain on a surviving household budget.

              
Solution
Life insurance can help cover outstanding auto debt or preserve enough cash flow for the family to keep essential transportation in place.

            

          

        

      

    

      

    

      
Explore Our Recent Life Insurance Guides & Articles

    

    

              
              
              
              
              
              
          

    

  

    

      
    

            
        
        
                
        
        
        







    
    
    
        




(function(){
  var WEBHOOK = "https:\/\/bellandlyons.com\/wp-json\/bell-lyons\/v1\/lead-webhook";
  var EMAIL_ENDPOINT = "https:\/\/bellandlyons.com\/wp-json\/bell-lyons\/v1\/lead-notify-full";
  var ZAPIER_ACORD = "https://hooks.zapier.com/hooks/catch/27012159/uvqfadw/";
  var IS_COMMERCIAL = window.location.pathname.indexOf('commercial') >= 0;

  /* Fix 1: Set the missing data-webhook attribute */
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    if(!r.dataset.webhook) r.dataset.webhook = WEBHOOK;
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  /* Fix 2: Patch global postLead */
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            headers: { 'Content-Type': 'application/json' },
            body: JSON.stringify(payload)
          }).catch(function(){});
        } catch(e){}
      }
      return result;
    };
  }

  /* Fix 3: Track payloads from ALL lead-related fetch calls */
  var lastPayload = null;
  var origFetch = window.fetch;
  window.fetch = function(url, opts){
    if(typeof url === 'string' && opts && opts.method === 'POST'){
      // Catch WordPress lead-webhook calls
      if(url.indexOf('lead-webhook') !== -1){
        try {
          lastPayload = JSON.parse(opts.body);
          window.__blLastLeadPayload = lastPayload;
        } catch(e){}
      }
      // Catch Convex chatbot calls (necessary-curlew)
      if(url.indexOf('webhooks/lead') !== -1){
        try {
          var convexData = JSON.parse(opts.body);
          var contact = convexData.contact || {};
          var answers = convexData.answers || {};
          // Map Convex chatbot format to flat format
          var mapped = {
            business_name: answers.business_name || answers.company_name || contact.name || '',
            contact_name: contact.name || '',
            _contact_name: contact.name || '',
            contact_email: contact.email || '',
            _contact_email: contact.email || '',
            contact_phone: contact.phone || '',
            _contact_phone: contact.phone || '',
            address: answers.address || answers.business_address || '',
            coverage_needed: answers.coverage_needed || answers.insurance_type || convexData.insurance_type || '',
            entity_type: answers.entity_type || answers.business_type || '',
            nature_of_business: answers.nature_of_business || answers.industry || '',
            annual_revenue: answers.annual_revenue || answers.revenue || '',
            employees: answers.employees || answers.num_employees || '',
            years_in_business: answers.years_in_business || '',
            _raw_convex: convexData
          };
          lastPayload = mapped;
          window.__blLastLeadPayload = mapped;
          console.log('[BL-LEAD] Captured Convex chatbot data:', mapped.business_name);
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    return origFetch.apply(this, arguments);
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  /* Fix 4: Completion observer — also sends to Zapier for commercial */
  document.querySelectorAll('[data-assistant-root]').forEach(function(root){
    var log = root.querySelector('.assistant-log');
    if(!log) return;
    var finalSent = false;
    new MutationObserver(function(){
      if(finalSent) return;
      if(!root.querySelector('.bl-confirmation-wrap')) return;
      finalSent = true;

      if(lastPayload){
        var final = Object.assign({}, lastPayload, {
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          method: 'POST',
          headers: { 'Content-Type': 'application/json' },
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        if (!IS_COMMERCIAL && !emailSent) {
          emailSent = true;
          origFetch(EMAIL_ENDPOINT, {
            method: 'POST',
            headers: { 'Content-Type': 'application/json' },
            body: JSON.stringify(final)
          }).catch(function(){});
        }

        // For commercial page: send lead data + ACORD PDF links to Zapier
        if (IS_COMMERCIAL) {
          console.log('[BL-ACORD] Commercial lead completed — sending to Zapier');
          var lob = final.coverage_needed || '';
          var acordForms = ['125'];
          var lobLower = lob.toLowerCase();
          if (lobLower.indexOf('general') >= 0 || lobLower.indexOf('liability') >= 0) acordForms.push('126');
          if (lobLower.indexOf('worker') >= 0 || lobLower.indexOf('comp') >= 0) acordForms.push('130');
          if (lobLower.indexOf('auto') >= 0) acordForms.push('127');
          if (lobLower.indexOf('property') >= 0 || lobLower.indexOf('bop') >= 0) acordForms.push('140');

          var pdfBase = window.location.origin + '/wp-json/bell-lyons/v1/acord-pdf-proxy?form=';
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            business_name: final.business_name || '',
            contact_name: final.contact_name || final._contact_name || '',
            email: final.contact_email || final._contact_email || '',
            phone: final.contact_phone || final._contact_phone || '',
            address: final.address || '',
            lines_of_business: lob,
            entity_type: final.entity_type || '',
            annual_revenue: final.annual_revenue || '',
            employees: final.employees || '',
            subject: 'New ACORD Application — ' + (final.business_name || 'Commercial Lead'),
            pdf_url_1: pdfBase + acordForms[0],
            pdf_url_2: acordForms[1] ? pdfBase + acordForms[1] : '',
            pdf_url_3: acordForms[2] ? pdfBase + acordForms[2] : '',
            pdf_forms: acordForms.join(', '),
            num_forms: acordForms.length,
            timestamp: new Date().toISOString()
          };

          origFetch(ZAPIER_ACORD, {
            method: 'POST',
            headers: { 'Content-Type': 'application/json' },
            body: JSON.stringify(zapierPayload)
          }).then(function(r) {
            console.log('[BL-ACORD] Zapier response:', r.status);
          }).catch(function(e) {
            console.warn('[BL-ACORD] Zapier error:', e);
          });

          // Also trigger the ACORD form filler (snippet #21) via event
          window.dispatchEvent(new CustomEvent('bl-acord-trigger', { detail: final }));
        }
      }
    }).observe(log, { childList: true, subtree: true });
  });
})();













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