A prospect should have a specific retirement savings goal in mind, and be willing to save towards that goal.
Must have a stable income and be able to afford the monthly premiums and other associated costs of a Life Insurance Retirement Plan.
Must have an emergency fund in place: This means you should have at least three to six months of living expenses saved up, to cover unexpected expenses or emergencies
Approximately how much is in each account?
How much do you owe in each category?