pillars-of-financial-planningHave you talked to your clients about life insurance, disability insurance and long-term care insurance? If you don’t discuss these three pillars of financial planning soon, the competition might get there first – and we’re not just talking about other agents and robo-advisors. Competition can turn up in a lot of places. In fact, some of the strongest competition comes from three sources so obvious you might forget about them: death, disability and old age.


Death is both certain and uncertain. We know that it will happen, but we don’t know when. Faced with this uncertainty, we should not put off taking steps to make sure that our loved ones are taken care of.

Talk to your clients about life insurance – before death makes its own plans.


Unlike death, disability is not a certainty. Maybe this is why so many people assume it won’t happen to them. Unfortunately, this assumption is based on wishful thinking, not reality. Data from the Social Security Administration shows that one in four of today’s 20-year-olds will become disabled before reaching retirement age.

With odds like that, the need for disability insurance is clear. Help your clients get coverage – before they experience a disability.

Old Age

Retirement can be a great time to travel, take up new hobbies or simply relax. It can also be a time when health conditions make daily life difficult. Long-term care is very expensive, so long-term care insurance is important. Help your clients get coverage – before they need long-term care.

Time can slip away. Talk to your clients about the three pillars of financial planning: life insurance, disability insurance and long-term care insurance.

Otherwise, the insurance policies they plan to get someday could become the valuable protection they wish they’d gotten when they had the chance.

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