In my years guiding families and business owners through their financial journeys, one truth stands out: understanding your protection needs is the foundation of any sound insurance plan. When younger clients in our Global community start their planning, life insurance plays a vital role—but the conversation should always begin with what you and your loved ones truly need, not with a policy pitch. Far too often, I’ve seen commission-driven advice lead to expensive, complicated coverage that’s not always in your best interest. For most healthy clients under 50, simple and affordable term life policies provide the right level of security. Skipping these important discussions can leave families exposed, which is why I emphasize thoughtful planning and working with independent brokers who put your needs first.
For younger professionals, disability insurance is just as critical. The reality is, during your working years, the odds of facing a disability are higher than those of a premature passing. Every household is unique—dual-income families may need less coverage, but if you rely on a single income, consider how much would be needed for mortgage payments and childcare. My approach, shaped by a lifetime of leadership and service, is to guide you toward personalized, informed choices that protect your legacy and give your family peace of mind.
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