When I sit down with younger clients, especially those thinking globally about their financial future, I always emphasize—start by truly understanding your protection needs. Life insurance has become a central part of many planning conversations, but it’s not about picking a policy first. It’s about clarity on what you actually need to protect. I’ve seen firsthand how commission-driven advice can push people toward complicated, expensive products, when sometimes a straightforward term policy is the right fit—especially for healthy individuals under 50. Skipping the insurance discussion altogether can leave families vulnerable, so my approach centers on planning first, then finding coverage that matches your real-life needs, often with the help of an independent broker. For younger clients, disability coverage is just as crucial as life insurance, since your working years actually carry a greater risk of disability than early death. Needs can look different for every household: if both partners are earning, coverage may not be as urgent, but for single-income families, making sure there’s enough in place for mortgage payoff and childcare is essential. My goal is always to help you make informed, tailored decisions—so your coverage truly fits your life.
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