15/09/2026
Don't ask, "๐๐จ๐ฐ ๐ฆ๐ฎ๐๐ก ๐๐๐ง ๐ ๐๐๐๐จ๐ซ๐ ๐ญ๐จ ๐ฉ๐๐ฒ ๐๐จ๐ซ ๐ข๐ง๐ฌ๐ฎ๐ซ๐๐ง๐๐?โ
Ask "๐๐จ๐ฐ ๐ฆ๐ฎ๐๐ก ๐๐ข๐ง๐๐ง๐๐ข๐๐ฅ ๐ฉ๐ซ๐จ๐ญ๐๐๐ญ๐ข๐จ๐ง ๐ฐ๐จ๐ฎ๐ฅ๐ ๐ฆ๐ฒ ๐๐๐ฆ๐ข๐ฅ๐ฒ ๐ง๐๐๐ ๐ข๐ ๐ ๐ฐ๐๐ซ๐ ๐ง๐จ ๐ฅ๐จ๐ง๐ ๐๐ซ ๐ก๐๐ซ๐?โ
๐ก 7 ๐ป๐๐๐ ๐ธ๐๐๐๐๐๐๐๐ ๐ท๐๐๐๐
1. ๐ฑ๐
๐
๐
๐ท๐ธ๐ป๐ด ๐
๐พ๐
'๐
๐ด ๐ท๐ด๐ฐ๐ป๐
๐ท๐
Younger and healthier usually means lower premiums and easier underwriting. Donโt wait until you โneedโ insurance.
2.๐ธ๐ฝ๐
๐
๐
๐ด ๐
๐พ๐
๐
๐ธ๐ฝ๐ฒ๐พ๐ผ๐ด, ๐ฝ๐พ๐
๐น๐
๐
๐
๐
๐พ๐
๐
๐ป๐ธ๐ต๐ด.
Ask: โIf Iโm gone tomorrow, how much would my family need to continue living?โ Consider income replacement, debts, education, and daily expenses.
3.๐
๐
๐ฐ๐
๐
๐
๐ผ๐ฐ๐ป๐ป, ๐
๐ท๐ด๐ฝ ๐ธ๐ฝ๐ฒ๐
๐ด๐ฐ๐
๐ด ๐ฒ๐พ๐
๐ด๐
๐ฐ๐ถ๐ด
You don't have to wait until you can afford a huge policy. A manageable premium is better than having no protection.
4.๐
๐
๐ด ๐ธ๐ฝ๐
๐
๐
๐ฐ๐ฝ๐ฒ๐ด ๐ต๐พ๐
๐ฟ๐
๐พ๐
๐ด๐ฒ๐
๐ธ๐พ๐ฝโ๐ฝ๐พ๐
๐น๐
๐
๐
๐
๐ฐ๐
๐ธ๐ฝ๐ถ๐
.
Life insurance is primarily about transferring financial risk. Savings and investments can work alongside it.
5.๐
๐ด๐
๐ธ๐ด๐
๐
๐พ๐
๐
๐ฟ๐พ๐ป๐ธ๐ฒ๐
๐ฐ๐ต๐
๐ด๐
๐ผ๐ฐ๐น๐พ๐
๐ป๐ธ๐ต๐ด ๐ฒ๐ท๐ฐ๐ฝ๐ถ๐ด๐
.
Marriage, children, a new home, a business, or a significant income increase can all mean your coverage needs have changed.
6. ๐ฝ๐ฐ๐ผ๐ด ๐ฑ๐ด๐ฝ๐ด๐ต๐ธ๐ฒ๐ธ๐ฐ๐
๐ธ๐ด๐
๐ฒ๐ฐ๐
๐ด๐ต๐
๐ป๐ป๐
๐ฐ๐ฝ๐ณ ๐บ๐ด๐ด๐ฟ ๐
๐ท๐ด๐ผ ๐
๐ฟ๐ณ๐ฐ๐
๐ด๐ณ.Make sure your beneficiary information reflects your current wishes and circumstances.
7. ๐
๐ท๐ธ๐ฝ๐บ ๐พ๐ต ๐ธ๐ฝ๐
๐
๐
๐ฐ๐ฝ๐ฒ๐ด ๐ฐ๐
๐ฐ ๐ฟ๐
๐พ๐ผ๐ธ๐
๐ด ๐
๐พ ๐
๐พ๐
๐
๐ต๐
๐
๐
๐
๐ด ๐
๐ด๐ป๐ต. โค๏ธ Youโre not buying it because you expect something bad to happen. You're preparing so that if something does happen, your family doesn't have to carry the entire financial burden.
Your FA - CATHY