Most people meet insurance as a product first: a premium, a brochure, a comparison chart. The better sequence is quieter. What must not break if income stops? Who depends on you, and for how long? What is already in place?
Once those answers are on paper, life and health cover become tools instead of purchases. You can see overlaps, gaps, and what can wait.
Three questions that change the conversation
- What monthly amount would keep the household steady for the next five to ten years?
- Which medical costs would force you to sell investments?
- What existing policies already do this job — even partly?
A FIN PILOT advisor starts there. The product comes after the plan, not before it.