Do you go to one source for all advice? Is there some oracle you go to for information on all things?
When speaking about life insurance, this no joking matter, especially when it comes to an issue that is literally about life and death.
How about another question: “Why would you consult anyone who is not professionally involved in the Life Insurance Industry?”
Therapists, attorneys, clergy members – these are all prominent people in highly qualified roles. These people are great and wise to speak to concerning their particular areas of expertise. You need professional advice in a specific and particular area of expertise, then talk to the most appropriate and qualified individual. Seek advice or help with the professional who is most laser-focused for your concern. Do not employ the wrong person for the wrong task, job or advice. It’s that simple … period!
However you do need to ask yourself the following: “How accountable are these people to the advice they are feeding me?”
The only thing that will matter when you are no longer there to handle things is the end result in the following question:
“Will your family be taken care of after you die?”
You must evaluate for yourself, who is best qualified to speak to you on whatever specific issue is of concern to you. When you are at a loss for answers, then this is the most critical time that you should seek advice from the most appropriate professional – this is the time when you seeking the correct advice should be placed on steroids! If you are the self reliant sort, making all decisions based on your own knowledge, research, feelings and intuition; then the responsibility still rests on your shoulders to educate yourself as much as possible regarding the given issue in mind.
The last thing you want in “life or death” is for the advice received to be of little or no benefit. To take the words of another as fact because you believed them or because they sounded like they knew what they were talking about, is not wise.
“What good is this situation to your spouse, children or siblings when you are dead?” Or, “What relief will they get from the decision you ultimately made?” You must make sure that the decision you settle on is based on superbly accurate information from a professional who specializes in that field; “an expert”. Do not obtain advice from a “someone” who is a know-it-all and clearly totally unqualified to give loving and caring advice to you on your family life insurance issues.
You would not ask your dentist about purchasing a new car except in a casual conversational capacity. Likewise, you would not ask your mechanic about the best way to whiten your teeth or straighten them. “Why would you ever turn to anyone for advice on life insurance other than an insurance expert?”
Raise yourself “up” to the highest level and standards – you deserve no less and certainly owe it to yourself and your family.
Information is the key issue here, not thoughts or feelings.
You must arm yourself with the most appropriate and accurate information to make the best decision for your beneficiary after you die.
The avenue your lawyer has followed concerning his personal family life insurance needs may not be what is best for you. Talking to your lawyer in this regard will elicit answers from your lawyer with the slant relevant to your lawyer’s personal family life insurance needs. This is not appropriate for your requirements so do not seek this conversation. It would be irrelevant and very dangerous advice!
Similarly, your neighbor does not qualify as an insurance consultant because he or she has a good job or a nice car. Do not seek life insurance advice from the wrong people. Do not seek life insurance advice from clever people specializing in different or alternate fields. Speak only to a person who has insurance accountability in the advice they dispense.
Remember to seek an Insurance Expert who has what it takes to navigate the documents, forms, questions and able to handle various situations that arise when searching out your insurance choice.