Education
Understand the decision before comparing quotes.
Resources
Critical illness insurance.
Critical illness coverage can be useful supplemental planning when clients want a lump-sum benefit for defined events.
Insuring Income guide
Position it clearly as supplemental planning rather than the primary physician income protection product.
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Lump-sum benefit education
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Family cash-flow planning
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Fit alongside disability and life coverage
Keep learning, or move when you are ready.
Use these paths to understand the decision, ask a focused question, or share the details needed for a real advisor review.
Share details
Capture the details needed for a real review when you are ready.
RickAI
Ask an insurance-specific question before involving the team.