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Advisors push life and disability coverage talks for younger clients
The piece highlights concerns that some buyers end up underinsured when they avoid the conversation, and it notes disability risk during working years.
Life insurance guidance for younger clients is getting more attention in planning meetings, with Yahoo Finance arguing that the case for coverage depends on understanding the specific type of protection being purchased.
The article says some advisors view life insurance as a core part of their process, but it emphasizes that policyholders should know exactly what they are buying and why, rather than choosing based on who sells it.
It also warns that relying on commission-based insurance agents can tilt recommendations toward more expensive and complex policies, and it cites the idea that term life for healthier clients under 50 is often more affordable.
Beyond life coverage, the article points to disability as another key consideration, quoting a planner who says younger clients are statistically more likely to become disabled during working years than to die prematurely, and it links the advice to the value of longer-term disability protection.