How to buy insurance without getting harassed to invest? + what's the best and most straightforward insurance out there?

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Your frustration with insurance discussions turning into investment pitches resonates deeply with many professionals I work with. Recently, a technology executive approached me after going through three different advisors who kept pushing investment products when all she wanted was clear, effective protection. Today, she has exactly the coverage she needs, without any unnecessary complications.

Let me address this directly, drawing from my experience as a Certified Estate Planner and IBF Advanced (Level 2) professional:

The "Protection First" Principle:
The foundation of sound financial planning isn't complex investment products - it's having the right protection in place. When designing protection strategies for clients, we focus on four essential elements:

• Term Life Insurance
• Critical Illness Coverage
• Personal Accident Protection
• Hospitalization Coverage (Integrated Shield Plan)

Here's what many advisors don't emphasize:
1. Pure protection plans typically offer better coverage-to-premium ratios than investment-linked policies
2. Basic term insurance can provide 2-3x more coverage for the same premium as a whole life policy
3. Protection and investment decisions can and should be kept separate

My Approach to "Clean" Insurance:
1. Start with Integrated Shield Plans for hospitalization
2. Add term insurance for income protection
3. Include critical illness coverage based on family history and needs
4. Consider personal accident coverage based on occupation risks

A Real Client Example:
Recently helped a 32-year-old professional secure comprehensive coverage:

• $1 million term life
• $250k critical illness
• Enhanced integrated shield plan
  Total annual premium: Under $2,500

No investment products. No hard selling. Just protection aligned with life stage and needs.

The Key Principle:
Protection needs remain relatively stable, while investment goals evolve with life milestones. Keeping them separate gives you the flexibility to adjust your investment strategy without impacting your protection.

For weekly insights on navigating insurance decisions and other financial milestones without the sales pressure, follow me on Instagram @ngooooied. I share practical tips and real case studies to help professionals make informed decisions about their financial future.

Remember: You have every right to get exactly the protection you need, without the investment push. The right advisor will respect that.

Basically, you need to do your homework before you meet the FA. Plus, make yourself very clear that you don't want to buy investment policies to the FA. If the FA cannot respect your decision, change to another FA.

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Basic insurance policies to consider:

1. Hospitalisation/integrated shield plan
2. Critical illnesses.
3. Disability.
4. Accident.
5. Term life insurance.
6. Income protection.

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