One challenge is recognizing this might be the greatest time ever to recruit people, because 70% of employed individuals say they need a second income to make ends meet.
Haven Life's second annual Q4 survey highlights a large gap in knowledge surrounding life insurance and its role in building a financially secure household.
Aging has evolved, and there is no longer enough good information about the populations being insured, so every policy issued has more risk than it needs to.
A robust ecosystem of risk-reduction mechanisms can result in far better health outcomes while conservatively reducing total health spending by 25% or more.