🚩 18 Mistakes Smart Professionals Avoid when picking the right Life Strategist
When Picking a Life Insurance Advisor
A Self-Audit Guide for Ambitious Millennials & Gen Z
Curated by Kelvin Lei | Life Insurance Strategist
✉️ kelvin.klei@pbandfitness.com
⚠️ Top 5 Red Flags to Watch For (At a Glance)
- ❌ Advisor only sells from one company
- ❌ Doesn’t ask about income, goals, or tax strategy
- ❌ Uses fear or pressure tactics
- ❌ You don’t understand your policy
- ❌ No policy review in 12+ months
💡 Why This Guide Exists
Most people don’t know what great life insurance advice actually looks like — until it’s too late.
This guide helps you:
- Spot common mistakes
- Reflect on your current experience
- Know what to expect from a true pro
Use it as a self-audit or to get a second opinion.
✅ How to Use This Guide
Each red flag has a checkbox:
- [ ] I’ve experienced this
- [ ] Not sure
- [ ] Doesn’t apply
If you check 3 or more… it may be time for a second opinion.
🔍 18 Life Strategist Red Flags
1. They Only Talk About the Product
🧠 Why it matters: It may benefit them more than you
✔️ Look for: Strategy-first planning, not product pushing
2. They Push One Company
🧠 Why it matters: You might miss better solutions
✔️ Look for: Access to multiple carriers
3. They Rush the Process
🧠 Why it matters: Details get overlooked
✔️ Look for: Education, not urgency
4. They Can’t Explain It Clearly
🧠 Why it matters: Confusion = mistrust
✔️ Look for: Simple language, real-world clarity
5. They Avoid Talking About Fees or Commissions
🧠 Why it matters: You deserve transparency
✔️ Look for: Advisors who explain how they’re paid
6. They Use Fear to Sell
🧠 Why it matters: Fear-based decisions lead to regret
✔️ Look for: Calm, fact-based education
7. They Don’t Ask About Your Goals
🧠 Why it matters: Products must align with your values
✔️ Look for: Conversations about income, taxes, and goals
8. They Downplay Risks or Limitations
🧠 Why it matters: You need the full picture
✔️ Look for: Advisors who discuss pros and cons
9. They Don’t Offer Ongoing Support
🧠 Why it matters: Your needs change over time
✔️ Look for: Annual reviews and adjustments
10. You Just Don’t Feel Right About It
🧠 Why it matters: Trust your gut
✔️ Look for: Comfort, transparency, and clarity
11. They Ignore Cash Value Strategy
🧠 Why it matters: Missed opportunity to grow or access cash
✔️ Look for: Advisors who help you use your policy
12. They Never Mention Policy Reviews
🧠 Why it matters: Coverage can go stale
✔️ Look for: Regular check-ins and strategy updates
13. They Don’t Customize by Life Stage
🧠 Why it matters: One-size-fits-none
✔️ Look for: Tailored advice based on where you are now
14. They Don’t Coordinate With Other Advisors
🧠 Why it matters: Lack of integration = gaps
✔️ Look for: Willingness to work with your CPA or planner
15. They Overpromise Returns
🧠 Why it matters: Nothing is guaranteed
✔️ Look for: Realistic, fact-based projections
16. They Don’t Educate You
🧠 Why it matters: You deserve to feel smarter after each convo
✔️ Look for: Advisors who simplify the complex
17. They Only Focus on Death Benefit
🧠 Why it matters: Modern plans offer living benefits too
✔️ Look for: Income, illness protection, tax strategy
18. They Never Update You on New Options
🧠 Why it matters: You may be stuck in an outdated plan
✔️ Look for: Awareness of industry changes and upgrades
🧠 Score Yourself
How many red flags apply to you?
- ✅ 0–3: You’re likely in great shape
- ⚠️ 4–8: Might be time for a second opinion
- 🚨 9+: You need clarity — fast
DM “Scorecard” to @kelvinlei_pbandfitness for a private review.
🔁 If You Checked 3 or More… Here’s What To Do
- Screenshot the red flags that stood out
- DM or email your score for a second opinion
- Get the clarity you deserve — no pressure
📞 Let’s Talk Strategy — Not Just Policy
Free policy reviews with no pressure. Just real answers.
- IG: @kelvinlei_pbandfitness
- ✉️ kelvin.klei@pbandfitness.com
- ☎️ (650) 441-5905Powered by PB & Fitness
