๐ฉ 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
โ๏ธ kelvin.klei@pbandfitness.com
โ ๏ธ Top 5 Red Flags to Watch For (At a Glance)
- โ Advisor only sells from one company
- โ Doesnโt ask about income, goals, or tax strategy
- โ Uses fear or pressure tactics
- โ You donโt understand your policy
- โ No policy review in 12+ months
๐ก Why This Guide Exists
Most people donโt know what great life insurance advice actually looks like โ until itโs 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.
โ How to Use This Guide
Each red flag has a checkbox:
- [ ] Iโve experienced this
- [ ] Not sure
- [ ] Doesnโt apply
If you check 3 or more… it may be time for a second opinion.
๐ 18 Life Strategist Red Flags
1. They Only Talk About the Product
๐ง Why it matters: It may benefit them more than you
โ๏ธ Look for: Strategy-first planning, not product pushing
2. They Push One Company
๐ง Why it matters: You might miss better solutions
โ๏ธ Look for: Access to multiple carriers
3. They Rush the Process
๐ง Why it matters: Details get overlooked
โ๏ธ Look for: Education, not urgency
4. They Canโt Explain It Clearly
๐ง Why it matters: Confusion = mistrust
โ๏ธ Look for: Simple language, real-world clarity
5. They Avoid Talking About Fees or Commissions
๐ง Why it matters: You deserve transparency
โ๏ธ Look for: Advisors who explain how theyโre paid
6. They Use Fear to Sell
๐ง Why it matters: Fear-based decisions lead to regret
โ๏ธ Look for: Calm, fact-based education
7. They Donโt Ask About Your Goals
๐ง Why it matters: Products must align with your values
โ๏ธ Look for: Conversations about income, taxes, and goals
8. They Downplay Risks or Limitations
๐ง Why it matters: You need the full picture
โ๏ธ Look for: Advisors who discuss pros and cons
9. They Donโt Offer Ongoing Support
๐ง Why it matters: Your needs change over time
โ๏ธ Look for: Annual reviews and adjustments
10. You Just Donโt Feel Right About It
๐ง Why it matters: Trust your gut
โ๏ธ Look for: Comfort, transparency, and clarity
11. They Ignore Cash Value Strategy
๐ง Why it matters: Missed opportunity to grow or access cash
โ๏ธ Look for: Advisors who help you use your policy
12. They Never Mention Policy Reviews
๐ง Why it matters: Coverage can go stale
โ๏ธ Look for: Regular check-ins and strategy updates
13. They Donโt Customize by Life Stage
๐ง Why it matters: One-size-fits-none
โ๏ธ Look for: Tailored advice based on where you are now
14. They Donโt Coordinate With Other Advisors
๐ง Why it matters: Lack of integration = gaps
โ๏ธ Look for: Willingness to work with your CPA or planner
15. They Overpromise Returns
๐ง Why it matters: Nothing is guaranteed
โ๏ธ Look for: Realistic, fact-based projections
16. They Donโt Educate You
๐ง Why it matters: You deserve to feel smarter after each convo
โ๏ธ Look for: Advisors who simplify the complex
17. They Only Focus on Death Benefit
๐ง Why it matters: Modern plans offer living benefits too
โ๏ธ Look for: Income, illness protection, tax strategy
18. They Never Update You on New Options
๐ง Why it matters: You may be stuck in an outdated plan
โ๏ธ Look for: Awareness of industry changes and upgrades
๐ง Score Yourself
How many red flags apply to you?
- โ 0โ3: Youโre likely in great shape
- โ ๏ธ 4โ8: Might be time for a second opinion
- ๐จ 9+: You need clarity โ fast
DM โScorecardโ to @kelvinlei_pbandfitness for a private review.
๐ If You Checked 3 or Moreโฆ Hereโs What To Do
- Screenshot the red flags that stood out
- DM or email your score for a second opinion
- Get the clarity you deserve โ no pressure
๐ Letโs Talk Strategy โ Not Just Policy
Free policy reviews with no pressure. Just real answers.
- IG: @kelvinlei_pbandfitness
- โ๏ธ kelvin.klei@pbandfitness.com
- โ๏ธ (650) 441-5905Powered by PB & Fitness
