David Lau
speaker
345 appearances
1 recordings
1 series
first heard Jun 2026
last heard 25 Jun
David Lau’s voice in public audio — every appearance, attributed to the second.
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recordings per month · last 12 monthsRecordings per month over the last 12 months — 1 in all, peaking in Jun 2026 with 1.
Appearances
Hey Ben, how you doing?
Well
How much time do we have?
So we I'm sort of high level here.
Yeah, so I mean, I think what the insurance industry does well is really create products that can deliver benefits that you can't get through investing, right?
Like annuities.
You know, annuities can deliver, you know, guaranteed lifetime income.
You simply can't do that through investment alone.
They also have basically unlimited tax deferral, so which is a great, you know, great benefit if you're going to, you know, use it.
They can provide downside protection, guaranteed downside protection, because that's what they do, they ensure things.
Um, so those three features I think are you know really important and valuable planning investing features.
The then if we want to get into what are some of the issues.
Іс, і царикли.
The products have been commission based.
So
They have not evolved like the rest of the financial services industry that has disaggregated advisor comp from the product cost, right?
So going from A shares to I shares in mutual funds.
You know, advisors now work on advice, you know, primarily work on advice fees from clients rather than transactional revenue from you know churning, generating trades, getting paid.
paid, you know, sales commissions for your particular products.
You know, so the insurance industry really hasn't kept up with that trend.
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