John Ryan

I wish you didn't ask that question.

I wish you didn't ask that question.

Let's just keep it high level and say that they have a tendency to have more frequent claims and longer lasting.

Let's just keep it high level and say that they have a tendency to have more frequent claims and longer lasting.

Let's just keep it high level and say that they have a tendency to have more frequent claims and longer lasting.

Exactly.

Exactly.

Exactly.

Well, yeah, someone who doesn't. If they ask themselves the question, if something happens to my income, who does it impact negatively? And if the answer is I can lose my income, but still maintain my financial responsibilities and still support the financial plans that I've outlined with my advisor, and the plan doesn't come crashing down, then they probably don't need the insurance.

Well, yeah, someone who doesn't. If they ask themselves the question, if something happens to my income, who does it impact negatively? And if the answer is I can lose my income, but still maintain my financial responsibilities and still support the financial plans that I've outlined with my advisor, and the plan doesn't come crashing down, then they probably don't need the insurance.

Well, yeah, someone who doesn't. If they ask themselves the question, if something happens to my income, who does it impact negatively? And if the answer is I can lose my income, but still maintain my financial responsibilities and still support the financial plans that I've outlined with my advisor, and the plan doesn't come crashing down, then they probably don't need the insurance.

But to the extent If you crash test your financial plan and it looks like, well, you might be able to get away with three years, but then after that, things really start to fall apart. Then you're looking at the need for some level of coverage.

But to the extent If you crash test your financial plan and it looks like, well, you might be able to get away with three years, but then after that, things really start to fall apart. Then you're looking at the need for some level of coverage.

But to the extent If you crash test your financial plan and it looks like, well, you might be able to get away with three years, but then after that, things really start to fall apart. Then you're looking at the need for some level of coverage.

Right.

Right.

Right.

Well, thank you, Liz. And nice to connect with you again. Appreciate it.

Well, thank you, Liz. And nice to connect with you again. Appreciate it.

Well, thank you, Liz. And nice to connect with you again. Appreciate it.