A recent meeting with a new prospect reminded me that maturity has little to do with age.
He was just 21, had only recently started working, and was introduced to me by an existing client.
When we met, I expected our conversation to revolve around investing—because that is usually what excites young adults most.
Instead, his concern was much more fundamental:
“If I fall seriously ill or I’m no longer around, will my family have enough?”
That stayed with me.
At an age when many are naturally focused on building their own future, he was already thinking about protecting his family’s future. That is a level of responsibility that deserves recognition.
Investing is important. It helps us build the life we want.
But protection asks a different—and sometimes more uncomfortable—question:
What happens to the people we care about if life does not go according to plan?
Insurance should not simply be about accumulating policies or chasing the highest coverage figure. It should begin with understanding who depends on us, what financial responsibilities we may leave behind, and how much time our family would need to regain stability.
I am always grateful when clients introduce their friends to me, because these conversations often begin not with a product, but with genuine concern for someone they care about.
Perhaps the question is not merely, “Do I have insurance?”
A better question might be:
“If something happened to me tomorrow, would the people I love be financially okay?”
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