Why a Lifestyle and Risk Analysis is critical

  1. Most clients have never undergone a comprehensive analysis.
  2. Client’s needs and availability of coverage change over time. Without a regular, comprehensive review, coverage gaps develop.
  3. Clients think “I have Chubb, AIG, PURE; I have the best coverage available.” A standard policy from any of these companies generally will not properly protect a sophisticated client’s needs.
  4. Since most clients have never had such a review, it proves your firm embraces a comprehensive concern for their financial well-being without someone selling coverage.


Brian P. Boak, CPRIA, CLU, LUTCF
Fee-Only Insurance Fiduciary, P&C