Every client needs insurance. The security of feeling protected or protecting the ones you love is immeasurable. Whether you are protecting the inheritance tax bill on an estate or yourself in case you fall ill and can't work or even worse - then you need to be insured.
Imagine if you died tomorrow? Who pays the bills? How much inheritance tax is due? A potentially tax free lump sum that is immediately available would certainly help!
Imagine being told you have a critical illness? A tax free lump sum would come at exactly the right time removing one of your stresses!
Imagine not being able to work again. Who pays the bills? Would an income until retirement age bring the family security?
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Investment returns are not guaranteed and can go down as well as up.