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How the Weather and Life Insurance are Similar

Written by Aaron Pinkston, Fri, Dec 11 2009

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Everyday, we wake up and watch the weather and drink coffee (or Mountain Dew if you’re my wife). When we meet a stranger, it seems we can always strike up a conversation about the weather.

It’s the thing that affects us all. It’s part of our shared reality. And it seems like we get affected by it more, the more it drags on.

Have you ever noticed that everybody wishes for rain in the middle of a drought? Or after a few days of rain, people complain about the “frog strangler” storm coming tomorrow?

Sure, we should learn to be thankful for the weather that we have every day. But the weather we want today depends on the current situation.

Your Perspective Matters

Life insurance is the same way. What you want depends on where you are in life. After all, life insurance is just a tool to help the people around you live the life you want, whether you’re physically there or not.

A lot of life insurance advisors and television personalities pretend to know what is best for you. We could all make generalities in our own profession (especially if we were on TV), but there would always be exceptions to the rule.

Some life insurance quote sites go so far as to only give you quotes for particular types of life insurance, despite what you want or your financial situation. The fact of the matter is, sometimes insurance agents can customize a better solution with a different types of insurance. There’s more than one way to skin a cat.

Why Asking Is Important

At Clarifinancial, instead of telling you what you need, we ask. We figure you know you better than we do.

Asking lets agents create solutions for you without being tied to a particular set of tools. Even in this day and age of power tools, sometimes a coping saw is the best tool for the job. If you needed life insurance coverage for at least 14 years, I could think of at least four different ways to get that to you that would work. And I don’t even know everything about life insurance – nobody does.

Asking puts the focus back where it should be – on you – instead of on some inflated talking head. By asking what’s important, Clarifinancial lets you tell all the agents who use Clarifinancial what is important to you, without learning insurance jargon. You shouldn’t have to learn the difference between guaranteed convertible and renewable term and modified whole life. But your choice will be pretty obvious to any agent once you answer some basic questions because they know they are in competition for your business.

Asking Leads to Customization

Asking questions isn’t just about being polite. Asking questions is more useful than not asking. Try to learn a new language without asking. It’s hard.

Whether you are tired of being told what to do by people who don’t know you, still don’t understand all that insurance jargon, or already know exactly what you want, try Clarifinancial. It costs nothing to shop for insurance and it’s hassle-free.

We made Clarifinancial for you by asking questions. Besides, I’m willing to guess you will be pleased at how easy choosing is when choices are clear.