If you’re like many advisors, talking about insurance may not be your favorite part of the job. Clients don’t love it, either: Insurance is just not as inherently exciting as discussing how to grow their portfolios.

Meanwhile, purchasing decisions can seem numbingly complex. In spite of some standardization, policies are anything but comparable in what is covered, and they can be packed with exclusions and complex terms — not to mention differences in the financial stability of the insurance company.

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