There are some good advisors out there and I don't need to work with everyone. In fact, we prefer to just work with the nice families!
Our focus is on Insurance and not Investments. This isn't very common in our industry but its an important distinction between us and the rest of the pack.
Insurance is about options., and you only need life insurance if you love someone or owe somebody. So at the end of the day, it's about what options you want if something unexpected happens.