09/11/2026
When people say, “Insurance is a scam,” it’s usually not because insurance is a scam. It’s because they had the wrong type of insurance, the wrong solution, at the wrong time—or sometimes for the wrong reason.
So often, people realize they need Life Insurance too late.
Most people who come to me needing Life Insurance for tax planning, business succession, inheritance, estate taxes/fees, etc. are between 55 and 75 years old. At that point, Life Insurance is much more expensive—and sometimes, you may not even be able to get it.
Building a base plan in your 20s or 30s doesn’t mean you’re “locked in for life.” It simply means you’ve put a plan in place that can grow and adapt with you—while potentially creating significant value for you and your family.
DON’T WAIT until it’s too late. Have the conversation today and find an insurance plan that makes sense for you.
And the next time you hear someone say, “Insurance is a scam,” you can respond:
“Actually, it’s not. You should talk to Jim Clement Wealth Management.” 😉