27/06/2026
One of the hardest parts of my profession is this:
I often have the right conversation with clients years before the crisis arrives.
But when calm surrounds us, urgency disappears.
And procrastination quietly takes over.
Eventually the crisis comes — a war, a market shock, a regulatory change.
And suddenly the same client calls asking to put protections in place.
But by then the system has changed.
Right now, due to the war in the Middle East, reinsurers have stopped taking new life insurance risk from the region.
Which means many protections that existed yesterday are no longer available today.
This is why financial planning must always be done during calm periods.
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