At Wise Financial Group Inc. we find that each case is unique as circumstances differ for each individual and the medical history of all is case sensitive. Without question there is only so much in the budget to go towards insurance and this is a major issue in addressing the needs fully. This means that there are times when we cannot afford the best product for a specific requirement and one should not commit greatly to any one type of insurance as this leaves some priorities left uncovered. Work with an advisor that takes the time to at least address the big picture and note advisors have an obligation of doing this.