Get your free insurance assessment at Havend and $20 cashback https://kvli.link/havend 0:00 - Intro 0:30 - What is Havend? 5:33 - Why not just remove the commission altogether? 7:58 - What is Havend’s “institutionalized approach”? 13:53 - How many insurance companies does Havend represent? 14:58 - What does Havend think of whole life plan? 16:37 - What does Havend think of ILP? 19:42 - What about 101 ILP? 21:12 - What if I don’t want to invest myself? 22:02 - In what scenario does savings plan makes sense? 24:51 - Is disability insurance necessary? None of this is meant to be construed as investment advice. It's for entertainment purposes only. Links above include affiliate commission or referrals. I'm part of an affiliate network and I receive compensation from partnering websites....