every person is different and if the proper FA is consulted—they will perform a needs analysis—for example nobody has even asked the client what his pre-existing conditions are—most health plans dont even cover pre-existing conditions—so they recommend a plan that keeps paying—he gets admitted for something related to his pre-existing conditions and the insurance companies refuses to pay—so all the premiums are wasted.I am not talking about an agent—i am talking about a proper financial adviser or sometimes referred to as insurance broker In thailand.