Why they buy (Insurance)
There are only three reasons people buy insurance and only one of those reasons is a choice on the part of the client.
Those reasons are:
Fear
They truly understand they may have a loss that is significantly serious to damage their financial future
Compliance
The law requires the purchase… Workers Compensation or Auto Liability
Compulsion
The financing entity requires it.
The last two reasons create resentment, apathy and make the seal mandatory but less important to the purchaser. You have to work extra hard to make them listen to your advice.
A man convinced against his will, is of the same opinion still.
Ben Franklin.