Investing in the stock market is not an ideal match for everyone.
When you begin a relationship with a client, you get to know your customer. This involves risk profiling.
Some people jump out of airplanes for fun. (For some reason, insurance companies hesitate to insure them.)
Other people don't want to take any risk: they'd keep their money in the mattress if they weren't so worried about moths.
Still others, not knowing what the future holds, are too uncomfortable about uncertainty to buy green bananas.
Are all of these people an ideal fit for investing directly in the stock market?
Of course not. Investing in the stock market comes with uncertainty. Some clients might be a better fit for cash-value life insurance, fixed annuities, variable annuities and other types of life insurance and annuity products, even if that holds down returns.
For eight reasons life and annuity products might work better for some clients, see the gallery accompanying this article.
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