I’m David Clarke
I Found Professional Advice That Actually Helped
David Clarke finished his evening client calls and reflected on the irony of his situation. As a Financial Advisor helping others navigate insurance decisions, he felt confident guiding clients through complex products, but when it came to his own critical illness coverage, he found himself second-guessing every decision. “I know this stuff inside and out,” he told his wife, “but somehow it feels different when it’s your own family’s security on the line.”
The Challenge…
With a $100,000 income from his established financial advisory practice, David understood insurance products better than most consumers, but his professional knowledge created unique challenges. His priority was ensuring his family’s financial security during potential health crises while maintaining his professional credibility and avoiding conflicts with his existing coverage recommendations.
“I analyze these products all day for clients,” he said during a discussion with a colleague. “But when I’m looking at my own critical illness coverage, I keep wondering if I’m missing something or if my existing life and health coverage is actually sufficient. It’s hard to be objective about your own situation.”
His biggest challenge was finding advisors who could provide peer-level consultation without treating him like a typical consumer.The Breaking Point…
Helping a client whose family faced financial strain during a critical illness despite having “good” life and health insurance opened David’s eyes to gaps in his own protection. “Watching that situation unfold made me realize the problems in my own coverage,” he said. “I advise clients about this all the time, but I’d been procrastinating on my own situation.”
Finding Saphira…
I became aware of Saphira through their advanced training program for financial professionals. Their sophisticated approach to critical illness planning and willingness to engage in peer-level discussions caught my attention immediately. “Finally,” I thought, “advisors who understand that financial professionals need different conversations and deeper analysis when it comes to our own planning.”
The Solution…
Saphira’s professional services team created a comprehensive strategy that respected his expertise
Critical Illness Insurance
Critical Illness Insurance with enhanced features addressed his sophisticated needs. “This provides comprehensive coverage for multiple conditions with benefit options you can customize,” their advisor explained. “As someone who understands these products, you’ll appreciate the flexibility and comprehensive coverage this offers.”
Disability Insurance
Disability Insurance optimization worked with his existing professional coverage. “We’ll coordinate with your current policies to eliminate gaps while avoiding redundancy,” the advisor noted. “The goal is seamless protection that maintains your family’s lifestyle if you can’t practice.”
Universal Life Insurance
Universal Life Insurance enhancement aligned with his wealth management strategy. “This integrates with your existing portfolio while providing tax-efficient growth and estate planning benefits,” their advisor said. “It’s designed for professionals who understand long-term wealth building.”
Professional liability coordination
Professional liability coordination ensured comprehensive protection. “We’ll review all your professional and personal coverage to identify any gaps that could affect your practice or family security,” the advisor assured him.
The Difference…
I picked Saphira because they treat me like a peer
They understand that financial professionals need different conversations and more sophisticated solutions, I said after implementing my strategy. “This isn’t just personal insurance – it’s professional risk management that enhances my practice.”
Peace of Mind…
In the two years since, David has the comprehensive protection he was seeking while gaining insights that have improved his client service. His coverage provides security for his family while supporting his professional credibility and expertise. “I finally have the coverage I’ve been recommending to clients,” David reflects. “But more importantly, working with Saphira has enhanced my understanding of these products, which makes me a better advisor. That professional development was an unexpected bonus.” When colleagues ask about his experience, David always says, “Find advisors who can engage with you as a professional peer while providing the objective analysis we sometimes can’t do for ourselves. That combination of respect and expertise makes all the difference.”