Life Insurance Facts and Statistics #10: Why 41% of Americans Prefer to Shop for Insurance in Person

Financial Horizons: Insights for Building Wealth and Securing Your Legacy

By Dr. Jose G. Cardenas, Chief Tax Strategist at The C & R Group, LLC

In an era where nearly everything — from groceries to financial investments — can be handled with a click, it’s fascinating that 41% of Americans still prefer to shop for insurance in person. That statistic says a lot about human behavior, trust, and the deeply personal nature of financial protection.

When it comes to life insurance, people aren’t just buying a policy — they’re making decisions that affect their family’s financial security, legacy, and future. And that’s something worth a conversation, not just a digital quote.

1. Why People Still Want the Human Touch

Financial tools are complex — but life insurance takes it a step further. It’s not a “set it and forget it” product. It involves nuanced decisions: how much coverage, what type of policy, and which riders or benefits fit your goals.

Online calculators and automated platforms can only go so far. They can’t sit across from you, ask about your why, and tailor a strategy that aligns with your family’s vision.

That’s why so many Americans still choose to meet with a professional — someone who listens, explains the fine print, and helps them connect the dots between tax planning, income protection, and long-term wealth building.

At The C & R Group, LLC, that’s exactly what we do. We don’t sell insurance; we design financial protection plans that integrate with your overall wealth strategy.

2. The Real Value of Face-to-Face Planning

Meeting with a professional isn’t about paperwork — it’s about perspective.

When clients sit down with me, we’re not just talking about life insurance; we’re discussing how that policy fits into their bigger picture. Here are just a few examples:

• Tax Efficiency: Leveraging cash-value policies like Indexed Universal Life (IUL) under IRS Code 7702 to create tax-free income streams.
• Legacy Protection: Structuring policies to ensure children and grandchildren inherit wealth instead of debt.
• Business Continuity: Funding buy-sell agreements and key-person insurance for business owners.

Face-to-face meetings give families clarity, confidence, and control — something no chatbot or quote generator can deliver.

3. Building Trust in a Digital World

The digital age has made financial products more accessible, but it’s also created confusion. Every website promises “the best rate,” yet few explain how those numbers fit your personal situation.

That’s where personal advisory relationships still matter. People want to sit across from someone who can translate financial jargon into real-world action. They want an advisor who isn’t pushing a policy, but building a partnership.

The truth is, whether you prefer to meet in person or online, the goal remains the same — to build financial security that lasts generations.

Final Thoughts

Life insurance isn’t just about the numbers — it’s about peace of mind, family protection, and financial legacy.

So, if you’re one of the 41% who prefer in-person discussions — good. That’s where real financial strategy happens. And at The C & R Group, LLC, that’s where we excel: bringing clarity, integrity, and personal attention back into wealth planning.

📖 Read more at: www.thecrgroupllc.com/blog
📅 Schedule your consultation: Book a consultation with Dr. Cardenas

About the Author

Dr. Jose G. Cardenas is a retired U.S. Army Finance Officer and the Chief Tax Strategist at The C & R Group, LLC. With a Doctorate in Business Administration and over 20 years of experience in financial strategy, tax planning, and life insurance, Dr. Cardenas helps individuals and business owners protect their wealth and build a legacy. Learn more at www.thecrgroupllc.com.

📌 Disclosure

This article is for educational and informational purposes only and is not intended to serve as personalized legal or investment advice. Dr. Jose G. Cardenas, DBA, provides tax advisory services through The C & R Group, LLC. Insurance strategies, including Indexed Universal Life (IUL) and annuity products, may be offered through his role as a licensed financial professional affiliated with Experior Financial Group.

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