Expert Financial Advisor Or Financial Adviser? Playing Games With Insurance Customer Clients

In the past ten years, insurance customers have been asking whether a financial advisor they’ve had before is an expert or if it’s a fraud. Learn how to distinguish a fake financial advisor from an expert. It’s like having your surgery performed by a meat butcher rather than a licensed surgeon.

If new doctors were allowed to practice their skills after only a brief training, the doctor shortage could be resolved quickly. Management assured them that they were a doctor and that they are expected to perform their duties. There would be very few customer visits locally, and not many would trust the advice of the new doctor. You would have national medical security and the ability to sue angry professional doctors and surgeons.

This is real life. Uninformed insurance customers believe they are planning their financial future by consulting financial advisors. A new financial advisor could help clients change the direction of their financial assets, which could be hundreds of thousands of dollars. This new client was just given financial surgery by an experienced expert for at least five years, or perhaps a trainee for a few months. Both can wear the same suits and haircuts and both have business cards that have almost identical wording. Financial advisor, representative, expert, specialist, analyst sales representative guide producer or whatever. Please choose your name title.


You should not expect major life insurance companies’ assistance. They are actually the reason for much of the confusion in the name titles. They are the ones who started the name game. They were not called life insurance agents if they passed the insurance exam. They were instead financial agents and financial representatives, who are immediately capable of giving financial advice. It can sometimes be difficult to distinguish between a registered nurse and an LPN in a hospital. It’s like walking in a field full of sheep to see which ones have pink pimples still on their butts. Although I wish all insurance agents the best, I would not want an inexperienced agent just trying to make ends meet by paying their bills. I need someone who can give advice and make decisions about my life’s assets. A rookie must make a sale, good or not.

A REAL Financial Advisor

This is one thing that is certain: he/she is not an inexperienced captive agent who does not understand the differences between a client, prospect, and insurance suspect. If the adviser has five years of experience, they will be required to continue their education in financial matters throughout their career. Learning is an ongoing process. There are many certifications available, including CLU, CHfC and CFP. Although financial advice is a skill that requires a high level of accuracy in identifying a broad range of products, the true financial advisor can still make mistakes and have omission insurance. Most true financial advisors are independent. This allows them to offer a wide range of producers from different insurance companies.


It would be simple if every financial representative with less than 4 years of experience was required to wear a prison-striped suit. This would prevent them from convincing clients and customers with good con lines. A different approach would be needed, as the large union of insurance companies that employ these “non-insurance agents” would be willing to attack the White House with their lobbyists. My suggestion is very simple and would avoid suddenly lower-class insurance agents. It would also be easy to enforce. This is the solution, since no one except an out-of-space alien can tell the difference between advisor and adviser. This name would be retained by all real financial advisors who have at least four years of experience and have earned at least one designation. All rookies with stars in the eyes and holes in the wallets would be called advisors.