Your best client just asked about retirement planning. Again. But your system only handles life insurance. Sound familiar?

The days of single-product expertise are fading. Clients now expect their producers to protect their entire financial picture—from life insurance to annuities to long-term care. Some agencies have already transformed their approach, moving beyond one-dimensional solutions to serve the full scope of client needs.

This shift isn’t just changing how we work—it’s reshaping what’s possible for both advisors and their clients. Here’s what we’re learning about protection planning in three dimensions.

Reality check: the digital divide

While clients demand comprehensive protection, agencies using paper can’t keep up. Most who do use sales technology also aren’t meeting client expectations. Legacy systems handle a single line of business well enough but don’t always offer all lines of business. The result? A growing gap between what clients need and what agencies can deliver.

Beyond internal constraints, external forces reshape how agencies must serve clients. 

Demographic shifts

McKinsey reports that 62% of consumers under age 55 now demand comprehensive financial advice spanning insurance, investments, and retirement planning. This represents a fundamental shift from the siloed approach of previous decades when financial products were sold separately. 

Trapped by status quo

While most agencies remain bound by outdated systems, industry pioneers have found their path forward. By replacing legacy platforms with integrated solutions, these agencies now offer life insurance and annuity sales through one seamless system. The result? Protection planning that matches how clients think about their financial future—and producers who stay because they can deliver it.

Power up your protection portfolio

Producers now protect their clients’ complete financial picture.

• • Product Growth. When producers access multiple product lines through one system, they keep valuable business in-house while strengthening client relationships.

• • Simple Process. The integrated workflows eliminate duplicate data entry,
    while reducing processing times and ensuring accuracy for compliance.
  • Client Focus. Quick access to multiple solutions speeds up responses when clients require protection.

Your future is calling (and it’s multi-dimensional)

The shift from single-product sales to comprehensive advisory sales is about capturing every opportunity to protect clients while growing your business.

I recently caught up with a producer I’ve known for fifteen years at a conference about how business looks different today. “Remember when we thought life insurance was enough?” he laughed. “Now my clients expect me to protect their whole financial picture.”

He’s right. The days of specialized expertise are ending. Not because of market forces, but because clients need more.

They always did.  Today’s technology finally lets us deliver what clients needed all along—protection that spans every dimension of their financial lives.

Article by Lasse Ljung, SVP of Life Distribution, Hexure

This article was first published in Aspire Magazine.