They've got above average talent, but never listen to the coach... yep, you know EXACTLY who I'm talking about, don't you?...
Well, I get this about 10 times a week. Someone tells me what they want the insurance to do, and what it should cost, and their situation is "different."
Fine. Then go get it yourself.
As a great coach once said to knowitall, "If you're so damn good, why are you here?"
That usually gets them to stop talking. Fascinating.
Insurance is not FREE, is not a RIGHT, nor will solve any problems. It's a transfer of risk, that's all.
You are not the best player, you are not special. You must work like everyone else, that's all.