Starting a business. Hanging an "open for business" sign on the door falls into what Hyers calls a "debt issue. Anytime you are taking on significant debt, that's a big deal," he says. "There is usually a debt stage in life for most people and it's often an overlooked time because the last thing someone wants to do when they are taking on debt is add an additional expense in the way of life insurance premiums." However, a life policy can prove invaluable in the event of an untimely demise, especially when you have dependents, Hyers adds. "When a business owner passes away prematurely, and there is no life insurance, it can oftentimes sink the business," he says. "There are no immediate assets to keep it going and too often there is not a succession plan."

The business of investment has several facets, the employment of professional fund managers, research (of individual assets and asset classes), dealing, settlement, marketing, internal auditing, and the preparation of reports for clients. The largest financial fund managers are firms that exhibit all the complexity their size demands. Apart from the people who bring in the money (marketers) and the people who direct investment (the fund managers), there are compliance staff (to ensure accord with legislative and regulatory constraints), internal auditors of various kinds (to examine internal systems and controls), financial controllers (to account for the institutions' own money and costs), computer experts, and "back office" employees (to track and record transactions and fund valuations for up to thousands of clients per institution).
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Fund performance is often thought to be the acid test of fund management, and in the institutional context, accurate measurement is a necessity. For that purpose, institutions measure the performance of each fund (and usually for internal purposes components of each fund) under their management, and performance is also measured by external firms that specialize in performance measurement. The leading performance measurement firms (e.g. Russell Investment Group in the US or BI-SAM[5] in Europe) compile aggregate industry data, e.g., showing how funds in general performed against given indices and peer groups over various time periods.
Outside of Quebec, there are currently no restrictions, no educational prerequisites, and no licensing requirements for individuals calling themselves financial planners, or for businesses using "financial planning" in their name or services offered. As of July 2020, Ontario and Saskatchewan have introduced legislation to regulate financial planning titles, but the legislation has yet to be enacted.[7][8]

Getting a pet. Adopting or getting a new pet is a big event for any family and pet insurance is often overlooked, says Nick Braun, founder of, in Columbus, Ohio. "However, the best time to invest in pet health insurance is when you first get your pet," he says. "Owning a dog or cat is a long-term commitment that can cost thousands of dollars over time, and making sure you have coverage in case of a major illness or accident is a key part of the equation of responsible pet ownership."
Children. Having children is another benchmark that individuals will begin exploring life insurance options, Mehta says. "When there is a child involved, it's paramount to have proper insurance in place that will ensure the future liabilities are covered," he says. "Since one of the most important aspects of life insurance is income replacement, life insurance becomes invaluable to cover future education expenses of the child if the primary income earner in the family is no more."
In Australia, a company providing financial services must obtain a licence from the Australian Securities and Investments Commission (ASIC). However, there are no requirements for the individuals providing the financial advice, and the ASIC website states that "Holding an AFS licence does not provide a guarantee of the probity or quality of the licensee's services."[4][5]

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