If you could recommend only one insurance to all your clients from now on... What would it be? Term, Whole Life? Critical Illness? Disability? Car? House? This is the one fundamental that should be the foundation to all your financial planning.

An emergency savings is technically an insurance since you are mitigating risk. It is considered to be one of the most expensive since it has a 1:1 payout ratio. Other insurance such as a term life can have a payout of 1:1000+ depending on your age, health etc. It can also be more than 1:1 if you have a family as well.

This is fundamental because it covers all types of expenses or risk that may occur that your other insurance policies will not. This is essential to everyone's financial planning.

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