Digital Insurance: What You Can Buy Online and What Still Needs an Advisor, with Yusudan Ren

Buying life insurance used to mean a guy with a briefcase showing up at your kitchen table. Now you can buy a policy on Amazon, at Costco, or from your phone before your coffee gets cold. The question nobody's really answering: should you?In this episode, Martin Ochwat and Greg Rozdeba sit down with Yusudan Ren, CFA, CFP, CLU, Pl. Fin. — Director, Products and Partnerships at Prospr by Sun Life — to talk about how digital insurance is reshaping the Canadian market, and where the real risk sits when you skip the advisor.What we cover:How Amazon and Costco started selling insurance, and what retailers can infer about your life stage from your shopping habitsThe "prosumer" effect: clients arriving with ChatGPT-generated questions, where that makes them sharper and where it misleads themWhy hybrid advice — human plus digital — is becoming the standard rather than the exceptionHow AI is helping advisors present complex plans more simplyWhen AI gives dangerously wrong answers on insurance and taxThe client who skipped a $32/month policy, and what happened nextWhy the average insurance advisor in Canada is over 60, and what that means for the next decadeWhy corporate-owned insurance still can't be bought onlineThe cross-subject planning problem — tax, insurance, and estate together — that AI can't solve yetIf you're a Canadian business owner or professional weighing whether to buy coverage online or work with an advisor, this one is worth your time.Book a free strategy call: dundaswealth.ca/applyYusudan appears in a personal capacity; the views he shares are his own and not those of Sun Life or Prospr.Keep What You Build is presented by Dundas Wealth. The content in this podcast is for educational purposes only and does not constitute financial, tax, or legal advice. Always consult a qualified professional before making financial decisions.