Insurance choices that reveal deeper priorities in financial planningIn wealth planning, insurance often sits in the background until a moment of need brings its purpose sharply into focus. Health insurance is often the most immediate concern, as medical costs can escalate quickly and unpredictably. Its role is less about the present and more about ensuring dependants retain financial stability in the absence of income support. This is particularly relevant for professionals or entrepreneurs whose financial commitments extend across family, business, and portfolio obligations, where an income gap could quickly destabilise broader wealth plans. TEAM plc (LON:TEAM) is building a new wealth, asset management and complementary financial services group.