In this conversation, The FI Guys and their guest, Mark Massie discuss various aspects of insurance, including life insurance and disability insurance. They cover topics such as when to consider insurance, common misconceptions about insurance, and the importance of risk mitigation. They also discuss the concept of converting term insurance into permanent insurance and the benefits of different types of policies. The conversation highlights the need for proper planning and understanding of insurance to protect one's income and assets. In this conversation, Mark and Chris discuss the importance of working with a financial advisor and the role of insurance in financial planning. They emphasize the need for a holistic approach to financial planning and the benefits of working with professionals who specialize in different areas. They also discuss the concept of financial independence and the importance of having a solid foundation in place before taking on more risk. The conversation highlights the need for financial education and the importance of asking the right questions when seeking financial advice.