The title distills what the branch manager at a wirehouse told me at our my interview this week. He drew a small graphic with the center being a HNW individual. He then drew three lines out from there which represented the three advisors that EVERY HNW person has. One line was to an attorney/law firm, one was to a CPA/firm, and one was to a wirehouse (he would have included INDY's) FA. He stated that life insurance companies and agents were NOT a part of that HNW persons life as an on-going support team. He further stated that the large mutual life co.'s have built their business on telling incoming agents that they (the mut. life co's) WERE a part of the HNW persons advisor team but he stated emphatically on cross examination by me that life agents were NOT. Please be specific in your responses with your personal experience. Thanks.