The Grudge Diagnostic
When you open a Life and Disability Insurance renewal invoice, you're not just fighting a price increase, you're actually fighting millions of years of evolutionary programming.
Your brain is wired to reject this bill because it offers no immediate and tangible reward. So before you act on that feeling, use the Diagnostic to check which mental bias is running the show.
Decode the resistance before you even think of cancelling your protection.
The Grudge Diagnostic /grʌdʒ daɪ-əg-nɒs-tɪk/ (noun)
A cognitive tool designed to distinguish between a Financial Signal ("I cannot afford this") and a Biological Signal ("I resent this lack of dopamine").
Used to prevent irrational cancellation of critical safety nets.
How to use this tool
You just opened a renewal notice for your Life and Disability insurance. The price went up. You feel a flash of irritation. That is your brains Amygdala region (the emotional brain) reacting to a 'Grudge Purchase.'
Do not let the emotion drive the bus.
- Look at the 4 cards below.
- Tap the card that sounds like the voice in your head right now.
- Read the Truth on the back to reframe the decision.
The Conversational Deck
Tap a card to reveal the antidote
You haven't "lost" money; you bought Zero Disaster. You are looking for an ROI on a product designed for Peace.
You are relying on Magical Thinking. Cancelling the policy doesn't stop the risk; it only removes your shield.
This isn't money spent on you. You will be dead when it pays out. This is the ultimate gift for them.
You are trying to control biological chaos with a spreadsheet. The price rises because risk rises. It is math, not malice.
So what just happened?
You just performed a Pattern Interrupt. By naming the "Voice" (Steward, Peacemaker, Caretaker, Architect), you moved the decision from your emotional brain to your rational brain.
The Next Step
Now that you know what you are buying (Structure, Silence, Love, or A Moat), you can make a clear decision.
Go pay that Life Insurance invoice; you've got this!
Call us today on 1300 137 403 or email us here for a no-obligation private chat about your situation.
Drew Browne is a specialty Financial Risk Advisor working with Small Business Owners & their Families, Dual Income Professional Couples, and diverse families. He's an award-winning writer, speaker, financial adviser and business strategy mentor. His business Sapience Financial Group is committed to using business solutions for good in the community. In 2015 he was certified as a B Corp., and in 2017 was recognised in the inaugural Australian National Businesses of Tomorrow Awards. Today he advises Small Business Owners and their families, on how to protect themselves, from their businesses. He writes for successful Small Business Owners and Industry publications. You can read his Modern Small Business Leadership Blog here. You can connect with him on LinkedIn. Any information provided is general advice only and we have not considered your personal circumstances. Before making any decision on the basis of this advice you should consider if the advice is appropriate for you based on your particular circumstance.
Is your brain risking your life's work?
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This concept is part of the CARE Blueprint™ developed for our upcoming book on behavioral estate planning.
