Which of the following would most likely lead to a discussion about a life insurance policy combined with an annuity?

The option indicating purchasing an insured annuity relates directly to a life insurance policy combined with an annuity because an insured annuity is a financial product that combines both components. Specifically, an insured annuity involves purchasing an annuity that is funded by a life insurance policy, typically structured to provide a stream of income during retirement while also ensuring a death benefit for the beneficiary.

When individuals consider this option, they are often looking at how best to provide for their income needs in retirement while simultaneously addressing their estate planning goals. This creates a pertinent discussion about how life insurance and annuities can work together to fulfill these needs, making it a relevant case for conversation regarding the integration of these financial products.

The other options might touch on financial planning concepts but do not inherently suggest the specific intersection of life insurance and annuities. Inherited wealth planning primarily focuses on passing wealth to heirs, asset management needs can encompass various investment avenues without necessarily intersecting with insurance products, and an investment strategy overhaul relates to changes in financial tactics without specifically involving the combination of insurance and annuities. Therefore, the focus on purchasing an insured annuity naturally leads to discussions involving both life insurance policies and annuities.