Why do complex risks and underinsured clients still trip me up?

You can handle the ordinary client in your sleep. It's the hard case — the one with layered risk, or the one quietly underinsured — that makes you hesitate. That hesitation tells you something true: you have no fixed way of working these cases. You are improvising each time. This is not a gap in your knowledge. You know more than enough. It is a gap in your method. You treat each complex case as a fresh puzzle instead of an instance of a category you have seen before. That is exhausting, and it is why the same kind of case trips you every time. The fix is not to study more. It is to build a method you trust, then follow it without exception — even when you feel unsure. Confidence follows the method. It does not come first.