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Life, Health and Disability Insurance

  • Your need for life insurance will change with changes in your life.  For example, the arrival of children usually triggers a sharp increase in the amount of coverage you need.  As children grow older and leave the nest, you probably need less protection.


  • Understand how health insurance relates to your personal financial plan.  Health insurance protects you and your dependents from suffering a financial catastrophe caused by high medical expenses.  Paying out of pocket for a hospital stay, even if short, can be very expensive.


  • Disability can be more disastrous financially than death.  Your most important asset is not your home, your car, your jewelry or other possessions.  It’s your ability to earn a living.  Think about it:  All of your plans for the future – from buying a home to putting your kids through college to building a retirement nest egg – are based on the assumption you will continue to earn a paycheck until you retire.  If you disabled, you lose your earning power, but you still have living expenses and often huge expenses for medical care.  Disability insurance helps you replace lost income.