An untimely death or disability can instantly change a family’s financial well-being, but it does not have to.  We buy property insurance for our cars and homes, we buy health insurance, but many forget or do not think about buying life, disability and long-term care insurance.  Purchasing these types of insurance is much more affordable than you may think, especially if you are young and healthy. 

 

The amount of insurance needed changes over the years, but the most critical time is when you are bringing up a young family, in the middle of your career, or have large financial obligations.  The best gift you can give to your family is the peace of mind in knowing they will be taken care of if the unexpected happens.