Insurance is a deep bucket. We have our health insurance. We have home owners, auto insurance, to name a few of the most obvious coverages that we all find necessary. These all come with price tags, deductibles, co-pays, co-insurances, etc. Some of the things that we insure are appreciating assets, such as our home. Some things we insure are depreciating assets, such as cars, boats, motorcycles, toys, etc. And life is good.

If one of us would happen to pass away prior to full life expectancy, life insurance will make a difference to our children, their educations and to the lifestyle of our spouse and loved ones. Life insurance should be reviewed every year. Life changes, products change, your needs change, and these types of insurance are generally purchased, thrown in a drawer and left to collect dust. Don’t wait until your age or your health has limited your choices. So, please call me on that.

But, one item that is so very easily overlooked is our income protection. Let’s say we live a full life, but we had an injury or illness that prevented us from earning our current income. So, let’s say, we can work, but we’re taking a less rewarding paycheck, which may change our lifestyle, or, let’s say we’re not able to work at all. Then, we won’t be able to pay for all of the insurances I just mentioned above, to say nothing of our fixed bills each month. Without income protection, trust me, the lifeline to everything that you enjoy, and all of your loved ones that depend upon you, becomes an unreal dream.

Please look at this video as it best explains some of the consequences that we face. This is intended to provoke your thoughts about something we are passionate about. You will find not only one video, but several. Please take the time for your family to view these. Give us a call, our consultations are free.