If we looked at all of the different types of insurance that we should carry to protect ourselves (think of this as a spare tire or a tank full), one would say to themselves, “How am I going to do that AND pay the bills”.

If that thought crosses your mind on a good day, how do you think you’d pay the bills if you were involved in a situation unexpectedly or too late to successfully go through an underwriting process.

My point is, any and all insurance that you need, if it’s proportionate to your income and your cash flow, is doable. I cannot tell you how many times I see someone over-insured on one area, under-insured or not insured at all in another area.

This is like building a house and putting a foundation in one corner and no foundation in the other three. This is why I ask you to please make time for the people you love, and the lifestyles that they’re accustomed to, to take a moment for a free consultation.

Outside of the given health insurance that we all need and carry, we need to prepare for two life events that seem to be overlooked. Disability income protection and appropriate life insurance. The application of these types of insurance can be for personal needs, buy/sell agreements with business partners/ventures or succession planning with a business, a farm operation or our personal assets being transferred to the next generation. Please call me, our consultations are free.