Most people have insurance for a long list of “things” such as homes, cars, cell phones, etc..

One of the most important assets to insure is the ability to earn an income. Disability, Long-Term Care and other major health concerns can financially and emotionally devastate a family – even before retirement time arrives.

Having protection in place to assure a stream of income in case of a major illness, disability, or even premature death is oftentimes an overlooked part of financial planning.