Death, sickness, disability, and other happen.  They just do.  Often times, situations such as these appear suddenly.  An unforeseen diagnosis, or a disability caused by an accident, or death, can be devastating to otherwise solid financial plans.  Sudden and unforeseen are two words that you never want associated with long term financial plans.  Therefore, the management of risk must be proactive.  It can’t be reactive.

I help clients with situations like these is by encouraging them to insure their lives, health, and income long before a catastrophe occurs.