Sitting at the dining room table, over a decade ago, listening to my clients grapple over the need for life insurance with a resounding concern for its level of importance – great pride is taken pride in having gently described the styles and benefits of each type of coverage. That pride comes from living through the experience of supplying a plan to a loving couple who were deciding how best to address concerns, protect their children, and protect the continuation of their small business. It is not uncommon to see people dip their toe into this conversation and turn away due to the discomfort that comes with the conversation around loss. Ultimately, the desire was to leave one another $250,000.

Several years later a very unfortunate turn of events happened, and a loving mother, wife and business owner became stricken with terminal cancer. The prognosis was grim and there was little that could be done. The one thing our team was able to do was provide a check for financial security to a family with children headed to college, a husband left with mortgage debt and business loans.Money will never replace a mother, wife or friend, but it will create financial stability in a time when other areas of life become less stable.

Never assume it won’t happen to you! Please don’t let someone “sell” you life insurance, better yet become an informed consumer and purchase what fits your budget and your family needs.