Income Protection

Life insurance protects your family by replacing income, paying off debts, funding education and retirement.

Disability insurance pays a monthly benefit to protect you from loss of income in case of a disabling illness or injury.

- term - inexpensive, great for a period of time, expires at the end so if you don't use it (that's the plan, right?) then the premiums are lost
- permanent - more of an investment, but can grow value over time, withdraw all cash without tax consequences, eliminate the need to separately buy long term care insurance, and guaranteed to pay out when you pass away
You are never going to die
You are going to inherit a fortune
You are going to win the lottery
Your children are going to support you
You are never going to retire
The government will take care of you
Click HERE for more info