An insurance analysis is the only way to properly assess your financial situation to determine how much, if any, of the risk you are able to assume, and how much of it should be transferred to an insurance company. A loss of income due to a premature death, disability or critical illness will usually require a significant amount of capital in order to replace it.

Estate planning is making a plan for what happens to your assets, when you're no longer here. It's about deciding who gets what, how they get it, and making sure your wishes are followed. This can even include what happens to your minor children, pets, jewelry, art work, etc.

Estate planning can also involve strategies to reduce taxes and make sure your loved ones are taken care of when you're gone. Life insurance is one of the most cost-effective ways to do this, and should be considered since it can cost only pennies on the dollar.

You’ve probably envisioned a fun and financially secure future once you stop working.

After working hard for so long, it’s finally time to enjoy all the things you never had time to do while you were working.

Let’s be honest though; you’ve become addicted to a regular pay cheque and you definitely need that to continue throughout your life expectancy.