The basic premise of Insurance is the spreading of risk. If we can share the risk adequately, then it can be managed. Thankfully, there are only three really major things that we must concern ourselves about - all else can be overcome if we protect these “three legs of the Financial Planning stool”.

These risks are:

Dying Too Soon - Protect yourself against premature death

Living Too Long - Ensure an Adequate Retirement

Becoming Disabled - Protect your ability to provide for yourself and your family

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