Everything You Need To Do

1. We are not immortal – Protecting our loved ones by protecting our finances is part of our care for them – don’t be negligent.
2. Calculate the loss – Whether we die or can’t work for whatever reason, the risk is the loss of our income.
3. Conservative assumptions – Easy to overestimate projected investment returns to fund a given lifestyle
4. Call LifeSearch – No hard sell, no overselling – just great advice. No fees either, commission is paid by the insurers.
5. Consider trusts – No waiting for probate – Quick pay-out, not in your estate.

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