I am in a hospital room right now looking at my mother asleep. As I sit here and think about her my heart goes out to her. I am thinking about a lot of things, but life insurance is sticking out right now. Life insurance is something that we know we need to have, but we don’t want it to be used. I saw an acquaintance pass away a few years back. He was the breadwinner and had no life insurance...

People dislike paying for something that they do not use. This is the rationale that prevents some people from using insurance. The purpose is not that I hope that I have an accident happen so I can use my insurance. The purpose is to protect you and loved ones in the event of an accident. Managing the risk of those events that could destroy your finances is just as important as all the other...