Protecting your family

Without a moment’s thought, you would protect your family from an immediate threat. It’s easy to respond to problems in the present, but it’s much more difficult to look ahead with the same urgency, especially for situations we would prefer not to think about. When an unpleasant scenario unfolds,will you be ready with a plan?

Every risk management question begins with “what if?” What if you suffer a debilitating injury? What if you are injured (or worse) in a car accident? What if your family member develops a serious illness? These are all terrible events, so obviously, no one wants to think about them. But I can tell you one thing with certainty: It’s much easier to think about it now than it is during the moment in happens.

No one can force you to adopt the mindset of risk management. That is a personal choice you must make on your own. It requires initiative and a sense of responsibility. Make the decision to contact an advisor that has the experience, training and the mindset to design an affordable risk management plan for you and your family.

One way to manage risk is by getting health and dental insurance. If you have never had a serious health incident or a root canal, you might not realize how expensive health care can be. The shock of the physical discomfort is disconcerting enough; you don’t need a devastating bill to make it even worse.