While most people think that a financial plan is all about investments that's not the whole truth. Even the best plan is useless if you don't' have the worst case scenario worked out. If your going to go to all of the trouble to work on a financial plan you owe it to your selves and your family to protect that plan. Using appropriate insurance products is the most simple and cost effective way of going about gaining that protection. Any financial plan should either acknowledge that current insurance is sufficient or recommend additional insurance to fill in the gap.

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