Insurance That Actually Protects You

Insurance is one of the most oversold and misunderstood financial products. Understanding what you actually need versus what you're being sold can save you thousands while ensuring proper protection.

Essential Insurance Coverage

Focus on these core protections first:

• Term life insurance to replace income
• Disability insurance to protect earning ability
• Adequate health insurance coverage
• Property insurance for major assets

Common Insurance Mistakes

Avoid these costly errors:

• Buying whole life when term life is sufficient
• Over-insuring or under-insuring
• Ignoring disability insurance
• Choosing the wrong deductibles

Regular Review and Updates

Your insurance needs change as your life circumstances change. Review your coverage annually and after major life events like marriage, children, or career changes.