Why Insure?

The disappearance of steady income can pose daunting problems for you, your family and your business, both in the short and long term.

· Do you have disability insurance of any kind? When do the benefits begin after a disability? What is the maximum monthly benefit payable to you and how long would you be eligible? Are premiums refundable at a future date? How long?

· Do you own personal coverage? Are you confident you have adequate coverage for yourself, your family, your business?

· Does your business offer adequate protection from lawsuits for sexual harassment, product liability or worker’s compensation claims?

· Do you own critical illness insurance? Does it pay out a lump sum or cover treatment bills for a stated period of time? Are premiums refundable on death or at a stated future age?

· Do you have a health plan at work? Are you aware of all the benefits? What are the limitations? When was it last reviewed?