Pre-mature death
Have a back-up plan in place to ensure that your goals will be met in the event of an untimely death.
Outliving Your Savings
Ensure that your funds do not run out when you need them the most.
Medical needs
Consider the impact that a major medical expense would have and ensure that it is properly covered.
Liability risk
Lower the risk of personal or business liability.
Becoming disabled
Protect your ability to earn an income if you are unable to work in the same capacity or at all.
Long-term care
Protect your nest egg if you require long-term assisted living.