Insurance is the cornerstone of any financial plan.

Without insurance your financial plan isn't sound, its built on quick sand.

You have to transfer your risk of loss to professional risk management firms.

Nobody likes buying insurance including insurance agents.

Insurance companies are multi-billion dollar conglomerates.

By the way, would you do business with a poor, struggling, just-getting-by insurance company?

Your insurance agent is your Primary Financial Planner.

Anyone who tells you any different is a kool-aid drinker who can't separate Sales Talk from Financial Facts.

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Gary Spicuzza, *SAFE
Copyright 1956.
No Rights Reserved.
*Self Appointed Financial Expert

You realize how much you need insurance when you don't have it. It can mean the difference between piece of mind and bankruptcy.

Financial Planning is an important consideration for most all of us. Especially if you have someone who relies on your for financial support.

Life insurance is one way to provide the financial security your family may need.

Before shopping for life insurance you may want to consider how much life insurance you need, what type, what yuo can afford, and for how many years you may need life insurance.

Always take the time to review the financial strength ratings of life insurance companies before choosing a carrier.

HMO: The Health Maintenance Organization is one that allows a member to select a particular doctor off the panel. It is these selected doctors that will deal will with members' problems. The selected doctor is the one that will be approached for checkups of any kind, and if there are problems with a member that cannot be handled by him or her, the member is referred to specialists.

Having an insurance license and working more on the asset management side of things I would say that your insurance agent is rarely your financial planner. If you work with a qualified financial planner, like a fee based Certified Financial Planner, then you will find that they understand insurance very well and can help you find the proper coverage. I do agree that most people are under insured, but most insurance professionals I have worked with do not understand other areas of financial planning as well. From an investment standpoint they are likely to sell you mutual funds in an asset allocation model and call it investing.

"Insurance is the cornerstone of any financial plan."

A compliance officer and/or attorney would never authorize the initial statement for good reason. Careful what you post but more importantly, careful what you advise your clients!

You know.. when you still have children at home.. life insurance is important...
for now with an empty nest.. i am wondering we need to keep it up....

Yes, I agree.
Insurance is the first instrument in any financial plan, but still, people consider it at the last.

I would have to agree with everything above. Stay away from the salesmen and get a fee based advisor.

Trusting financial planners can be very difficult these days. Giving any control or money over to anyone after all of the scams that are in the news every day, big and small companies. I'm shocked by the greed and hope that I never get robbed by any financial planners.