This is a story that I debated telling, but I think its power speaks to the level of understanding that people need to have when it comes to protecting themselves and their family.

Paul Sullivan of the New York Times in April of 2009 wrote an article in the Wealth Matters section titled “Never Mind your 401(k). How’s Your Insurance?” Mr. Sullivan starts his article with a very simple yet powerful sentence, “Insurance is the least sexy asset in most portfolios.” Why is this simple, straight-forward sentence so powerful? Because it is true and drives the sub-concious perception of insurance in almost every American’s mind.

Most individuals interested in purchased these worst case scenario policies wait until either something very bad has happened to either themselves, a family member or close friend. These individuals do not realize that the longer you wait (the older you are) to purchase Life and Disability insurance the higher your yearly premium is going to be.