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Life insurance should be a part of everyone's financial plan. Whether you are a young millennial starting your career and family, or a baby boomer making plans for retirement and taking care of your legacy, life insurance offers peace of mind and protection for your loved ones.

For as long as humans have been cooking with open flames inside of a shelter, we have been trying to mitigate the risk of fire in our homes. A residential fire is a homeowner’s worst nightmare—damage to property is often total, and the safety of loved ones and pets can be in jeopardy. Each year, fires are responsible for over 2,500 deaths and $7 billion in property damage.¹

For nearly half a century, the Surgeon General has been warning the public about the dangers of smoking, and for good reason. According to the Center for Disease Control and Prevention, “Smoking cigarettes is the leading cause of preventable disease and death in the United States, accounting for more than 480,000 deaths every year, or about 1 in 5 deaths.”¹

Like the Bermuda Triangle, the Sphinx, and the island of Atlantis, the way that car insurance rates are calculated is one of life's great mysteries. There are many factors that go into determining your individual rate, but there are also behaviors beyond your control that can have a potential impact on your premiums.

When researching flood insurance policies, whether by personal choice or by mandate from your mortgage company, price is likely one of the aspects that is high on your inquiry list. For many people, there are two policy options: the National Flood Insurance Program (NFIP) managed by the Federal Emergency Management Agency (FEMA), and private market flood insurance, both of which can be purchased through a licensed insurance agent.

Are you one of the 62% of Americans that has life insurance coverage? If you answered 'yes,' congratulations and job well done! You have taken a proactive step in securing the future of your loved ones in the event of your untimely death. Life insurance should be a part of everyone's financial plan.

In my experience, traveling can quickly inspire a new state of mind. It’s easy to leave the mundane details of our daily lives on the runway when we leave for a new destination. There are, however, some very useful mundane details that can travel with you—without taking up luggage space!

When Hurricane Harvey hit Houston in 2017, it affected an estimated 13 million people in the Gulf Coast region. It claimed 88 lives, left over 200,000 damaged homes in its wake, and caused $125 billion in total damages. According to the National Hurricane Center, three out of five of the costliest hurricanes on record—Harvey, Irma, and Maria—occurred in 2017. Combined, these devastating storm systems racked up $265 billion in total damages to homes, businesses, and infrastructure in just one hurricane season.

For better or worse, it's hard to dispute the fact that the gig economy is most likely here to stay. More and more Americans are taking on part-time "side hustles" that give them the flexibility to earn extra cash during hours that accommodate their schedules. Businesses such as Favor, Uber, Lyft, Air B&B, Amazon Delivery, and DoorDash have no shortage of interested potential employees.

Life insurance should be a part of everyone's financial plan. Whether you are young and healthy or more seasoned with a family, life insurance offers peace of mind and protection for your loved ones. While it may not be comfortable to think about our inevitable death, as the old saying goes, the only thing certain about life is death and taxes!