Life insurance and disability insurance are necessary and important parts of financial planning.

Financial planning includes both saving for retirement and managing or minimizing risk.

Parts of risk management including providing for your spouse and children in case you die or become disabled (temporarily or permanently), and are unable to work.

Most people seem to realize life insurance is a necessary evil, but it seems few people actually get it.

I've spoken to very few people who even think they need disability insurance, and virtually no one I know has it.

As far as I know, you are actually more likely to become disabled than die very young.

I think you are wise to be looking at buying these types of insurance.

As far as I know, Aflac is a company based somewhere in the Southeast, and has a stellar reputation.

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Paul S.

2001 E430, Bourdeaux Red, Oyster interior.
79,200 miles.

1973 280SE 4.5, 170,000 miles. 568 Signal Red, Black MB Tex. "The Red Baron".