If you have a juvenile or adult special needs child, you understand how much extra help they need in life. What would happen to them if you die? As with most advanced Life Insurance planning, the first step in special needs planning is to meet with an attorney. You'll need several documents such as trusts [...]

The most basic purpose of Life Insurance is to replace the income of a loved one who has died. In my industry, we call this 'mom & pop' insurance. This is what couples buy after they acquire their first mortgage or have their first baby, for example. Let's say you are a married woman. Your [...]