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Most don't find this the most exciting topic. But, when a disaster or tragedy occurs, insurance may be used to mitigate risk and help you continue working towards your financial future.

When designing a “Financial Planning Pyramid” various insurance products form the base of the pyramid. The solid base seeks to protect and support the assets further up the pyramid.

Life Insurance
term, permanent, key-man, survivor

Disability Income Insurance
any occupation, owner occupation, level premium, increasing premium

Long Term Care
Insurance traditional, life insurance rider

*Riders are additional guarantee options that are available to an annuity or life insurance contract holder. While some riders are part of an existing contract, many others may carry additional fees, charges and restrictions, and the policy holder should review their contract carefully before purchasing.