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The first step in the financial planning process is Insurance. It is the best defensive measure for financial stability and It offers peace of mind too.

Life insurance provides a monetary benefit to a decedent"s family or other designated beneficiary, and may specifically provide for income to an insured person"s family, burial, funeral, and other final expenses. Life insurance policies often allow the option of having the proceeds paid to the beneficiary either in a lump sum cash payment or an annuity. In most states, a person cannot purchase a policy on another person without their knowledge." You can still take care of your loved ones, even after you are gone." - Erica Davis