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I started my career in the insurance protection business with Allstate in August 1994, and have elevated our agency to one of the best in the business. I am married, live in Georgetown, and just enjoy life. I attended Stephen F. Austin State University and Texas A&M University, and graduated with a BS in Physics and Mathematics.

Tuesday, December 21, 2010

Have life insurance? Is it enough or maybe too much? - USATODAY.com

Most parents know that they need life insurance. But many would rather have a root canal than shop for the best life insurance policy.
"People don't think about, 'What will my family do if I am gone and not earning a living?' " says Peter Katt, a fee-only life insurance adviser. "The whole point of this kind of planning is to provide the family with maximum flexibility so they're not stuck."
Planning for your death is not a cheerful topic. Too often, parents make a quick decision, ignoring important considerations. Among their mistakes:

Not enough life insurance.

Families don't always insure a parent who is staying home to care for the children. "They don't think that the person who is not bringing in an income needs life insurance," says Greg Daugherty, executive editor of Consumers Union. But if that person dies, the other parent can't stop working and usually has to pay someone to help care for the family.

Click here for the rest of this great article!

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