Thank God my father had life insurance and mortgage insurance. When he died at 47, all his major bills were paid because he was well insured. This, among other experiences, gave me great appreciation for the need for insurance. 

Of course, auto insurance is mandatory almost everywhere, so I have always had insurance for my car since I started driving at 17.  I also knew that life insurance was important to have; my grandmother got a weekly visit from an insurance agent to whom she paid her premium and my father had a part time job selling life insurance for the black-owned North Carolina Mutual Life Insurance Company.  That is how I grew into adulthood embracing insurance products as a necessity and not a luxury.  

I learned an alarming fact when I first made a workplace presentation of my dfree® Financial Freedom Movement to a New England insurance company. It was through my work with their employees that I learned I could more likely become disabled before age 65 than die before age 65.  This stunned me!  I had never given any thought to being disabled much less before reaching age 65.  

Shortly after this newfound knowledge, a dear friend of mine became too sick to work.  In fact, he was a successful professional and an active man who played golf, traveled extensively and was well-respected among our peers.  He was too young to retire but he had never purchased disability insurance.  

There are several different types of insurances that we can invest in, including insurances that protect us in the event of accidents and incidents that attack our assets or our ability to earn an income. Get a copy of the dfree® 12 Steps Workbook where we have provided a decent list of insurances for your consideration. 

I also recommend that you speak with a Certified Financial Planner who can help you determine what type of insurance you need. Go to www.dfree.com/gethelp to request a free consultation today.