Let’s face it – insurance is confusing. Do you need term life, whole life, universal life, or variable life? How about short-term or long-term disability insurance, or a combination of both? Are there gaps in your property/casualty coverage, such as your auto, homeowner’s, or umbrella? And how does long-term care insurance fit in?

Not only are there many options and combinations, but each family has its own unique needs and circumstances. As a result, making the right choices for you and your family can feel like finding the proverbial needle in a haystack.

Another major challenge is that many people don’t want to discuss insurance. Many of us are fundamentally optimistic and don’t want to imagine being the victim of an auto accident, lawsuit, or debilitating illness. While these topics challenge us, planning ahead is the best way to provide the peace of mind and support your family needs. It allows you to stay confident and powerful over your future, regardless of what life brings.

Over the next four weeks, we’ll post a series with tips and pointers on determining the right insurance for your specific needs in the areas of life, disability, property/casualty and liability, and long-term care insurance.