By Dan Schulte, Vice President and Manager, Annuities and Insurance

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As the holiday season approaches, maybe your thoughts turn to family concerns. As a result, it may be a good time to plan for the unexpected, to be sure you have the proper coverage in place should you become disabled or in the event of your premature death. As you get older and life changes, your insurance needs can change as well. Questions to ask yourself might be: How much life insurance death benefit would be paid to my family if I die? Is this an adequate amount? Do I have disability income insurance if I am unable to work due to illness or injury? Do I have a long-term care (LTC) plan?

If you haven’t looked at your in-force insurance policies lately, or if you have had a major life event such as a birth of a child or purchase of a new home, it is a good idea to review your policies. Your Benjamin F. Edwards & Co. financial advisor can analyze your existing policy types and insurance amounts, and discuss if you have a surplus or shortage of coverage. We can also discuss various life insurance, disability insurance, and LTC insurance coverage options that are available. For a more detailed look at what an insurance review can accomplish, see the Reviewing Life, Long-term Care and Disability Insurance Needs article.