Hello world! I have accepted Sophie’s invitation to join this crowd, so, here I am! This is my maiden voyage down the road of the Simplifi blogosphere. My intentions are to point out some of the very common areas of the insurance and planning world that we all tend to overlook and, quite frankly, think we have licked but don’t. I thought I’d start with a quick check-list for Men and will follow this with our Female list next time…have a great week!

1.) DOES EVERYONE IN YOUR FAMILY HAVE HEALTH INSURANCE? 0YES. 0NO.

If you checked no, well, we need to talk. Not having Health Insurance for yourself, your spouse or your kids can be a serious financial drain if someone has an accident or serious health issue. Divorce situations also need special attention so that everyone remains covered. If you’re self employed, we can help you find the policy that’s affordable and fits your needs.

2.) DO YOU HAVE DISABILITY INSURANCE? DO YOU KNOW WHAT IT WOULD PAY IF YOU ACTUALLY HAD TO STOP WORKING? 0YES. 0NO.

If you’re a working adult, your #1 asset is your ability to earn income. Your employer may offer a Group Disability Plan – but have you checked to see to what extent it will protect YOUR income? Do you have a taxable insurance benefit? We can help you read the fine print and figure out if you need Supplemental Disability Insurance.

3.) DOES YOUR SPOUSE HAVE LIFE INSURANCE? 0YES. 0NO.

If you’re married, or married with kids, your spouse needs life insurance too. Think about what it would cost to have someone do the day to day jobs that your spouse does. We can help you find affordable Life Insurance or evaluate the policy you have now to see if you could save money.

4.) DO YOU KNOW WHERE YOUR INSURANCE POLICY INFORMATION IS? DOES ANYONE OUTSIDE YOUR HOUSEHOLD KNOW WHERE IT IS? 0YES. 0NO

This may seem basic, but you’d be surprised how many people can’t find their insurance information right when they need it most. We can help you get your policy information organized and make sure you have the right kind of insurance to protect your assets and your family.

5.) COULD UPDATING YOUR PRESENT POLICIES SAVE YOU MONEY? 0YES. 0NO

The answer could be “yes.” Life Insurance costs have come down in recent years and many insurance products have changed. That’s why we recommend you do an “insurance checkup” every year. You may find you can get the same coverage — for less money.

6.) DO YOU HAVE AN INSURANCE AGENT THAT YOU CAN TALK TO? ONE THAT YOU TRUST? 0YES. 0NO

There are literally hundreds of insurance carriers and policies you can buy. But how do you know what you need and what company to trust? We say find a friend in the insurance business who knows what they’re talking about. We help customers find the right insurance mix every day. And we’d like to help you.

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