Have you insured your most valuable asset?

Have you insured your most valuable asset? -
People regularly make their asset value, but many do not ensure their ability to generate income. During your working years, your greatest asset is often the ability to work and generate income.


The two main risks to be able to generate revenues of premature death and disability. You can ensure yourself against the impact these risks.
The life insurance can replace your income if you die too soon, while disability insurance can replace lost income due to illness or accidental injury that prevents you from working.
When planning for retirement, your most valuable asset may be savings from which you can generate a retirement income life. But there are three major risks to be able to generate this income:

• longevity risk (living too long)
• market uncertainty (market risk and fluctuations )
• a prolonged period of low interest rates, such as we are experiencing now

The impact of these three risks can be serious and retirees can end up with a deficit substantial income should their assets be sold too early retirement.
good news, however, is that you can protect yourself against the impact of these types of risks too. products of guaranteed lifetime income (annuities) can provide this protection, and, like other types of insurance, they can also help provide peace of mind.
Although the goals and needs may change during your life, income can be and must be protected at every stage along the way.