The best strategy to use life insurance is to determine the need and plan for the unexpected. It could be used to protect loved one or to keep your business running after you pass on.
Your greatest asset is your ability to earn income. Disablity Income Insurance can replace a major portion of your income if you become sick or injured and are unable to work.
If you are unable to do 2 out of the 6 activities of daily living without assistance, you may need long term care. Planning will protect your assets, family relationships and maximize your options for care.