When people think about insurance, they naturally focus on what happens if they need to make a claim. In reality, the value of insurance starts well before that point. Insurance exists to protect everything you have spent years building. Your income, your family, your business and your lifestyle. It is not an investment designed to generate a return. It is a risk management strategy designed to ensure that an unexpected illness or injury does not undo years of financial prog

Most business owners spend years focused on growth. Building revenue, attracting clients, developing staff and creating value. Yet despite often being their largest asset, the business itself is frequently one of the least protected parts of their financial position. When people think about succession planning, they often think about retirement or the eventual sale of a business. While those conversations are important, they are usually planned events that occur over many ye