Well, let’s think about this. You’ve earned the majority of what you’ll ever earn over the past 40 years. You should have accumulated enough assets to retire and live happily ever after. The opportunity and the ability to add to this are limited by both your age and your health. But the past few years have been an eye opener about how uncertain your financial future may be. Most people think of life insurance only when they want to protect their family and provide a source of replacement income in the event of their death. They don’t think of it as a buffer to replace lost assets due to market volatility—for example, the market crashes and you die before you have the time to rebuild or replace the lost assets. Yes, I know…
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