The people's voice of reason


It's easy to put things off. There are so many things that we have to deal with on a daily basis that when it comes to some things that we know we need to do, we just put it off until tomorrow. The next day rolls around and we either forget that we were going to do it or we find yet another reason to put it off. That is not always a bad thing, but when it comes to important matters in our lives and the lives of our family members, then it could be devastating. One of those important matters is protecting your family in the event of the loss of you or your spouse. Have you ever thought about how you or your spouse would replace that lost income? If not, it could have a devastating effect on the loved ones left behind. Aside from covering the cost of funeral expenses, if you have been depending on income from both spouses to pay the mortgage, auto loans, college expenses for the children and other living expenses, you or your spouse could be left in a bad position. The house might have to be sold, a second job might have to be acquired, the 401k might have to be liquidated or the college fund might have to go unfunded. Of course there are ways to help protect against these negative pitfalls. You know all you have to do is take a little time to sit down with a licensed agent that can help you determine how much life insurance is needed to help protect against these negative circumstances, but you think, "I have plenty of time to do that later."

Maybe you do. But are you willing to take that risk? The thing about life is that nothing is guaranteed. You never know when your time will come. You never know when something can happen to you or your spouse. You never know when you or your loved ones could be left with not only the loss of a loved one, but the overwhelming feeling of regret for putting off to tomorrow what should be done today. And it is not just death, but anything could happen at anytime that could make you uninsurable. Then, even if you wanted to get the proper coverage, you would not be able to.

So, because you never know what life has in store for you, don't put it off another day. The younger and healthier you are, the lower your premiums can be. Even if you are not sure if you would be approved for the insurance you need, talk to a professional that can help you find out what kind of coverage you could be eligible for. You'll sleep easier knowing that you have protected your family and in the event something happens to you, your loved ones will know that you are still taking care of them.

Buddy Hicks is a Financial Advisor with Wealth Management Group LLC an affiliate firm of Securian Financial Services and has over 18 years of experience in the financial services business. He is Life and Health Insurance licensed and FINRA registered with his Series 7 and Series 66 which allows him to be an Investment Advisor and Registered Representative of and offer securities and investment advisory services through Securian Financial Services Inc, member FINRA / SIPC. He is an Alumnus of Troy University with a Bachelor’s Degree in Business/Finance. He takes a process approach with all of his clients to help determine their goals and then works with them to put a strategy in place to help reach those goals. An area of importance of Buddy’s is his ability to intuitively listen to his clients so that he can fully understand their current situation and what their future needs are.


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