Risk management doesn’t only apply to your portfolio, it applies to risks to your family should the primary wage earner or the primary care provider to your children suffer an unforseen event.  The death or disability of either can have a devastating financial impact upon a family already dealing with a devastating emotional situation.  Assuring that your family will have the resources necessary to maintain their lifestyle or care for the disabled family member requires thoughtful insurance planning.  While it is not advisable for all clients, depending on your financial and family situation, having adequate life insurance, disability and/or long term care insurance may be protection your family needs.