Insurance Insurance, is that spare tire, extra water or blanket you carry in your car just in case….During our working years, the greatest need is normally life and disability insurance. In retirement, some people want to insure a portion of their income, annuities maybe the best source.Long Term Care Insurance is a pure estate preservation tool. One, it makes sure the other spouse is not left penniless, and then it makes sure the kids will have some inheritance.And finally, not thought of as insurance, but most people need some form of estate planning, either thru the use of a Family Trust or other tools, to protect your heirs from losing what you have acquired because of Probate laws.Most people can’t afford to be 100% Insured. Most of us need to accept some risk on our own. Together we work to determine what are your acceptable levels.