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The most important asset we own is our health – our ability to get up every day and do what we love to do (we hope that is the case). It is our ability to provide the lifestyle we live for ourselves and our families that motivates us. For some, lifestyle is everything “cars or trucks”; for others it is travel. Some like to cook and enjoy entertaining, while others like to eat at different restaurants all the time so they can taste the different cuisines. But for all of us, it is our families. We start out in our work life just trying to earn enough to pay the bills. Over time, that income can far outpace just paying the bills – it can afford us a different type of lifestyle. And usually, that means both spouses are working and earning. What if something happened to one of you to the extent that you could not work – either for an elongated time or forever? What would that look like in your world? Could you continue to make the mortgage payment on that new house, or the payment on that new car? Could you continue to travel to exotic locations? Would there be enough money to even pay the PG&E and put food on the table? And what about the added expense that a prolonged disability would cause us to incur?

We insure our cars and homes and jewelry. Doesn’t it make sense to insure the biggest asset we have – our health and ability to bring home “the bacon”? I know that people would rather wait than pay out money to be used only in the event of an emergency. Life happens to us all. To what degree that will happen, what it will look like, is only anyone’s guess. There are many options when looking at “paycheck protection”. Surprisingly, it might easily fit in your budget. 

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