Nobody relishes the task of making out a will. Squarely addressing the prospect of your own mortality can be upsetting. Sitting down to prepare a Last Will and Testament is not at the top of anyone’s “this is a fun thing to do" list.

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Liability Insurance important for businesses
By Jamey Toney, ChFC®
Country Financial

The success of any business depends primarily on initiative and hard work. These aspects of business are easier to control than the possibility of losing property to a fire or someone slipping and falling on the premises.

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“Just like the state, if you don’t have a plan in writing, the IRA has a plan for you”

If the distribution of your property is important to you, you can use a will or a trust to give instructions about who gets what when you die. If you die without a properly executed estate plan, state law will determine how the probate court will divide and distribute the things you own. Of course, the state of Georgia’s estate plan won’t take your particular wishes into account. So, most people prefer to put their own plan into place.

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Life insurance may not seem like a romantic gift, but it could be the most precious Valentine’s gift you ever gave a loved one should something unexpected happen. It protects from financial loss in the untimely death of an income earner, caretaker, or even a business owner or key employee. Life insurance can play a critical role in a successful financial strategy.

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