Life Happens!

You just never know when "life will happen" to you. In my business, I see this everyday. Regular people who find themselves at the wrong place at the wrong time. In the past month, I have had clients, friends, and family that have experienced the following:

• being attacked by car thieves
• being run over by a bicyclist
• hitting a live wire while excavating a driveway
• being in a 5 car pile up on the roadway

Look, life happens, whether we want it to or not. No one knows what the future holds. Hopefully, only good things are in store for you. But realistically, bad things will happen too. You may not be able to control your future, but you can look it straight in the eye. You don't have to get wet when it rains. You can carry an umbrella.

Or in my case, have a protection plan - "Shugo."

The key to planning is doing it before you need it. So if you are attacked on the street, you have practiced your martial art ahead of time and can confidently handle an attacker. And if you end up in an accident, well, you have an effective disability plan that will pay you income (tax-free) when you can't work.

Planning won't guarantee you'll never face a tragic situation, just as wearing a seat belt won't keep you from crashing your car. But it will provide your family with financial protection. And whatever hopes and dreams you have for your loved ones can still be realized, even if the worst were to happen.

Keep practicing, keep planning.

Ninpo ik kan, my friends ...

David L. Holzer
Insurance Advisor & Martial Arts Guide