Nobody plans to get sick and die, but everybody does it anyway. In life, not much is certain but one thing I know for a fact is…you and I are going to die sooner or later. What else do I know for certain?  Besides the fact that we will die, those of us who are alive are going to need money to LIVE.  What else do I know for certain? Well, I would bet my bottom dollar that you and I will get ill and/or injured sometime in our life before we die. And you can take that to the bank!!!

This last year was one of those WAKE up call years for  me.. My daughter's boyfriend’s brother got in a car accident and died. He just graduated college and had a fiancé and a baby on the way. He had just signed with a professional team to play football. My best friend’s sister’s son also got in a car accident and died. He was in his early 20’s as well. My daughter’s best friend’s brother got in his second car accident and was intensive care. He made it. My best friend’s husband was in the hospital for five days with MS.  Another one of my best friend’s baby died several years back… and the stories go on. What became abundantly clear was that death and illness are NOT exclusive to the elderly. Yes, of course, I knew that…but it didn’t touch home until it touched home. Unfortunately, until it happens to you or someone close to you, you don't think about it - until it is too late! We know we are not immune, we just don’t bother to plan because we don’t want to think about it. Most of us are NOT alone, and we MUST think about it - we must take action and plan for BOTH the unthinkable and the inevitable. It is tragic to think that we may leave our loved ones in a lurch, but it would be disastrous to outlive our income! Either way we need to plan and prepare ourselves for the inevitable, we will only add more burdens to ourselves and our loved ones at the very time we can least afford new financial and emotional burdens. People don't plan to fail, they just fail to plan.

Accidents and illnesses are random and can be life altering.  Nothing is worse than having to go through the grief of losing a loved one. Nothing EXCEPT…having to go through the grief of losing a loved one AND potentially losing your home, your business, your retirement and savings or college funds for your children and completely turning your life upside down and backwards trying to cope with financial hardship or utter ruin.  We can’t promise you won’t ever get ill or injured or die…..in fact we can guarantee at least one of them and most likely all of them will be in your future, but what we can guarantee is that we will make you aware of what you CAN do to financially protect yours and your loved one's best interests. Now that’s piece of mind at a price you can’t afford not to have.

Margo Kelly & Associates….provides alternative solutions to health and wellness, member benefits through membership in nationwide organizations that provide additional savings for businesses, the self employed and families including insurance coverage for those seeking a more affordable and flexible health plan.  We also provide life insurance, annuities, Medicare supplements, and long-term care solutions for you and your loved ones by companies who are strong financially. We represent companies with an A rating, who we think will give you the biggest bang for your dollar. Let us help you….to help yourself.