Introduction

It's Part of Your Financial Foundation

Disability, major illness or injury, and death can create havoc and cause serious financial hardship—if you're not properly insured. Properly managing major life risks means having the right protection so a debilitating illness doesn't put an end to your income, a life-saving medical procedure can be performed without regard to cost, and your loved ones have money to live on when you're no longer here.

These catastrophes happen to every one of us ... sooner or later. If a major illness, disability, or death happens while you're still working, lack of protection—and even the wrong protection—can mean a lifetime of savings lost. If all your money is lost, what will happen to your life or the lives of others who depend on you?

Investing for your financial future is essential before you start investing money for your retirement or your child's education. The building blocks in a strong financial foundation consist of having three to six months of living expenses in an emergency fund, minimal consumer debt, and adequate insurance protection (life, disability, health, property, liability). Having enough—and the right type—of insurance significantly reduces your risk of a future financial emergency turning into a financial catastrophe.

This section will focus on the kinds of insurance that reduce or eliminate the risk of catastrophic financial loss as a result of illness or injury, disability, and death.

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Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Heartland Bank and Heartland Planning Associates are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Heartland Planning Associates, and may also be employees of Heartland Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Heartland Bank and Heartland Planning Associates. Securities and insurance offered through LPL or its affiliates are:

Not Insured by FDIC of Any Other Government Agency Not Bank Guaranteed Not Bank Deposits or Obligations May Lose Value

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