Is Your Financial Security at Risk?

The topic of insurance is not sexy by any means. Perhaps that's why so many people avoid addressing it. Another reason may be a bit more subconscious--the avoidance of future, indeterminable events, in favor of present-day issues with more certainty.

You are probably aware that many Americans are vastly under-insured. Home and auto insurance are important, and most people have that covered. What I am referring to, more appropriately, is your (1) life insurance, (2) long-term disability insurance, (3) liability insurance, and (4) long-term care insurance.

It is almost amusing to see someone walking around with a $60 cell phone that they have paid to insure, while their multi-million-dollar body is completely unprotected!

I said almost! Before addressing a client's investment situation, I always ask them to first consider the following four questions:

If you were to die, would your family have enough money to both pay off the house and live off the earnings from your savings?

If you were to injure your back, would you be able to cover the rehabilitation once your short-term coverage ran out?

If you were to develop a long-term debilitating illness, could you afford $90,000 per year for excellent home care?

If you've answered "no" to any of these questions, you might want to consider re-evaluating your level of protection.

© 2004 Matthew S. Clement, All rights reserved

Matthew S. Clement is a financial planner and investment advisor representative with Financial Network Investment Corporation, member SIPC. He provides holistic wealth management and retirement planning to individuals and businesses. He can be reached in New York at (845) 942-8578, or by email: ClementM@FinancialNetwork.com.

---

Google News Updated : Sun, 07 Sep 2008 14:08:18 GMT Malkovich gets mad in Coens' 'Burn After Reading' - The Associated Press Canada.com Malkovich gets mad in Coens' 'Burn After Reading' The Associated Press - 36 minutes ago TORONTO (AP) - The Coen brothers' new movie gave John Malkovich a chance to blow off some steam. Malkovich's seething character in "Burn After Reading" bursts out in perpetual tantrums, a nice exercise in anger management, according to the actor. Toronto Film Festival vs. Brangelina – Who Gets the Spotlight? eFluxMedia Pitt Rocks to Madonna FOXNews Newsweek - Dallas Morning News - Los Angeles Times - Reuters all 331 news articles Publ.Date : Sun, 07 Sep 2008 13:31:53 GMT Suicide blast kills 35 in Pakistan; Zardari set to take power - International Herald Tribune Boston Globe Suicide blast kills 35 in Pakistan; Zardari set to take power International Herald Tribune - 53 minutes ago AP, The New York Times PESHAWAR, Pakistan: The death toll in a devastating suicide blast has reached 35, officials said Sunday, as Pakistan prepared for Benazir Bhutto's widower to take over as president. Pakistan's Zardari urged to change image and focus Reuters Pakistan's Zardari prepares for presidency AFP PRESS TV - Los Angeles Times - Monsters and Critics.com - Xinhua all 3,657 news articles Publ.Date : Sun, 07 Sep 2008 13:14:31 GMT Health Buzz: Immunosuppressive Drug Warning and Other Health News - U.S. News & World Report dBTechno Health Buzz: Immunosuppressive Drug Warning and Other Health News U.S. News & World Report - Sep 5, 2008 The Food and Drug Administration has asked the manufacturers of Humira, Cimzia, Enbrel, and Remicade—which belong to a class of medications known as tumor necrosis factor alpha blockers (TNF-alpha blockers)—to strengthen the warning for risk of fungal ... FDA urges more caution over TNF blocker infections Reuters Arthritis Drugs Linked to Risks From Infection New York Times WebMD - eFluxMedia - Scientific American all 622 news articles Publ.Date : Fri, 05 Sep 2008 15:23:08 GMT Federer is set for his fifth consecutive US Open final (Keystone) - Swissinfo San Diego Union Tribune Federer is set for his fifth consecutive US Open final (Keystone) Swissinfo - 29 minutes ago Switzerland's Roger Federer has won his semifinal at Flushing Meadows against Novak Djokovic of Serbia in four sets, 6-3, 5-7, 7-5, 6-2. Video: Federer Beats Djokovic to Reach US Open Final AssociatedPress Federer Reaches Final Before Rain New York Times BBC Sport - Los Angeles Times - Fort Worth Star Telegram - Boston Globe all 2,879 news articles Publ.Date : Sun, 07 Sep 2008 13:38:36 GMT Fannie, Freddie Capital Concerns Prompt Paulson Plan (Update1) - Bloomberg ABC News Fannie, Freddie Capital Concerns Prompt Paulson Plan (Update1) Bloomberg - 1 hour ago By Dawn Kopecki and Alison Vekshin Sept. 7 (Bloomberg) -- Treasury Secretary Henry Paulson decided to take control of Fannie Mae and Freddie Mac after a review found the beleaguered mortgage-finance companies used accounting methods that inflated their ... Video: Obama Calls for Changes in Mortgage Giants AssociatedPress RPT-US Treasury sets news conference;GSE plan expected Reuters MarketWatch - New York Times - USA Today - Forbes all 2,446 news articles Publ.Date : Sun, 07 Sep 2008 12:59:54 GMT Michigan spared sting of West Nile - Detroit Free Press Michigan spared sting of West Nile Detroit Free Press - 6 hours ago BY SHERI McWHIRTER • RECORD-EAGLE • September 7, 2008 TRAVERSE CITY -- West Nile virus hasn't seriously bitten Michigan this year and seems to have spared the state's northern reaches. Yes, the mosquitoes were nasty this summer Yakima Herald-Republic Aerial survey being conducted to find mosquito breeding grounds San Jose Mercury News Lower Hudson Journal news - San Francisco Chronicle - Shelbyville News - Los Angeles Times all 362 news articles Publ.Date : Sun, 07 Sep 2008 07:53:44 GMT Reuters Entertainment Summary - Washington Post Reuters Entertainment Summary Washington Post - 3 hours ago VENICE (Reuters) - Eleven days of red carpet galas, 21 films in competition and countless interviews, photo calls and parties at the Venice film festival boiled down to just one man in the end -- Mickey Rourke. Aronofsky Gracefully Wrestles Golden Lion Out Of Venice eFluxMedia Buyers mixed on Toronto films Hollywood Reporter San Jose Mercury News - Bloomberg - Variety - Los Angeles Times all 509 news articles Publ.Date : Sun, 07 Sep 2008 10:41:41 GMT Merchant Datafeeds Amazon RSS Feeds

PARLOT::Ebooks, Scripts, Websites, and more...

Adsense websites

What Is Meant By Automobile Insurance Standard Coverage?

Automobile insurance standard coverage is the basic amount of insurance... Read More

A Guide to Insuring Your Sailing Dinghy

If you've just bought a dinghy or are thinking about... Read More

Business Insurance ? And What You Need To Know

Getting your business up and running is exciting, challenging and... Read More

Everyone Wants The Cheapest Automobile Insurance Quote

When you are looking for an automobile insurance quote, the... Read More

Car Insurance Monitoring for Discounted Insurance Rates - Privacy Devouring Monster Eating Us One Bi

For a price, would you let car insurer along for... Read More

Converting An Unwanted Life Insurance Policy Into Ca$h

Do You Own A Life Insurance Policy That You No... Read More

Indemnity Insurance For Landlords

As a property owner it is essential to protect yourself... Read More

Are You Running the Risk of an Uninsured Business? Beware & Get Business Insurance

Human life is precarious and so are the activities they... Read More

Cut Business Insurance in 8 ways

1. Comply with recommendations from company engineers and loss control.... Read More

Insurance or Assurance - Do You Need Reassurance?

Insurance versus assurance: what is the difference?Should you care?Yes!!The world... Read More

Health and Dental Insurance Quotes - Applying Online

Since 2001, large health and dental insurance companies such as... Read More

Life Insurance Information

Life insurance is a personal insurance plan designed to pay... Read More

Finding California High Risk Truck Insurance

California high risk truck insuranceIf your are in need of... Read More

Useful Tips on Reducing Insurance Costs

Most people want lower insurance costs but are often too... Read More

Discount Life Insurance Will Give You The Best Protection You Need

There is always a chance that there is a better... Read More

Facts About Renters Insurance

If you rent an apartment or house, you might consider... Read More

Flat Insurance in the UK

What are the factors involved in flat insurance? Do I... Read More

Discount Auto Insurance

Whether you are looking for car insurance in Canada, the... Read More

Insurance Glossary of Terms

Assured - Those insured under the terms of an insurance... Read More

What Are The Auto Liability Insurance State Minimums For My State?

As you shop online for the best auto insurance deals... Read More

A Life Insurance Quote Became Reality

Life insurance quoteThank goodness John took his life insurance quote... Read More

Can I Really Get Life Insurance, No Exam Required?

Changing the way that life insurance is bought and sold... Read More

Will Online Automobile Insurance Quotes Really Save Me Money?

If you're looking to save money on your auto insurance... Read More

Auto Insurance In Texas

If you are looking for auto insurance in texas, you... Read More

Buildings Insurance and the Threat of Flood

What is the impact of increased flooding risk in the... Read More