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If you leave or lose your job or retire, you could lose your life insurance coverage and have no protection which is why you should have an individual life insurance policy outside of your employer. Insurance is based on two main factors, your age and your health. So, if you wait until you don't have your employers' coverage you could be older which will cost you more money and/or your health may have decline which could place you in a "rated" status or worse, you could be decline. You are the youngest and healthiest you will be, so the best time is now to take advantage of your age and health.

While life insurance is often thought of as something you leave to your beneficiaries after you have died, there are ways you can use your life insurance while you're alive. This can be used to pay down debt, down payment for a home, college education, retirement or simply to help finance major expenses. But not every policy allows you early access. We can discuss which is best for you and your family.

An immediate annuity begins paying out as soon as the buyer makes a lump-sum payment to the insurer. A deferred annuity begins payments on a future date set by the buyer. A fixed annuity guarantees payment of a set amount for the term of the agreement. It can't go down (or up).

It's never too early to begin saving for your child's college fund. However, the earlier you get started, the less burden you have and the less you have to put away. Time is your greatest asset.