So, right now, take a brief moment to be thankful and enjoy the present, whatever that may look like for you. Remember, it could almost always be worse, and somewhere in the world someone or many the world over may call you lucky.
Next, take a real hard look at your life as objectively as possible. Think especially of the people in it and closest to you... your loved ones. For most people that is their family. What does the future hold for each one of the family members? Only God knows for sure.
It is just this uncertainty of the future that anyone with dependents must address and manage. Risks must be identified and mitigated, future liabilities funded, etc. This is usually not a complex planning process, and is often executed with the placement of insurance on the lives of those whom others depend upon.
So, with nearly the full year ahead of us, set the time aside today to review your personal insurance portfolio and plan, especially if you have had life changes such as a marriage, birth of a child, job change, parent needing log-term care, etc. since your last review.
Done properly, this review and planning process with a professional insurance advisor could literally be one of the most important financial planning steps you can take in your entire life.
Best wishes to all, for a happy, healthy and prosperous 2013!