By Paul Morrone CFP®, CPA/PFS, MSA
How do you spend your 168 hours a week? If you’re still working I’m willing to bet most of it is consumed between time at the office and sleeping, with a handful of hours a day devoted to family, friends and hobbies. If you’re retired, you may have some more time to do things you enjoy. Regardless of how you spend your time, having the correct insurance plan to mirror your lifestyle is a key component to any risk management plan. You’re probably thinking that your basic homeowners or auto policies are sufficient, but what if they aren’t? How about your life insurance or disability income insurance? Can you or your family recover from a loss? Can you insure against it? Let’s look at insurance outside of the box.