The weather is cooling down, the leaves are falling, and the holiday season is on the horizon. During this time of year, we celebrate holidays that compel us to take the time to appreciate our loved ones.

In life, when deciding on major milestones, having a plan is key. A plan allows you to not only stay on track with your goals, but helps you achieve them as well. When starting a family, the same applies in a joint plan.

So, the bank approved the loan, you bought the insurance on your new house—hurricane, flood, earthquake, Godzilla, everything—and you have a steady income. You are young and know you'll be around 58 by the time you finish paying off the loan. What could go wrong?

Marriage is an exciting moment in people’s lives that initiates important changes. Few life-changing events are as significant as the big step, and life insurance is an important milestone to keep in mind.

Have you ever heard that the only sure thing in life is change? There’s no better example than these current times to tell you that it’s true.