Myth #1: If I invest wisely, my family's financial future will be secure.

That may be true if you live long enough to achieve your financial goals, but what if you don't. Will your family have enough money to live the kind of life you want for them? A nice home. A good education for the kids. A comfortable retirement. Life insurance provides a financial safety net, helping to ensure that your family's financial hopes and dreams will be realized, even if the worst happens.

Myth #2: My financial plan protects me from risk because it's highly diversified.

Portfolio diversification is generally considered a sound strategy for protecting your investment program, but don't confuse your investment plan with your financial plan. What would happen to your ability to save and invest if you died or were injured or too sick to work? Only life and disability income insurance will help complete your financial plan if you cannot.

Myth #3: I can't afford to include insurance in my financial plans.

Most financial advisors would tell you that you can't afford not to have adequate insurance coverage. Life and disability income insurance help make sure that your savings and investment plans won't be derailed if your income disappears because you die or become disabled. And when it comes to cost, there are wide ranges of products from which to choose, and a qualified insurance professional can help you find the ones that will meet both your needs and your budget.