As we come to the end of another year and another decade, we can look back and see some good things we've done and some things we can improve on.

With the uncertainty, we can no longer afford to not plan properly for our current situations and desired outcomes. It becomes more important to dedicate time to figuring out a customized solution for each situation instead of quickly setting up a product and moving on to the next thing.

It is very important what insurance products you buy....life, critical illness and disability.