The best time to prepare for a crisis is before it happens. Have immediate access to important documents and leave instructions to those acting on your behalf so you and your family have everything necessary to handle matters quickly and efficiently in the event of a crisis.

Have more time to do the things you enjoy. Today's accelerated pace, long work hours, being a caregiver, and managing a family's needs can be overwhelming. Insure that tedious, but necessary, tasks such as bill paying, bank reconciliations, income tax paperwork, and organizing family records don't get out of hand.