There are three opportunities to utilize insurance in the process of generating a financial or estate plan. Insurance can be used to bridge gaps in your current financial plan during your working and retirement years, and to help create an estate plan for the efficient distribution of your assets. Insurance also plays a key role in risk management. It resolves issues around the risk of a premature death and the effect this has on wealth creation. Insurance also addresses the risk of estate shrinkage on death due to capital gains and income tax liabilities. Lastly, insurance eliminates current taxation on pools of capital exposed to taxes on fixed-income investments. Click on the link to learn more.