With the hard times that we all are facing now, our mortality comes in to question even more than ever. We see and hear of friends, family, friends of family and out right strangers getting sick and falling into serious medical problems, we cannot help but ask the question what if it were us. I have been getting calls about having discussions concerning life insurance with my clients. I understand the concern and it is justified, unfortunately most only think about these things when something happens, even though it is a discussion that needs to occur well before things go wrong. We will get past this issue, and hopefully we will be better prepared for what comes next.