Where to begin…? Like many of you, wife Leah and I are homebound on our ridge top in Tesuque, safe, well fed and basically healthy for now…as far as we know. We count our many blessings as we are trying to be compliant with all the new guidelines, following recommended precautions, and only going outdoors…

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Accident insurance pays a benefit in case of accident, right? Disability insurance pays if there is a disability. Fire and flood insurance pays if there is a fire or flood. You get the picture. So, doesn’t it make sense that life insurance pays something during your life? Well, it certainly can. Most of today’s policies…

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