A long time Inner Circle member called me this week.  He wanted to tell me a story and hoped I would warn others so they could avoid his situation. 

Seems he was advised a few years ago to buy some Disability Insurance and considered doing so but decided not.

You know the rest of the story.  Now 5 years later he works trying to ignore the pain from his bad shoulder.  He shoulda retired, but he can’t.  Now, this is not to scare you but sometimes you just have to plan for the future and this biz has lts full compliment of physical demands.  Maybe it’s time to review your coverages, all of ‘em.