When there’s an emergency, we often run through a checklist inour heads of things we should have already taken care of. Do wehave a will? What will happen to our children if we’re not around?Did we invest wisely?

The reality is that most people don’t prepare fully foremergencies. Although that checklist is a good place to start, athorough personal preparedness plan is a good idea for allfamilies and a must have for high net worth (HNW)individuals with complex lifestyles.

For most insurance agents and brokers, the preparedness topicquickly translates to disaster preparedness. You know, that annualconversation you have with your client right before hurricaneseason starts on June 1. Or maybe it’s the conversation you havewith your client prior to wildfire season or spring flooding.Whatever triggers a preparedness conversation, the fact is thatmost advisors are simply scratching the surface.

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