A few short years ago, I started to worry about my family's financial future while vacationing. During our annual ski trip, I took a nasty fall, landing on my wrist. The pain in my arm made me take notice of just how fragile our financial situation was. As a self-employed periodontist, I asked myself:

  • What if I was injured while playing sports with my kids?
  • What if I became permanently disabled?
If ...

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