I am lucky to have Facebook friends who are people I met when I was a financial advisor and insurance agent. We worked together to get them a financially appropriate solution to their life insurance needs. Now I watch as the families post photos of the adults (who change a little) and the children who keep growing and changing a lot. Whenever I see photos of them I just have a sense of calmness knowing they are now well in the care of their parents…and that their parents cared enough to plan for the unthinkable. Not everyone needs life insurance, but I believe everyone should have the conversation about what happens “If”.