Estate planning is for everyone. We all will eventually leave this earth. Today's grieving families are being placed in unusual situations. There’s no money to provide for the final expenses for their love ones. There has been an increased number of public and private requests for funeral donations and a number fund me pages going up. Estate planning isn’t sad; it means you are taking action. Estate planning means I love you and that I have a plan for you when I’m not here. We suggest a term policy of 20 to 30 years, it should be at least 10 times your annual income. Those are times of grief and sorrow; don’t let it be a time when people have to reach out to fulfill a need.