In every successful business, there’s always a handful of people you couldn’t do without. Some are out in front. Others, behind the scenes. Either way, they are the people who make the business go. Without them, the business owner would be lost.

During May's Disability Insurance Awareness Month, Tiger Woods' recent withdraw from the Masters is a reminder that accidents can happen to anyone and have lasting effects. When it comes to your own clients, they have worked hard to build their financial future, but once it’s gone it’s too late. Make sure everything works when your clients can’t.