This book offers a comprehensive guide to insurance and financial planning, debunking common misconceptions and providing key strategies for smart coverage. Drawing on 40 years of experience, the author presents practical advice on managing life’s major risks—disability, aging, illness, and death—while integrating insurance with investment principles. It is ideal for readers seeking to optimize their insurance plans across different life stages, from singlehood to retirement. The tone is informative and accessible, helping readers make cost-effective decisions and build a balanced financial portfolio.