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Nothing can devastate a family more than a crisis, where either a loved one passes away or even becomes permanently or temporarily incapacitated.

However, there are steps we can all take to mitigate the financial damage and make sure that you and yours are proactive and well-prepared for any emergencies that might arise.

As everybody knows, 2020 threw a lot at us. And it's safe to say that the majority of us weren't prepared. So let's start the new year off right and change it all around!