Comprehensive financial planning includes cash-flow, investments, and insurance. Are you properly insured? Doug answers a letter from a listener who asks about private insurance policies. How can you determine the most appropriate insurance policy, and make sure your pension plans are properly set up? Don't forget the legal implications of your financial planning and insurance decisions. Veteran lawyer Ely Rosenzveig explains the legal pitfalls of retirement planning, why women have different legal considerations from men, and what to consider if you are moving to Israel. Follow Ely Rosenzveig on his website at: www.ejrosenlaw.com You can also call him in Beit Shemesh: 02-6457067 or at his office in the United States: 914-816-2900.