Life doesn’t go as planned for many of us. We have this ideal plan for a bright future but sometimes life happens to us and we have to make some major adjustments. We hear stories of a sudden loss of a friend but we never dream it will touch our lives. It can! It happened to me!

The incapacity or loss of a loved one affects many areas and leaves the friend or relative in charge with numerous decisions to make. By planning and preparing ahead of time for the “what if’s” of life you are giving one of the biggest gifts of love you could possibly give. In Module One I believe having all your own personal information, including your dependents and pet information is essential.