The Theory Of Decreasing Responsibility is pretty easy to understand! When your younger you have a lot of responsibilities, You have student loans, car loans, mortgage, kids and other debt.

You also have low income and savings. 

Because of this inverse between savings and responsibility means the need for life insurance is high, but as you get older the need for life insurance goes down, because your investments and savings should be increasing while your liabilities go down!

The Theory Of Decreasing Responsibility Does have some pitfalls however,

and creating a plan that can avoid these pitfalls is crucial!

Part of this plan should be to create a team of Insurance Brokers, Investment Advisors, and Tax Professionals to help you along your goals! Please remember I'm here for you as a free resource so if you would like me to set up a free plan or review a plan you currently have id be more than happy to do so!

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