More and more families are being struck by unexpected tragedy, and they have nothing in place to help with the expenses. Why? We all know that day is inevitable, it's the one thing we know beyond a reasonable doubt is going to happen. Why aren't we planning for it? Put some procedures in place now. Families are suffering, being left with a financial load. Plan ahead! It is necessary. If you have questions on what steps to take, ask them. If I don't know I know someone who does.