Let me start by saying something that might surprise you coming from someone in the insurance industry: I know exactly why people avoid these conversations, and honestly, I don't blame them... I think it's one of those things people avoid thinking about, not because they don't care, but because it feels heavy, complicated, or like something they'll "get to eventually." And I get it. I've seen it more times than I can count. So here's what I want to do instead of the typical d