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Life insurance is an important part of a well-rounded financial plan. While it can be an emotionally difficult topic to contemplate, life insurance provides a degree of protection for loved ones in the event of a death.

Seek Answers to These Five Basic Life Insurance Most adults Questions who have dependents who rely on them should have life insurance coverage. The challenge is determining what amount of coverage is right for you. If you already have life insurance in place, is it sufficient to meet your family’s unique needs?

Here are five questions you can ask yourself to help assess the types and levels of life insurance you should have in place to protect your loved ones. #1 – Who do I want to protect?

Life insurance’s primary purpose is to provide financial resources to those who are left behind. If you have a spouse, partner, children or others who are dependent on the income you generate, your death may leave a significant financial gap unless you have the right protections in place. Start by (Financial cont’d on pg 2)

PAGE 2 (Financial cont’d from pg 1)

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provides a death benefit assessing the difference for a set period of years. it would make, not just You can also consider this year, but over the “permanent” forms of long term, if you were no life insurance that prolonger around. If you are vide a death benefit and past your working years, can have an investment you might consider component or cash value whether life insurance benefit. These policies can play a role in protect- will be costlier than term ing your estate. insurance but may be more suitable depending #2 – What expenses on your circumstances. need to be covered by life insurance pro#4 – Are there riders I ceeds? should add to my poliStart with non-discrecy? tionary expenses such Life insurance riders as your home, debts that allow you to tailor your need to be repaid, living policy to meet certain expenses like food costs, needs. These can range and childcare expenses. from premium coverage You may also want to if you should become consider non-discretion- disabled, protection ary expenses such as against accidental death money for extracurricular and dismemberment, or activities and vacations. even coverage to pay for Beyond that, it’s imexpenses related to longportant that a surviving term care needs. spouse or partner can continue to save to meet #5 – Is my current covkey goals like retirement erage adequate? or a child’s education.

If you already have Determine annual exlife insurance in place, penses and then account it’s important to review for how many years you coverage periodically to want to be certain those account for changes in expenses are covered. If your life. For starters, you are at or near retire- answer the questions ment, you may want to listed above. A thorough determine if insurance is review of all your protecneeded to provide liquid- tion needs can help enity for the dissolution of sure you have the most your estate. appropriate protection solutions in place. #3 – What type of life insurance makes sense Discussing these quesfor me? tions, and others you There are different types have, with a financial of life insurance. The advisor can help you assimplest and typically sess the most effective least expensive form is life insurance strategy for term insurance, which your circumstances.

Duane J Lusson, CFP, ChFC, CLU, MSFS, is a Private Wealth Advisor with Ameriprise Financial Services, Inc. in Ottumwa, Iowa.

He specializes in fee-based financial planning and asset management strategies and has been in practice for 30 years. To contact him, call 641-684-4200 or stop by his office at 527 W. Second in Ottumwa, Iowa.

Ameriprise Financial cannot guarantee future financial results Ameriprise Financial, Inc. and its affiliates do not offer tax or legal advice. Consumers should consult with their tax advisor or attorney regarding their specific situation.

Investment products are not insured by the FDIC, NCUA or any federal agency, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value.

Securities offered by Ameriprise Financial Services, LLC. Member FINRA and SIPC. © 2023 Ameriprise Financial, Inc. All rights reserved.

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Childlike Sydney let her daughters open one present each from under the Christmas tree before dinner.

I watched with curious interest while my six-yearold granddaughter wrote on her new drawing tablet that she’d just received for Christmas. She sat on her knees in the chair at the head of the dining room table. Her tongue stuck out the corner of her mouth as she focused intensely on writing her message. She used her right hand to push her long brown hair behind her ear, but her hair fell back into her face as she started writing again. I smiled when she dotted an I with a big heart; however, I couldn’t read her message from my angle.

“What did you write on your tablet, Evelyn?”

Evelyn blushed a little, then held the screen where I could see it. She read aloud, “I love my family.” That got me. Suddenly, I felt the warmth of the Christmas spirit rush through my heart.

I hugged her, “That’s very nice,” and said, “I love

you, Evelyn.” Then asked, “Will you hold your message so I can take your picture?” She looked adorable in her oversized knit sweater with broad horizontal yellow, pink, blue, and gray stripes. Her hair draped over her shoulder, and her soft brown eyes framed by her big glasses melted my heart. I looked at the photo on my cell phone and told her, “That’s a keeper. You’re a keeper.” Evelyn smiled with approval.

“You need to put that up for now, Ev,” her mother told her. “It’s time to eat.”

Eve hopped down from the chair, took her new toy to the living room, then returned, and sat down.

Sydney set a plate of food down for each of her daughters.

I went to the kitchen to get my dinner, then sat in the chair next to Evelyn. I was hungry and wasted no time digging in. I wanted to post Ev’s photo, so I ate rather quickly.

While the family finished eating, I opened my phone and Facebook page. Ev softly said something to me, but I didn’t hear her, so I asked her to repeat herself. “I said no screens at the table, Papa.” I hesitated for a moment, then explained to my granddaughter that I wanted to get her photo posted. Ev reminded me, “It’s your rule, Papa. You made the rule, ‘no screens at the table.’” Wow, I felt like a deer in headlights.

I was just put in my place by a six-year-old and I had no rebuttal.

“Yes, that is correct, Ev, and the rule is for everybody – including me,” I said as returned my cell phone to my pocket.

“Thank you for reminding me.”

I accepted Evelyn’s correction with grace and humility. All the while silently acknowledging, ‘Yo, Papa.

You were just out-witted (Just the Other Day cont’d on pg 5)

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Somebody Else’s Hunt Tuesday morning, my wife and I were watching the news and drinking coffee, trying to instill some motivation for the upcoming day. Shortly before 7:00, the telephone rang. Since it was closer to my wife, she had to answer it. The message she received seemed rather urgent but provided little detail. The information my wife received and conveyed to me was that Damon was with the coyote hunters starting on a road about a mile west of the house, moving to the east. I might want to cover the area around our lake in case a coyote breaks into the open there.

When a coyote is on the move, they can cover a lot of ground in a hurry. If they do not want to be pushed, it can take a long time to cover that mile. To be sure, I wanted to get in position as quickly as possible. My rifle still had the 350 Legend on the upper from deer season. Though the 350 would work well to bring down a coyote, the 5.56 upper has much greater long-range accuracy. I quickly switched barrels, put on a heavy coat, and went to the porch to wait.

The porch makes a perfect spotting point to cover open areas up to 800 yards away in some places. I pulled up a chair, braced the rifle barrel on the porch railing and began scanning for move-

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ment. The breeze was cold as it circled around the side of the house and hit me in the face. It did not take long before I sneaked back into the house for another cup of coffee. I continued to scan the area with binoculars and the rifle scope.

Though I was hoping, I did not hear the baying of dogs, hot on the trail of a coyote. About fifty geese and a dozen swans floated around the island, staying out of the wind.

I saw a half dozen deer come down from the top gate to the water’s edge to get a drink. They did not seem to be getting away from the dogs or hunters.

Something spooked a turkey that flew down toward the dam. I took this as a good sign that action was headed my way. An eagle circled around and went back toward the west. This was not a good sign. If a bunch of dogs and hunters were coming through the timber, he would not be flying toward them.

After sitting in the cold for an hour or so, I decided to call Damon to see what was going on. The neighbors had a calf get out, so the group of hunters were working at getting it back in. They should be turning the dogs loose in a few minutes. That seemed like a good time to go inside, warm up, and get another

cup of coffee. I stayed inside until the feeling returned to my fingers and toes. I also put on a few more clothes.

I was more prepared for the weather when I again resumed my watch position on the porch. I had only been back out there for about ten minutes and rather enjoying the hunt when Damon called again.

When they cast the dogs, they picked up the trail of a coyote going west. The dogs were headed the wrong way if they were going to get any help from me.

I returned inside to comfort of my chair near the coffee pot. I did not have any results from somebody else’s hunt, but I also had little invested in the effort except time.

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(Just the Other Day cont’d from pg 3)

by a six-year-old.’ Well played, Evelyn Jo. Very well played.

Sydney encouraged the girls to clean up their plates, “After you eat your dinner, we can open more presents.” Evelyn’s response was priceless.

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felt very content, brimming with the festive spirit, as I sat on the couch, taking it all in. I took great satisfaction in noticing that the most expensive gifts were not necessarily the favorite gifts.

Toys were far more popular than clothing, except with Addison. She immediately fell in love with the “I don’t need any more Zelda hoodie Nana Mac presents,” Evelyn said. gave her. Addie slipped “I’m just glad my family is into the shirt right out of together and happy.” Wow. the wrapping paper and I was genuinely filled with wore it the rest of the the meaning of Christmas evening. at that very moment.

Two presents remained, Sydney replied, “So I can leaning against the wall by take the rest of your pres- the Christmas Tree after ents and return them?” all the other presents had “No, Mom,” Evelyn quickly been opened. Although it was obvious what was clarified. “I said I don’t inside the wrapping paper, ‘need’ more presents, I Addie and Ev were excited didn’t say I don’t ‘want’ to unwrap their new snow them. There’s a differsleds – short, colorful ence.” Again, wow. Well played, young lady. Evelyn toboggans perfectly sized 2 – Team Parent/Papa 0. for one or two adventurous riders.

We reconvened in the Addison stood holding living room, where Addie and Ev sorted and distrib- her sled, “What is going on here, family?” She uted gifts from under the demanded with legitimate tree to each person. The concern, and quite anfire burning, the lighted Christmas tree, and stock- noyed as she pointed out the facts, “We live in ing hung by the chimney with care all added to the Minnesota, people. This is December. It’s Christmas. perfect setting. MeanIt’s supposed to be snowwhile, Sunnee and Nova ing outside, not raining.

Mae (two curious dogs) anxiously sniffed presents, How can we ride our sleds without snow?” wondering if there was anything inside for them.

Her points were valid

and kicked forward, inching the sleds across imaginary snow until he reached the dry, hardwood floor. The way they laughed and carried on, one would think Addie and Ev were racing down the steepest snow sledding hill in all of Duluth. Everyone shared in their thrill.

I felt their optimism while I watched the girls pull their sleds back up the hill and race down again. I began to think about the new year approaching and what resolutions I would make.

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Dr. Nicholson has more than six years experience specializing in orthopedic surgery, including hip, knee and shoulder replacements, fracture care, sports injuries, joint injections and more.

“My passion is to improve the quality of life for my patients by treating their musculoskeletal pathologies through both nonsurgical and surgical interventions in the field of Orthopaedic Surgery” said Dr. Nicholson. “I believe in patient centered care and going above and beyond for my patients to get them the care that they need.”

An Iowa native, Dr. Nicholson graduated from Ottumwa High School and went on to attend the University of Iowa where he completed his Bachelor of Science in Integrative Physiology. He obtained his medical degree at the University of Iowa Carver College of Medicine and performed his residency at the University of Iowa Hospitals and Clinics Department of Orthopedic Surgery.

I avoid making New Year’s Resolutions; they never seem to last. Instead, I got up from my seat.

I had Evelyn sit down on her sled, and I took the tow rope. Evelyn started to fall backward when I began pulling her sled through the snow. Quickly and well made; however, clutching the side handles, “We’ll take turns opening something as minimal as Ev steadied herself holdpresents,” Sydney anthe lack of snow would not ing on for dear life as we nounced, “starting with the stop a creative tenand sped down hill jostling youngest first and working six-year-old from having over the snow. “Watch out our way up to the oldest. fun. for the coffee table, Dad,” “That means I’m last,” I Sydney warned. Silly The girls positioned their complained in childish Sydney! new sleds flat on the jest. carpet – a light cream“That’s not a coffee table,” “That’s the way it is, Papa colored carpeting that I told their mother. “It’s a almost looked like snow. because you’re the oldtree! Who planted a tree est,” Addie explained logi- Holding the tow ropes, the in the middle of a snow two stood on their respec- sledding hill?” Evelyn cally, helping me understand. I smiled and settled tive sleds like surfboards. skillfully maneuvered her They hopped, jumped, for the order of things. I sled. Narrowly missing the

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hazardous obstacle on her course, she continued to race to the bottom of the hill.

joy in the simple things as they do?

Their words replayed in my head, “I love my family. I don’t need any more I was winded by the end of the run. Evelyn took the presents… This is Minnesota; it’s supposed to be tow rope from my hand snowing…” and began trudging right back up to the top of the slope, her lightweight sled In the coming year, I will strive to live more childbouncing over the snow like. I want that spirit to behind her. Meanwhile, radiate from me, hoping I sat down on the park bench to spectate. “Maybe it positively affects others. Now remember, I said I will make a resolution more childlike, not childthis year.” ish – there is a difference.

But if riding down a hill of As I watched my grandsnow made of nylon cardaughters, I wondered pet in my daughter’s living how much easier life room seems childish, then would be if I could share so be it. some of their energy, innocence, curiosity, imagination, and carefree vigor, To live life more childlike.

Who’s with me? while seeking adventure and thrill. What if I found

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