Money Moves: In this episode we discuss the fundamentals of life insurance and how it can be used as a wealth strategy. Ebony Ruffin, a native of Montgomery, Alabama, grew up in the Army life, as her mother was active duty military. Ebony experienced the opportunity to travel the world and see life on a grand scale. Through this experience, she was taught and learned early in life the importance of saving, life insurance and securing the right financial products. With Ebony's passion for finances, it was no surprise Ebony earned a Bachelor of Science in Business Administration with a major in Finance from Auburn University and a Master of Business Administration in International Business from Mercer University. Throughout her career she's led finance and accounting departments in various industries as a Credit Supervisor, Accounting Manager, Director of Finance and 401 (k) Plan Administrator. She continues to serve her greater purpose in life of creating financial awareness through her business-consulting firm, Ruffin Consulting Services. Through Ruffin Consulting Services she offers effective business solutions for business owners and families with life insurance products and living benefits. It's not just Ebony's foundation and education with money that's important, but it's her real life experiences that lend a greater value to her passion of creating awareness of the need for life insurance. Clients often consult with Ebony because of a referral but later become repeat clients and continue to refer family and friends. She is known for her ability to explain the fundamentals of life insurance and help clients identify the best type of life insurance for their needs. Talking Points in this episode: * What is life insurance? * What are the different types of life insurance? * Why men struggle to get life insurance? * Why women struggle to get life insurance? * Why employees are setting themselves up for failure if life insurance through their employer is their only life insurance coverage. * What is Ebony’s story with life insurance? * What is on a life insurance application? * Financial strength rating of life insurance company Connect with Ebony Ruffin of Ruffin Consulting Services: IG @ruffinconsultingservices Web: www.ruffinconsultingservices.com FB: https://www.facebook.com/ruffinconsultingservices/ Life Insurance Resources: https://ruffinconsultingservices.com/shop-2/ Email: eruffin@ruffinconsultingservices.com