September is Life Insurance Awareness Month. It’s also time for a financial rendition of a classic Hollywood film. Remember (if you’re not a millennial), the 1946 drama, It’s a Wonderful Life? The main character, George Bailey, loses all his business’ money when his Uncle Billy unsuccessfully tries to deposit it in the bank.

Mr. Potter, the film’s antagonist, finds the misplaced money and hides it from George. In short, George ends up contemplating suicide until an angel (Clarence) shows him what life would be like if he was never born. He realized all the people he’s touched, and how his life is truly wonderful. Flash-forward to George’s retirement…