Global equities extended their gains into January, with modest appreciation in the U.S. overshadowed by more substantial gains abroad. Gains were broad-based in the U.S., with energy the only material detractor, while small cap returns were tempered somewhat after a very strong post-election period. International shares benefitted from a mild weakening of the dollar, which had appreciated aggressively into year-end, as well as a pickup in growth expectations in 2017. Interest rates were largely unchanged during the month as few anticipate a hike at the FOMC’s February meeting. Accordingly, bonds delivered positive results, with corporate credit outpacing Treasuries.

 
 
Life Insurance Basics
Life insurance is an agreement between you (the policy owner) and an insurer. Under the terms of a life insurance policy, the insurer promises to pay a certain sum to a person you choose (your beneficiary) upon your death, in exchange for your premium payments. Proper life insurance coverage can provide you with peace of mind, since you know that those you care about will be financially supported after you die.