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Explainer: What is Long-Term Care Insurance?

It’s not something you want to think about, but most of us will need long-term care at some point in our lives. In fact, according to the U.S. Department of Health and Human Services (HHS), once a person reaches age 65, they have almost a 70% chance of needing some type of long-term care services in their remaining years.1The need for care may develop suddenly...

Life Insurance: A Family Conversation on Financial Security

You care enough about your family to protect their financial security with life insurance. But, as crucial as that coverage is, it’s equally important to make sure your loved ones know what your insurance does for your family and how it works — well in advance of the day it matters most. Everyone should grasp the purpose, function and (most importantly) benefits of their protection.So,...

Writing Your Will: Common Questions and Simple Tips

Have you thought about your final wishes in life?We know it’s not a particularly fun topic to discuss. But the truth is, writing a will is an important step to help your loved ones in the event of your passing. (So is choosing the right life insurance.)If you’re one of the 60% of Americans without a will or if you just haven’t updated yours in...

Life Insurance for Single Parents

Why Do Single Parents Need Life Insurance?Purchasing a life insurance policy is a smart idea for any family. But in single-parent households, the need is even more important.In a 2022 study from Life Happens,1 two in five parents said they are “barely” or “not at all” financially secure. And when it comes to losing the primary wage earner, the same study found 44% of families would...

Top Three Reasons Why People Buy Life Insurance

Before you get life insurance coverage, you should understand why you need it. While there are many reasons to buy life insurance, the most common reasons include:Final expenses: Final expenses refer to any expenses related to someone’s passing. This can include a casket, funeral, preparations, memorial service, cremation and more. Life insurance for final expenses is worth considering—after all, the National Funeral Directors Association reports that the median price...