Insurance Insurance Is Critical and Often Overlooked. It's hard to know exactly what the future may hold, which is why it's important to be prepared. Insurance is a great step in the right direction. Life Insurance Life insurance is a contract between an insurer and a policyholder in which the insurer guarantees payment of a death benefit to named beneficiaries upon the death of the insured. The insurance company promises a death benefit in consideration of the payment of premium by the insured. Long-Term Care Insurance Long-term care (LTC) insurance is coverage that provides nursing-home care, home-health care, personal or adult day care for individuals above the age of 65 or with a chronic or disabling condition that needs constant supervision. LTC insurance offers more flexibility and options than many public assistance programs. Source: Sharper Insight. Smarter Investing. (n.d.). Retrieved March 7, 2019, from https://www.investopedia.com/ A Look at Whole Life Insurance Whole life insurance remains in force as long as you remain current with premiums. Here's how it works. Learn More Assess Your Life Insurance Needs This calculator estimates how much life insurance you would need to meet your family's needs if you were to die prematurely. Learn More Long-Term-Care Needs Determine your potential long-term care needs and how long your current assets might last. Learn More Have a Question? Let Us Know! Name Email Phone Question Thank you! Oops!