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Most people think about purchasing long-term care insurance when they get into their 50s, or even their 60s or 70s. But if you purchase a plan when you are in your 40s you can enjoy significant savings on your premium, and even more if you purchase at an even younger age.

People who are in good health typically qualify for discounts that can decrease the cost of long-term care insurance by more than 30%.

Here's how discounts work for long-term care coverage in terms of age.

A heart attack, stroke or major organ failure can suddenly hit anybody. And when it does, life changes in a second, at first being a struggle for survival and, if the person survives, they are faced with major expenses.

Many people assume they're fully protected with a standard health insurance plan, but the exorbitant costs of treating life-threatening illnesses are usually more than any plan will cover. What can you do to bridge the gap?

President Trump's far-reaching tariffs are starting to bleed into building costs as many of the main materials used in construction are now subject to import taxes.

And as construction costs increase due to tariffs, so does the cost of repairing or replacing materials if damage occurs during construction. Rising repair and replacement costs make claims more expensive, and, in turn drive up the cost of property and casualty insurance for contractors.

In April 2025, President Trump issued an executive order aimed at slashing prescription drug prices by aligning U.S. costs with those paid in other developed nations.

The order is most likely to affect government-run programs like Medicare and Medicaid. While the order is hazy on details, experts say that if implemented well, it could reduce the prices that Medicare recipients pay for some medications.

The order also seeks to bolster Medicare's ability to get better prices through its ongoing drug negotiation program that began in 2024.

A number of changes are coming for Medicare in 2026. Although that may still seem far off, we'd like to update you on what's in store for beneficiaries to help you prepare if need be.

Since Medicare has been in the news since the start of 2025, some seniors may be wondering about their coverage in 2026. While some changes are coming, they are mostly good news and nothing out of the ordinary. Here's what's on tap.

As the one-year anniversary of California's workplace violence prevention law approaches, employers will need to take steps to ensure their continued compliance.

The law requires all California employers with 10 or more staff to have a workplace violence prevention plan and to provide training to employees on the plan by July 1, 2024. It also requires employers to revisit the plan annually and conduct new training.

Here's what you need to do before your plan's one-year anniversary.

One of the best things you can do in your senior years for your health is to stick with your annual wellness visit appointments, including completing your health risk assessment.

The visits and assessments will help you better maintain your health and potentially detect any emerging medical issues that may warrant attention. If you are enrolled in a Medicare Advantage plan, you may also receive rewards and incentives to encourage you to complete your health risk assessment and attend your annual wellness visit.

Here's why so many Medicare Advantage insurers incentivize their enrollees to stay on top of these assessments and annual wellness visits.

One of the best components of whole life and universal life insurance is that policies have several tax benefits that allow you to amass funds on a tax-free basis.

These types of policies are known as permanent life insurance, as they are meant to be kept in place, not for a finite period like term life insurance, but until the policyholder passes away.

Here's a closer look at the tax benefits permanent life insurance can offer.

Life insurance cash value is an effective, tax-efficient and flexible tool to help supplement college savings.

There are a number of ways you can use a life insurance policy to fund your child's or grandchild's higher education, while still preserving eligibility for financial aid, and more. Here's what you need to know.

For health plan enrollees, finding a doctor who accepts their plan should be straightforward since each plan typically has a network of physicians available for beneficiaries.

However, due to doctors retiring or deciding to stop accepting new patients, some plans include physicians who are no longer available to their policyholders.

Welcome to the problem of health plan "ghost networks." Here's what you can do if you encounter one.

Rapidly rising home construction costs could result in your home being underinsured if you suffer a major loss and haven't increased your homeowner's insurance policy replacement cost limits lately.

Your policy has a maximum amount it will pay to rebuild your home, and that limit should reflect the current construction costs. Otherwise, the policy may not cover a total loss like a fire razing your home. And whatever the insurance doesn't cover, you would have to pay out of pocket.

Going on vacation? Maybe you bought a trip to Cancun or Paris, or perhaps you're doing a tour of Civil War sites in the South.

While the chances of you being affected by violence on vacation are typically low, there are other risks that you need to consider: like an unexpected problem at home - such as a plumbing leak - when you are thousands of miles away, having valuables stolen, injuring yourself in a scooter crash or having your personal data hijacked.

Here's what you can do.