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Most people do not want to think about death or dying but planning for this eventuality is best done earlier rather than later. Life insurance premiums are typically lower if you buy them at a younger age. In addition, having a proper life insurance plan will pay for your funeral costs instead of leaving this of hefty expense to your loved ones who might not have the funds to cover it.

In terms of insurance, many people do not research long-term care insurance, which can make a significant difference to your quality of life in your later years. Long-term care insurance, depending on the type of policy you choose, can cover costs associated with everything from a nursing home to a private duty nurse.