Long‑term care (LTC) helps pay for help with daily activities, whether at home or in a care facility. Couples often ask if a joint policy makes sense. Here’s a simple guide to how shared coverage works and when it may fit your plan. What Is a Joint LTC Policy? A joint policy gives two people […]

Your income is the only way to build a financial safety net. If an illness or injury occurs, disability insurance can help replace a part of your income. There are two types of disability insurance: short and long-term disability insurance. Here’s a simple way to distinguish between them and understand how they can complement each […]

Feeling off lately? Small daily moves can lift both your body and mind. These five simple strategies are easy to start today. Bonus: Your insurance may already support many of them with covered visits, telehealth, and wellness perks. 1. Guard Your Sleep Window Aim for a steady sleep schedule. Keep your room dark, calm and […]