The specter of having a severe illness or injury that requires long-term care is a scary proposition for most anybody, not to mention the financial obligations you would face.

But trying to time when the best age is to purchase a policy is not an easy decision. Obviously, you don't want to buy the policy too early and unnecessarily spend thousands of dollars on premium over your life for coverage you may not need until you are much older.
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​Spring is around the corner and, just like you do before winter, it's time to take care of housekeeping items to keep up your home and reduce the chances of problems down the road.

Parts of your home can be damaged during winter's harsh weather, particularly if you have endured storms and unusual weather.

Here are some tips on upkeep - both outside and inside the home - that you should tackle to identify issues that may be developing or to head off future problems: 
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Fires are the most common claim for homeowners, and they can start in a variety of ways. 

The causes of these fires range from food left unattended on the stove to candles left burning. A majority of these fires are preventable with some forethought and care to minimize the risks.

The New Year is a great time to prioritize home safety and review your insurance coverage to make sure you are appropriately covered. We’ve assembled some tips to make it easier and maybe even save you some money.
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One misconception about homeowner's liability insurance coverage is that it only covers incidents in the home. 

In fact, coverage under the comprehensive personal liability portion of your homeowner's policy is not limited by location. It is, however, limited by the liability caps on your policy. 
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Winter weather is tough on nearly everything, including your roof. Harsh winds, the stress of freeze-thaw cycles, and the weight of the snow can affect a roof’s structural integrity.  The damage can range from a leak to a roof collapse.

Expecting a baby is one of the most joyous experiences in life.  As you prepare your nursery, don't forget to review your insurance to make sure your coverage reflects the change in your growing family.  Below are a few pointers. 
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Not every trip needs to be insured; however, if the cost, risk of illness, or potential for interruption has you feeling cautious, then trip insurance may be a wise investment. Asking yourself the following questions may help you decide:

• Are you traveling abroad or more than 100 miles away from home?
• Are you hyper-aware of the cost of your travel arrangements?
• Are you concerned an injury or illness of you or a loved one may affect your trip?
• Are you traveling during a heightened risk of severe weather, like the winter holidays or hurricane season?
• Does your trip include pre-paid home rentals, car rentals, or event tickets?

​When considering a plan, take inventory of the components of your trip. Pre-paid vacation home rentals, car rentals, and event tickets are unique items to insure, yet they can be costly if forfeited due to an unexpected circumstance. If these costs are added to the total pre-paid price of the trip, a comprehensive travel insurance plan could protect you if your trip should be canceled or interrupted.

When you apply for life insurance or open a retirement account, you'll be asked to name beneficiaries. This is an important step in financial planning.

​Social media has grown by leaps and bounds over the past decade. What many people don't understand are the unique risks that come along with social networking.

Anyone using Facebook, Instagram, Twitter, LinkedIn or any other social networking site should exercise extreme caution in what they decide to say online.