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Insurance can do a lot at different stages of your life. As you are in the asset accumulation phase, you may need insurance for asset protection. This can mean life insurance to pay off a mortgage or put a child through college, or it might be disability insurance to pay bills should you be unable to work. As you get older, your needs change and so do the types of insurance you might be thinking about. You may be thinking about long term care planning and what elder care starts to look like.
Here are a few examples of what you might be thinking about: