Life insurance has evolved beyond its traditional defintion. Today, it not only offers financial protection for beneficiaries, but also helps families save for their child's education, plan for retirement, and supplement for medical coverages.

In the United States, education is ususally free from pre-k through high school, but college can be extremely expensive. The more renowned the college, the higher the tuition; top programs often come with even steeper costs.

That is why it is crucial to choose the right option for your child and start saving for their education as soon as possible.

Annuity is essentially an insurance product offered by life insurance companies to help people save for retirement.

Financial institutions create and sell annuities products, receive and invest contributions from the customers,

and later provide regular payments to the customer once the annuitization period begins.

We only live once; although we all hope for lifelong health, however, accidents and illnesses are unpredicatable.

That is why it is essential to be prepared, both for ourselves and our families for events of chronic ilnesses.

Bulidng an ideal portfolio comes down to smart asset allocation. In fact, 80% of investment returns are driven by how well assets are allocated,

though many investors overlook this.

Whether you recently inherited assets, gained cash by selling stocks or other means of financial asset gain, it is crucial to strategically organize your financial assests.

Many people wonder: How much do I need to save to maintain my lifestyle when I retire? How should I plan for retirement?

Simply asking these questions shows you are already thinking ahead. After 30-40 years of hard work, everyone wants a retirement plan that ensures financial security, allows for a comfortable retirement lifestyle, and maybe even a few vacations along the way.

With the aging population, long-term care is becoming an essential aspect for consideration.

It involves not just a brief hospital stay, but often requires years or even decades of personalized support.

Therefore, it is important to incorporate long-term care planning into our lives.

In the United States and many other countries, there are two inevitabilities: death and tax.

However, with healthy and legal tax-saving strategies, you can help secure you and/or your family's wealth and prevent you hard-earned money form slipping away!