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It happens when you least expect it -- A fall from a ladder. a skiing accident; a serious illness. No one plans to become disabled.

With the proliferation of investment and personal finance websites, investors have access to a boundless number resources and tools, once only available to financial professionals.

For anyone who has dealt with an aging parent or grandparent the concept of long term care is likely a familiar one. Those unfortunate enough to suffer from Alzheimer’s or other cognitive illness can end up requiring nursing care that can reach and exceed $80,000 per-year depending on the quality of care.

The decision to buy life insurance is one of the most important a person can make in their financial lives, and buying a life insurance policy can be one of the more difficult things a person does. Why? Because life insurance is a complex financial instrument full of many different moving parts that people need to be able to understand.