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Independent contractors are contracted to perform work for — or provide services to — another entity as a nonemployee.

While most people will agree that responsible parents own life insurance, they won’t all agree on the kind of life insurance you should own.

Many older couples apply for short-term care policies because they waited too long to buy long-term care insurance, and the cost has become prohibitive.

The answer depends on a policy’s affordability, how much additional coverage you need, what you wish to be insured for, and your risk factors.

Becoming a doctor is a noble and rewarding career choice. But it comes with greater risk and responsibility than most other occupations.

The percentage of adults reporting symptoms of anxiety and depression increased from 10 percent in 2019 to just over 40 percent in 2020.

Most college students haven't thought about life insurance, but if you have student loans, you might want to get started.

A living trust covers a few phases of your life, whereas a living will only covers what happens if you’re incapacitated.

It’s hard to stick to your spending plan, but the right budgeting tool can help you improve your financial health and reach your financial goals.

Many insurance carriers offer hybrid long-term care insurance. This is a policy that combines long-term care insurance with life insurance.

NAIC reported that about 70 percent of people who reach age 65 are expected to need some form of long-term care at least once in their lifetime.

The biggest benefit of long-term care insurance is not having to use your own savings if you someday require long-term care.

Underwriting is the detailed analysis preceding an insurance policy's issuance, the granting of a loan, or the pricing of an IPO.

You may need to consider one or more alternatives to long-term care insurance if you can’t afford the premiums or if you don’t qualify for coverage.

Premiums that an individual pays on a long-term care insurance policy can qualify as a deductible medical expense.

Not being prepared for an emergency could lead to a personal financial crisis that takes you years, decades even, to recover from.

The No Surprises Act will be beneficial when it takes effect on January 1, 2022. Until then, you’ll need to rely on being a smart healthcare consumer.

Everyone evaluating their retirement planning should have a plan in place to deal with long-term care expenses.

If working from home becomes permanent, lower car insurance rates likely will, too, since you've eliminated your commute.

One of the first benefits people will realize from the latest stimulus package is the $1,400 per person direct payment.

You’re in this together for the long haul. Getting on the same page now will save you from a lot of trouble down-the-road.

When you lose a loved one, there are many decisions you’ll need to make. And they're not cheap.

Although contributions to the plan aren’t deductible, the earnings in a 529 plan are not subject to federal taxes.

While social media is a legitimate way to learn important financial terms and concepts, It’s a “buyer beware” market as well.

Not only has the shift to remote work affected millions of American workers, but it’s also had a ripple effect on our culture as a whole.

Our family health history impacts the potential health problems that will affect us, which in turn can have an impact on our financial decision-making.

You may feel perfectly fine today and find yourself unable to work tomorrow. A disabling illness or accident can occur at any time.