As much of the country emerges from dreary, cold, winter months, now is a great time to begin exercising more regularly and enjoying the spring warmth. Studies have shown that regular aerobic exercise, such as walking, jogging, biking, gardening and swimming, reduces the risks of early mortality by 30-35%.

The thought of buying life insurance for loved ones can create stress and tension, as no one wants to think about death and the ultimate loss of a loved one. It’s important to understand however, that the costs of care for family caregivers can create multi-generational financial challenges, as adult children continuously face the responsibility to care for parents and,