For many Americans, navigating the maze of health insurance options—from employer-based plans to individual policies—can be dizzying. Much of that changes at 65. That’s when individuals generally are eligible for Medicare, which covers routine health care expenses such as visits to doctors and prescription drugs. But the program doesn't cover everything.

Did you know that your life insurance needs can vary drastically as your life changes? Most people understand that having life insurance is part of a responsible financial plan, but they are not aware that their needs can change over time. If you have found a policy that meets your needs and gives you peace of mind, you're not necessarily done.