Later adulthood brings with it just as many changes and opportunities as the bloom of  youth. If you have children setting out on their own paths, many aspects of your financial  life and priorities change. And whether you have children or not, approaching retirement  has a way of crystallizing your financial focus.

At this stage, you may very likely be at the height of your earning power and near your  peak savings as you lay the groundwork for retirement. During this final leg to retirement–  and throughout your retirement period–wealth protection is critical.

Preserving your assets requires more than a thoughtful investment strategy. You also need insurance to protect you against an array of financial risks, especially health care.