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States are encouraging private citizens to purchase long-term care insurance to take the burden off the government.

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A: You must be a permanent resident of Canada, between the ages of 18 and 70 and in good health to qualify for term life insurance.

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I have a 3-year-old, and a new baby is due this May (probably not a very good time to ressurrect my interest in spork, eh?

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How do my beneficiaries collect the money?

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Only at the end of the term period you have chosen - 10, 20, 30 years - will your life insurance rate increase.

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