Term life insurance offers peace of mind for a fixed period, whether 10, 20, or 30 years. It’s designed to provide a financial safety net for your loved ones in the event of your death during the policy term. But what happens if you live beyond the expiration date of your coverage? For many, the end of a term life insurance policy is a time of uncertainty, especially if there are still financial obligations or dependents to consider. The good news is that outliving your policy doesn’t have to leave you unprotected. There are practical and effective options to consider for continued life insurance coverage or financial planning.

When a loved one begins to need help with daily activities, many families feel an instinctive pull to step in and provide care themselves. It’s a compassionate and loving response, but one that often comes with hidden costs. Becoming a family caregiver may seem like the right thing to do emotionally, but financially, it can be life-altering. As healthcare needs grow and longevity increases, so does the demand on family members, especially in a state like California where the cost of care in cities like Los Angeles continues to climb.