It is crucial to evaluate your financial security and that of your family to avoid setback in the event death, illness or disability. In general, life insurance needs are tied to a household's financial security which varies based on your dependents' degree of financial autonomy, your overall income-generating assets, and the family lifestyle to be maintained. Other needs may also arise such as disability, critical illness and long-term care insurance. Nearing retirement, insurance usually becomes a question of financial strategy. Because insurance needs evolve with different life stages, to ensure you have the right coverage, we will refer you to experts who will help define your needs.